This Plan will pay when someone covered on the policy dies.

Yes. You can make changes to the Plan such as adding a family member or a spouse/partner to the Plan, increasing/decreasing the amount of cover, and choosing a new beneficiary.

Premiums will increase as your loved ones get older and move through the age bands, for example, when a child becomes an adult. You will be told about premium increases at least 30 days before it happens.

This Plan will not pay out in the case of:

• Suicide in the first 24 months from when the Plan starts
• Intentional, self-inflicted injuries or deliberate exposure of the covered person to unnecessary danger
• War, invasion, act of a foreign enemy, hostilities (whether war be declared or not), terrorism, civil war, rebellion, revolution or any occurrence incidental to or arising from any of the aforementioned or any attempt at any of the aforementioned
• Radioactivity or nuclear explosion
• Any act or omission by the covered person which is in violation of any law
• Natural causes in the first 12 months from the start of the Family Funeral Plan. All covered persons are covered for accidental death only during the first 12 months from the commencement date of the Plan. All causes of death are covered thereafter.
• Natural causes in the first 12 months of an additional
covered person being added to the Plan by the primary covered person. This exclusion, however, does not apply when a child turns 21 and is added as a member on the Plan immediately as an additional covered person by the primary covered person.

You and your loved ones covered under this Plan will be covered from the date your first premium is paid. Your membership certificate, with all personal details of covered persons, will be sent to the email address you gave during the online purchase process.

Any person who is between the ages of 18 and 64 years at the start of the Plan; and who has a valid South African identity number can take out this Plan. All covered persons must be South African citizens with valid South African identity numbers. The person who buys the Family Funeral Plan is covered as the primary covered person, and their children are covered automatically. Covered persons could be:

• The spouse/partner of the primary covered person (older than 18 years)
• Parent(s) and parent(s)-in-law of the primary covered person but only if the spouse/partner is a member of the plan
• Adult brothers and sisters of the primary covered person
• Adult children
• Children born or adopted after the start date of the Plan

The Family Funeral Plan provides cover for covered persons from the start of the Plan for the whole of the covered person’s life, or for as long as you pay the premiums, and/or until you die.

Yes, you may cancel the Plan within one month from the starting date. To cancel the Plan within the one-month cooling-off period, contact Sanlam iCover on Sharecall 0860 426 837 (0860 iCover) to tell us that you wish to cancel the Family Funeral Plan. Sanlam will refund all premiums already paid, less expenses and costs incurred in respect of the Plan up to cancellation.

Claims are paid within 48 hours, after all supporting documents, for example, the death certificate, have been received and verified by Sanlam.