At a glance
Funeral Cover pays quickly to cover the immediate costs of death — the funeral, repatriation, and family support. Life Cover pays a larger lump sum to replace lost income and secure your family's financial future long-term. Many families take out both.
Covers funeral costs, repatriation, and immediate family support — paid out within 48 hours. Designed for African expats and diaspora families spread across multiple countries.
Pays a large lump sum upon death — designed to replace lost income, clear debts, and secure your family's financial future. Cover from $100,000 up to $2 million.
Side by side
Every detail, laid out clearly so you can decide with confidence.
| 🕊️ Funeral Cover | 🛡️ Life Cover | |
|---|---|---|
| Purpose & payout | ||
| Primary purpose | Cover funeral costs, repatriation and immediate family support | Replace lost income and secure long-term family finances |
| Payout type | Fixed lump sum per plan | Large lump sum based on cover amount chosen |
| Payout speed | Within 48 hours of valid claim | Standard claims processing |
| Cover amounts | $7,500 · $15,000 · $20,000 equivalent in GBP, EUR, ZAR | $100k · $250k · $500k · $1M · $2M or ZAR equivalent |
| Who is covered | ||
| Who is covered | Policyholder + up to 15 family members across multiple countries | Policyholder only |
| Family members included | ✓ Up to 8, 10 or 15 depending on plan | — Single life cover |
| Family back in Africa | ✓ Extended and Max plans | — Not applicable |
| Maximum age at entry | 70 years | 60 years |
| Currencies & pricing | ||
| Available currencies | GBP USD EUR ZAR | USD ZAR |
| Starting price | From $24.99 · £24.99 · €24.99 · R350 /mo | From $28 · R300 /mo |
| Fixed premiums | ✓ Price locked at signup | ✓ Price locked at signup |
| No medical exam | ✓ Simple sign-up | ✓ Minimal underwriting |
| Key features | ||
| International repatriation | ✓ Included on all plans | — Not included |
| Cross-border cover | ✓ Africa, UK, Europe, globally | ✓ Global — valid regardless of location |
| Multiple beneficiaries | ✓ Name multiple across countries | ✓ Nominated beneficiaries |
| Covers funeral expenses | ✓ Core purpose | — Payout used for any purpose |
| Income replacement | — Not designed for this | ✓ Core purpose |
| Debt / mortgage cover | — | ✓ Lump sum covers liabilities |
| Cancel anytime | ✓ | ✓ |
| Available in app | ✓ app.mutuallifeafrica.com | ✓ app.mutuallifeafrica.com |
Which one is right for you?
Both products protect African families. The difference is timing and scale — Funeral Cover acts fast when death happens, Life Cover secures the years that follow.
You want fast, practical protection that covers the costs and logistics of death — especially across borders.
You want your family's financial future protected — income, mortgage, debts, and your children's future — if you're no longer here.
💡 Many African families take out both
Funeral Cover handles the immediate — the burial, the repatriation, the family back home. Life Cover handles the long-term — income, debts, your children's future. Together, they give complete protection. And because premiums are fixed, you can plan both into your monthly budget from day one.
Client Support
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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