Funeral Cover for Over 65s: A Helpful Guide

We generally don’t like to think about death. Let alone how much a funeral can cost. However, it’s wise to be financially prepared for the loss of a loved one.

The older you get, the harder it seems to get affordable, reliable funeral cover. Funeral cover can be difficult to find if you’re over 65, especially one that suits your needs. It’s not impossible, though. Luckily for you, the best place to get funeral cover quotes is through our funeral insurance quote page.

A funeral policy is just one way of preparing for yourself or a family member’s death. Funerals are a necessary part of the grieving process. They help us to acknowledge the death of a loved one as well as provide necessary support in a difficult time.

A proper funeral plan allows you to honour the life of the deceased in a dignified way.

What is Funeral Insurance?

funeral cover for grandparents

Put simply, funeral insurance covers all the funeral costs after your death. Funerals can be very costly affairs, especially if you’re planning on having a service with food and flowers.

Additional costs can include funeral parlour costs, burial costs, transportation, cremation and repatriation (if you happen to die away from your home country).

Death can be difficult, even without the added financial strain that comes with a funeral. All in all, funerals can cost anywhere from R20,000 to R80,000.

Even if you choose not to have a funeral service, there are still considerable costs to consider. Cremation can cost anywhere from R5000 – R10000 and burial costs even more. An average casket can cost R5000.

deciding on a funeral plan

Why is it so hard to find a funeral policy if you’re over 65?

Even though you can take out funeral cover at any age, it becomes increasingly more important as we get older. Unfortunately, this is also when funeral policies become less affordable. Insurance companies view pensioners as riskier and so they charge higher monthly premiums.

Luckily there are insurance companies who offer affordable funeral cover specifically designed for those over 65.

Funeral Policies in South Africa For 65+

Whether you’re looking to take out a policy for yourself, your parents or your grandparents, we’ve compiled a list of the best, most affordable funeral cover providers in South Africa.

funeral cover for pensioners

King Price Funeral Cover For Parents

King Price offers innovative funeral covers with no waiting period. Their funeral policies are delivered by Stangen and are adaptable to suit your needs. King Price allows you to tailor your policy to suit your budget, your family and the type of coverage you need.

Sanlam iCover

Sanlam is dedicated to making sure everyone has a proper funeral, no matter how old they are. They offer a family funeral plan that caters to even the oldest members of your family. It doesn’t matter what age you are, you can easily add them to your plan.

Capitec Funeral Cover

Capitec’s funeral plan offers cover for you and your family. If you’re looking for funeral cover for parents over 65, this plan allows you to cover up to 4 parents. You can tailor this plan to meet your needs and your budget.

With all this to choose from, it’s no wonder why it’s the fastest-growing funeral plan in the country.

Assupol Funeral Cover

Funeral cover for grandparents can be hard to find. This is why Assupol offers a Pensioner Plan. They offer affordable premiums as well as enough money to pay for a proper funeral. It has no age limit and doesn’t require a medical exam.

funeral cover quote


Hollard provides cover for pensioners up to the age of 75. Their funeral plan offers a much-needed payout during tough times as well as extra benefits such as airtime, legal assistance and burial repatriation.

They also offer a variety of additional benefits that can make life a little easier. This includes a vehicle access benefit and a money-back benefit.

Old Mutual

Old Mutual’s funeral plans are available up to the age of 84. They offer a variety of different options to suit your family’s needs.

Their EasiPlus Funeral Plan covers up to 20 people, ensuring you can take care of your parents and your children at the same time. Their other funeral plans allow you to add grocery and educational benefits if you need.


Clientele has two different funeral cover plans available. They both allow you to cover up to 13 people on one plan and include a grocery benefit, airtime benefit and an unveiling benefit. Clientele makes sure your family won’t have to worry about any funeral costs.

UApply Funeral Cover

UApply offers funeral cover that makes sure your loved ones are taken care of. In the unfortunate event of death, they offer a payout within 24 hours. Their policy allows you to cover up to 16 family members.

Their policy also includes a burial repatriations service anywhere in South Africa, R5000 memorial benefit and an R6000 grocery benefit.

Final Thoughts on Funeral Plans in South Africa

Funerals can place an enormous financial burden on a family. Having funeral cover helps to ensure that during a tough time, your family has one less thing to worry about.

There are several insurance companies in South Africa that will ensure you, your parents and your grandparents can have a dignified funeral. Compare and Review is dedicated to helping you find insurance quotes no matter your age.

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