Mutual Life Africa offers three funeral cover plan tiers, each designed for a different family size and structure. Choosing between them comes down to three questions: how many family members do you need to cover, are they in one African country or spread across multiple countries, and how much financial exposure do you want the payout to address?
Here is a complete breakdown of each plan, who it is designed for, and how to make the decision confidently.
The Single Plan: GBP 24.99 Per Month
Coverage: up to 8 family members.
Geographic scope: one African country only.
Payout: GBP 7,500 (or EUR 7,500, USD 7,500, R25,000 in other currencies).
Repatriation: included.
Medical exam: none required.
The Single Plan is the right choice when all your covered family members are in one African country and your total family size for cover purposes is eight or fewer. A family in Accra — parents and siblings all in Ghana — is a natural Single Plan scenario.
Where the Single Plan is insufficient: any family spread across two or more African countries, or any family with more than eight members to cover. If your parents are in Nigeria but your spouse’s parents are in Ghana, the Single Plan cannot cover both countries. You need the Extended Plan.
The Single Plan is also the right starting point if you are currently uninsured and want to begin coverage immediately without the deliberation of deciding between plans. It is better to have GBP 7,500 in active protection from today than to spend weeks comparing options. You can upgrade at any time.
The Extended Plan: GBP 49.99 Per Month
Coverage: up to 10 family members.
Geographic scope: multiple African countries.
Payout: GBP 15,000 (or EUR 15,000, USD 15,000, R50,000).
Repatriation: included.
Medical exam: none required.
The Extended Plan is the most popular choice among UK African policyholders because it matches the most common family structure: parents in one country, siblings in another, possibly a spouse’s family in a third. Multiple countries, typically eight to ten covered members, a payout that covers the realistic total cost of most UK-to-Africa repatriations plus the local funeral.
The additional GBP 25 per month compared to the Single Plan buys multi-country coverage and a payout that is twice the size — making it the best value step-up for families whose geography has expanded beyond one country.
The Max Plan: GBP 99 Per Month
Coverage: up to 15 family members.
Geographic scope: multiple African countries.
Payout: GBP 20,000 (or EUR 20,000, USD 20,000, R75,000).
Repatriation: included.
Medical exam: none required.
The Max Plan is right for large extended families where cover responsibilities extend beyond immediate family — grandparents, aunts, uncles, or additional relatives who depend on the UK-based policyholder. It is also right for families whose repatriation destination carries higher-than-average costs, such as Zimbabwe or South Africa, where costs can approach GBP 18,000.
At GBP 99 per month for 15 covered members, the cost per covered person is approximately GBP 6.60 per month — the most cost-efficient tier on a per-member basis.
Decision Framework
All family in one country, 8 or fewer members: Single Plan at GBP 24.99 per month.
Family in multiple countries, up to 10 members: Extended Plan at GBP 49.99 per month.
Family in multiple countries, up to 15 members, or high-cost repatriation destination: Max Plan at GBP 99 per month.
If you are uncertain, start with the Extended Plan. It covers the most common family structure and the realistic cost range for most UK-to-Africa scenarios. Apply at mutuallife.africa.
A note on upgrading: if you apply for the Single Plan today because it is the accessible starting point, you are not locked in. You can upgrade to the Extended or Max Plan at any time through the Mutual Life Africa app or by contacting info@mutuallife.africa. Your covered members carry over and your waiting period status is maintained. Starting with the Single Plan today and upgrading when your budget allows is a completely valid approach — the key is to start. Apply at mutuallife.africa today.