Group Funeral Cover — Terms & Conditions

In these Terms and Conditions, the following definitions apply:

• MLA / We / Us — Mutual Life Africa, the insurer and administrator of this policy.
• Group Policy — The funeral cover contract issued to an Organisation covering all enrolled members.
• Organisation — The registered entity (employer, association, church, stokvel, NGO, school, or funeral home) that holds the Group Policy.
• Group Administrator — The individual nominated by the Organisation to manage the Group Policy on its behalf.
• Principal Member — An individual enrolled under the Group Policy as a primary covered person.
• Dependant — A spouse, partner, child, or qualifying family member registered under a Principal Member's cover.
• Policy Reference — The unique identifier assigned to the Group Policy at activation (format: MLA-GRP-XXXXX).
• Group Code — The unique code assigned to the Organisation for member enrolment (format: MLA-XXXX-1234).
• Premium — The monthly payment due per Principal Member to maintain cover.
• Cover Amount — The fixed lump sum payable on death of a covered person.
• Beneficiary — The person nominated to receive the Cover Amount on the death of a covered person.

Organisation eligibility. Group Funeral Cover is available to registered organisations with a minimum of 100 members and a maximum of 1,000 members per group contract. Eligible organisation types include employers and companies, community and diaspora associations, churches and faith communities, stokvels and burial societies, NGOs and non-profits, schools and universities, and funeral homes covering their own staff.

Ineligible organisations. Insurance companies, brokers, underwriters, cover resellers, and any entity that would distribute or resell this cover as a product to third parties are not eligible. MLA reserves the right to decline or cancel any group policy where the Organisation is found to be ineligible.

Member eligibility. All Principal Members and Dependants must be between 18 and 70 years of age at the time of enrolment. Members or Dependants over the age of 70 at enrolment cannot be added to the Group Policy. Members who turn 70 after enrolment remain covered until the next annual renewal date.

Nationality and residency. There are no nationality or residency restrictions. Groups may include members of mixed nationalities and members based in different countries.

Documentation. All members must provide a valid government-issued ID or passport number at enrolment. The Organisation must provide proof of registration (certificate of incorporation, association registration, or equivalent) within 30 days of policy activation.

Cover amount. On the death of a covered Principal Member or registered Dependant, a fixed lump sum is paid to the nominated Beneficiary. Cover amounts are fixed as follows:

Dependants. Each Principal Member may register up to 3 Dependants. Dependants receive the same Cover Amount as the Principal Member at no additional premium charge. The group premium is charged per Principal Member only.

Repatriation. Repatriation benefit is included in all Group Plans. ZAR plans cover repatriation within Africa. USD, GBP, and EUR plans cover international repatriation. The repatriation benefit contributes toward the cost of transporting the deceased to their country or region of origin.

Guaranteed acceptance. No individual medical underwriting is required. All members within an eligible group are accepted at enrolment subject to the age eligibility requirements in Section 2.

Cover per member. The Cover Amount is paid once per covered person per claim event. Multiple claims may be made under the same Group Policy for different covered persons.

Waiting periods.

• Accidental death — Cover is immediate from the policy activation date. No waiting period applies.
• Natural causes — A 6-month waiting period applies from the date each individual member is enrolled. Claims for death from natural causes submitted before the waiting period has elapsed will not be payable.

Exclusions. The following are excluded from cover and will not result in a valid claim:

• Death resulting from suicide within the first 12 months of a member's enrolment.
• Death resulting from participation in illegal activities.
• Death resulting from war, invasion, civil war, or military action.
• Death resulting from nuclear, biological, or chemical contamination.
• Death of a member or dependant who was not validly enrolled at the time of death.
• Claims submitted after 12 months from the date of death.
• Claims where required documentation cannot be provided.

Premium structure. Premiums are charged at a fixed flat rate per Principal Member per month as set out in Section 3. There are no volume discounts or tiered pricing. The premium rate is guaranteed for 12 months from the policy start date, after which MLA may revise rates with 30 days written notice.

First premium. The first monthly premium is collected at the time of group signup via the payment method selected by the Group Administrator. The Group Policy activates upon successful receipt of the first premium.

Recurring premiums. From the second month, premiums are billed monthly on the same date as the initial payment. USD, GBP, and EUR premiums are processed via PayPal. ZAR premiums are processed via PayFast.

Failed payments. If a monthly premium payment fails:

• MLA will attempt to retry the payment within 3 business days.
• If the retry fails, the Group Administrator will be notified by email.
• Cover remains active for 7 days from the due date while payment is outstanding.
• If payment is not received within 21 days of the due date, the Group Policy will be suspended.
• If payment is not received within 60 days of suspension, the Group Policy will be cancelled.

Billing responsibility. The Group Administrator is responsible for ensuring premiums are paid on time. Individual members are not separately billed by MLA. Internal cost recovery arrangements between the Organisation and its members are the Organisation's own responsibility.

Enrolment methods. Members may be enrolled via CSV bulk upload by the Group Administrator or by self-registration using the group enrolment link. Both methods require full name, ID or passport number, date of birth, phone number, and email address.

Dependant registration. Each Principal Member may register up to 3 Dependants at the time of enrolment or within 30 days of enrolment. Dependants added after this period are subject to a new 6-month waiting period for natural causes.

Adding members. New members may be added to an active Group Policy at any time. New members added mid-billing cycle are billed on a pro-rata basis for the remainder of that month. New members are subject to the waiting period provisions in Section 4.

Removing members. The Group Administrator may remove members at any time via the group enrolment portal. Removed members remain covered until the end of the current billing cycle. No refund is issued for the partial period.

