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Life & Funeral Cover

Alongside our short-term insurance, we help South Africans put life and funeral cover in place — protecting your family's future and easing the burden when it matters most. We help you compare options and arrange the right cover for your needs.

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FSCA-authorised broker Underwritten by trusted providers Personal, honest advice

Two kinds of cover, one broker

Funeral cover and life cover do different jobs — one helps with the immediate costs of a funeral, the other provides longer-term financial protection for those you leave behind. Many families benefit from both. We'll help you understand the difference and choose what fits.

Funeral Cover

Cover that helps your family with the immediate costs of a funeral, so they can focus on what matters. Includes our Essential and Exclusive options.

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Life Cover

Longer-term financial protection for your family or business — including combined life & funeral, comprehensive life cover, and business life cover.

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Why arrange it through a broker?

Life and funeral products vary in what they cover, who they cover and the terms that apply. As an independent broker, we help you compare, explain the detail in plain language, and make sure the cover you choose actually suits your family or business — then we're here at claim time too.

Life and funeral cover is underwritten by our product partners, including 1Life (FSP 24769) and Liberty (FSP 2409). Terms, conditions and eligibility criteria apply. Speak to us about the options best suited to your needs.

Life & funeral cover FAQs

What's the difference between life cover and funeral cover?

Funeral cover typically pays out a smaller amount quickly to cover the costs of a funeral, while life cover pays a larger lump sum to your beneficiaries to help with longer-term needs like debt, income replacement or education. Many families hold both. See our funeral cover and life cover pages.

Who underwrites Excessible's life and funeral products?

Our life and funeral products are underwritten by authorised insurers, including 1Life (FSP 24769) and Liberty (FSP 2409). As an independent broker, we help you compare the options and choose cover suited to your needs.

Do I need a medical exam to take out cover?

It depends on the product — some funeral and life products require no medical examination, while others may ask a few health questions. We'll explain the requirements for each option before you decide.

Can I cover my family under one plan?

Many funeral plans let you cover your immediate family, such as your spouse and children, under a single policy. We help you structure cover around your family's needs and budget.