Expat Funeral Cover

Expat Funeral Cover by Mutual Life Africa provides EUR funeral insurance for African expatriates living across Europe. Access funeral cover of up to €20,000 with cross-border family protection.

Funeral Cover for African Families & Diaspora | Mutual Life Africa

Funeral Cover

When the worst happens,
your family carries the grief —
not the financial burden.

Mutual Life Africa Funeral Cover takes care of every cost — the cash benefit, the repatriation, the coffin, the transport and the accommodation — so your family can focus on what matters most.

Full Repatriation Included No Medical Exam Up to 15 Family Members Cashout Option from Year 5

Open to all African nationalities — at home and across the globe.
From Zimbabweans in the UK and Ghanaians in Canada, to Malawians in South Africa, Nigerians in the UAE, Kenyans in Australia and Senegalese in France — wherever you are, we cover you and your family.

Available in 4 currencies

USD

ZAR

GBP

€

EUR

Get Cover Now See Your Cashout Value

Cover for the whole family Up to 15 members on one policy, across multiple countries.

Full repatriation, door to door Body, paperwork, transport and accompanying family — all covered.

Cash benefit paid to beneficiaries Full cover amount paid in your policy currency, directly to your family.

No medical exam required Simple sign-up for all African nationals and African expats.

African family protected by Mutual Life Africa funeral cover

What's included

Every cost covered.
Nothing left to chance.

Losing a loved one is hard enough. Our Funeral Cover removes every financial burden from your family — from the moment of passing to the final farewell.

Cash benefit The full cover amount is paid out in your policy currency to your nominated beneficiaries.

Coffin for the deceased A coffin appropriate for the method and destination of repatriation is provided as part of your cover.

Full repatriation costs All transportation, cross-border documentation and coordination costs are covered in full — by air or by road.

Accompanying family members 1 family member by air or up to 8 by road — transport and accommodation included where needed.

Cover for all family members up to age 70 All members listed on the policy are covered with no medical exam or health checks required.

Repatriation cover

We bring your loved one home —
wherever home is.

Repatriation across borders is a complex, costly and emotionally exhausting process. Mutual Life Africa manages every step — so your family does not have to navigate it alone, from London to Harare, Toronto to Accra, or Cape Town to Lilongwe.

Repatriation by Air

All documentation required for international air repatriation of the deceased

Coffin and preparation of the deceased for air transport

Body delivered to a mortuary in the city where the flight lands

2 days of local mortuary storage covered in countries where Mutual Life Africa has a physical presence

Ground transport from the landing city to the town or village of burial

1 accompanying family member — flights and accommodation included

Repatriation by Road

All documentation required for cross-border road repatriation

Coffin and preparation of the deceased for road transport

Full transport of the deceased from point of departure to the point of burial

Up to 8 accompanying family members — transport and accommodation included where needed

Cross-border coordination managed by our team throughout the journey

Your money, your choice

A policy that pays out
when you need it — or
pays you back when you don't.

If no claim has ever been paid on your policy, you are not locked in for life. From your fifth policy year, you can choose to surrender your cover and receive every premium you have ever paid, plus a fixed 3% annual interest for every year you held it.

Once cashed out, the policy closes. You are free to open a new one at any time.

All premiums paidto date

3% per yearfixed annual interest

Your cashoutfrom year 5

The cashout option is only available if no claim has ever been paid on the policy. Once surrendered, the policy is closed. A new policy can be opened at any time.

Calculate your cashout value

Select your currency and plan to see what you could walk away with.

Currency

Plan

Years held 10 years

Select a currency and plan to see your cashout value.

Choose your plan

Three plans. One policy. Complete family cover.

Select the currency that matches how you earn and how your family needs to be paid. All plans include full repatriation, coffin, accompanying family cover and no medical exam.

Give your family the protection they deserve.

Mutual Life Africa Funeral Cover is built for African families — at home and across the world. One policy, complete cover, in the currency that works for you.

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