Duplicate prevention. The same ID or passport number cannot be enrolled twice in the same Group Policy. If a member attempts to re-enrol, they will be notified that they are already enrolled and directed to contact the Group Administrator for updates.

Minimum member count. The Group Policy requires a minimum of 100 active Principal Members at all times. If the active member count falls below 100, MLA reserves the right to review the Group Policy terms or cancel the policy with 30 days notice.

Claim submission. Claims may be submitted by the Group Administrator or the nominated Beneficiary via the MLA app or by email to claims@mutuallife.africa. Claims must be submitted within 12 months of the date of death.

Required documents. The following documents are required for all claims:

• Certified copy of the death certificate
• Copy of the ID or passport of the deceased
• Copy of the ID or passport of the nominated Beneficiary
• Proof of the Beneficiary's bank account (bank statement or letter)

For repatriation claims, additional transport documentation may be required. The Group Administrator or Beneficiary will be advised at the time of claim.

Claim processing. MLA will confirm receipt of a claim within 24 hours of submission and will request any missing documents. Once all required documents are received and verified, the Cover Amount will be paid to the nominated Beneficiary within 48 to 72 hours.

Payout currency. Claims are paid in the currency of the Group Policy. No currency conversion is applied.

Claim disputes. If a claim is rejected, the Beneficiary or Group Administrator may appeal in writing within 30 days of the rejection notice. Appeals should be sent to disputes@mutuallife.africa.

Cancellation by the Organisation. The Organisation may cancel the Group Policy at any time by giving 30 days written notice to MLA. Cover remains active for all enrolled members during the 30-day notice period. No refund of premiums already paid will be issued.

Cancellation by MLA. MLA may cancel the Group Policy with 30 days written notice in the following circumstances:

• Non-payment of premiums as described in Section 5.
• The Organisation is found to be ineligible as described in Section 2.
• Fraudulent claims or material misrepresentation by the Organisation or its members.
• The active member count falls below 100 and is not remedied within 30 days.
• Failure to provide required registration documentation within the 30-day deadline.

Lapse. A Group Policy lapses automatically if premiums remain unpaid for more than 60 days from the suspension date. A lapsed policy cannot be reinstated. The Organisation must apply for a new Group Policy.

Effect of cancellation. On cancellation or lapse, all member cover ceases. Claims submitted after the cancellation or lapse date will not be payable. Members are responsible for arranging their own individual cover if required.

By accepting these Terms and Conditions, the Group Administrator confirms they are authorised to act on behalf of the Organisation and accepts the following responsibilities:

• Ensuring all member information submitted is accurate, complete, and up to date.
• Notifying MLA of any member additions, removals, or changes within 30 days of the change.
• Ensuring monthly premiums are paid on time.
• Uploading the Organisation's registration document within 30 days of policy activation.
• Communicating cover details, waiting periods, and exclusions to all enrolled members.
• Notifying members of any changes to the Group Policy terms or cover.
• Maintaining the security of the Group Code and enrolment link.
• Informing MLA immediately if the Organisation ceases to operate or changes its nature.

Liability. MLA is not liable for any loss arising from the Group Administrator's failure to fulfil these responsibilities, including failure to enrol members, failure to pay premiums, or failure to communicate cover details to members.

Multi-region groups. Organisations with members based in multiple countries may operate a single Group Policy with members enrolled across different currency pools. Each currency pool (USD, GBP, EUR, ZAR) is priced and underwritten independently.

No cross-currency conversion. Premiums and payouts are always in the currency of the member's enrolled pool. No currency conversion is applied at any point. A member enrolled in the USD pool will pay USD premiums and receive USD payouts regardless of their location.

Billing. Multi-region groups receive a single consolidated invoice per billing cycle, itemised by currency pool. One payment is required per currency pool per month.

Currency changes. A member's currency pool cannot be changed after enrolment without cancelling and re-enrolling the member. The re-enrolled member will be subject to a new waiting period.

MLA collects and processes personal information about Group Administrators and enrolled members in order to administer the Group Policy, process claims, and communicate cover details. All personal data is handled in accordance with MLA's Privacy Policy and, where applicable, the Protection of Personal Information Act (POPIA) and the General Data Protection Regulation (GDPR).

By enrolling members, the Group Administrator confirms they have obtained the necessary consent from each member for their personal data to be shared with and processed by MLA for the purposes of administering the Group Policy.

MLA will not sell or share member personal data with third parties for marketing purposes. Member data may be shared with payment processors (PayPal, PayFast) and email service providers (Resend) solely for the purpose of administering the Group Policy.

For full details of how MLA handles personal data, please refer to our Privacy Policy.

Governing law. These Terms and Conditions are governed by and construed in accordance with the laws of the State of New York, United States of America, without regard to its conflict of law provisions. ZAR-denominated policies are additionally subject to applicable South African insurance and consumer protection legislation.

Dispute resolution. In the event of a dispute arising from or relating to these Terms and Conditions or the Group Policy, the parties agree to first attempt resolution through good faith negotiation. If the dispute cannot be resolved within 30 days of written notice, the matter may be referred to mediation or arbitration.

Severability. If any provision of these Terms and Conditions is found to be unenforceable, the remaining provisions will continue in full force and effect.

Amendments. MLA reserves the right to amend these Terms and Conditions with 30 days written notice to the Group Administrator. Continued use of the Group Policy after the effective date of any amendment constitutes acceptance of the updated terms.

For all queries relating to your Group Policy, please contact:

• General enquiries: info@mutuallife.africa
• Claims: claims@mutuallife.africa
• Disputes: disputes@mutuallife.africa
• Partnership enquiries: partners@mutuallife.africa
• Phone: +1 667 317 7991
• Address: 420 Fifth Avenue, Manhattan, New York, NY 10018, United States