Most UK funeral cover is built for people whose entire lives — and families — are in the UK. The moment your situation stretches across borders, those policies start to fall short. If your family is in Nigeria, Ghana, Zimbabwe, or Kenya, a payout on its own isn’t enough. There are real, practical challenges: coordinating paperwork, arranging transport, managing timelines, and making decisions under pressure — often across different countries.
That’s where Diaspora Funeral Cover is built differently.
It’s designed for people living in the UK but connected to family back home. The cover pays out in GBP, which means there’s no confusion or delay around currency. More importantly, it’s structured to support the full process — not just release funds.
Instead of leaving your family to figure everything out on their own, Diaspora Funeral Cover is built to make sure the financial side is handled quickly and clearly, so they can focus on what matters.
Because when families are spread across countries, funeral cover shouldn’t stop at the border — it should work across it.
Our cover plan takes into account what actually happens when a loss occurs:
Who it's for
You probably already know the standard UK funeral policies don't account for how your life actually works. This one does.
Returning a loved one to their home country involves funeral homes, embassies, paperwork, and airlines — often all at once. We cover the costs and coordinate the logistics, so your family doesn’t have to figure it out from scratch while grieving.
Client Support
How it works
Sign up with your email. Takes about two minutes.
Pick cover level and add family members back home.
Name who gets the payout — UK or back home.
Policy document by email. Covered from today.
Common questions
Do I need to be a UK citizen to apply?
No. Diaspora Funeral Cover is open to anyone legally resident in the UK — including those on work visas, skilled worker permits, or permanent residency.
Which African countries does repatriation cover?
We cover repatriation to over 30 African countries, including Nigeria, Ghana, Kenya, Zimbabwe, South Africa, Uganda, and Zambia. The full list is shown during signup.
How quickly does the payout happen?
We process claims within 48 hours of receiving valid documentation. Payouts go directly to your named beneficiary's UK or African bank account.
Can I add my parents in Nigeria or Kenya to my policy?
Yes — on the Family and Extended plans, you can add immediate family members still living in your home country. They're covered under your single policy.
What if I move back to Africa?
Your policy continues as long as you keep it active. If you relocate permanently, you can switch to a local plan without losing your claims history.
Cover levels
All plans pay out in GBP. Monthly premiums are fixed — your price doesn't change as you get older.
Cover Amount
£7,500
Cover Amount
£15,000
Cover Amount
£20,000
Mutual Life Africa offers life and funeral cover to expats, locals, diasporas, and foreign nationals living and working in foreign countries and across Africa.
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