Group Funeral Cover is a single policy that covers an entire organisation — employees, community members, congregation, or group — under one contract. Each member gets funeral cover for themselves and up to 3 family members, at a fixed monthly rate per member. The group administrator manages the policy on behalf of all members. No individual applications, no medical underwriting.

Any registered organisation with a minimum of 100 members. This includes employers, community and diaspora associations, churches and faith communities, stokvels and burial societies, NGOs, schools and universities, and funeral homes covering their own staff.

Insurance companies, brokers, underwriters, and cover resellers are not eligible.

The minimum group size is 100 members. The maximum is 1,000 members per group contract. Organisations with more than 1,000 members should contact us directly to discuss a tailored arrangement.

Start by completing the group quote form on this page. Select your currency, enter your member count, and submit your organisation details. A member of our team will contact you within 1–2 business days to finalise the group contract, confirm member details, and arrange payment.

Member management — adding individuals and their dependants — is handled through the MLA app after onboarding.

Once the group contract is signed and the first premium is received, the policy is activated within 2–5 business days. Each member will receive confirmation of their cover. Accidental death cover is immediate from the activation date. Natural causes cover becomes active after a 6-month waiting period.

A fixed cash lump sum is paid directly to the nominated beneficiary on the death of a covered member or their registered dependant. Cover amounts are: $5,000 USD · £5,000 GBP · €5,000 EUR · R15,000 ZAR. The payout is the same for the principal member and each registered dependant.

Yes. Each principal member can register up to 3 dependants — a spouse or partner, and up to 2 children or qualifying family members. All registered dependants receive the same fixed cover amount as the principal member at no additional per-dependant charge. The group premium is charged per principal member only.

Each principal member can add a maximum of 3 dependants: 1 spouse or partner, and up to 2 children or qualifying dependants. All dependants must be under 70 years of age at the time of registration.

Yes. Repatriation benefit is included in all group plans. ZAR plans cover repatriation within Africa. USD, GBP, and EUR plans cover international repatriation. This is particularly important for diaspora groups and cross-border families.

The maximum entry age for both principal members and dependants is 70 years old. Members or dependants who are already over 70 at the time of enrolment cannot be added to the group policy. Members who turn 70 after enrolment remain covered until the next renewal date.

Premiums are charged per principal member per month. Base rates are: $4.99 USD · £3.99 GBP · €4.49 EUR · R25 ZAR. Each member's premium covers themselves and up to 3 registered dependants. Volume discounts apply for larger groups — see below.

No. Group Funeral Cover is priced at a flat rate per member regardless of group size. The rate is the same whether your group has 100 or 1,000 members. There are no volume discounts or tiered pricing structures.

The group administrator receives a single consolidated invoice each month covering all members. For multi-region groups, the invoice is broken down by currency pool — USD members, GBP members, ZAR members — clearly itemised on one document. One payment per cycle. One renewal date for the entire group.

Yes. Multi-region groups can have members billed across different currency pools — for example, UK-based members billed in GBP and South Africa-based members billed in ZAR — all under one group relationship. Each currency pool is priced and underwritten independently with no cross-currency conversion applied.

USD, GBP, and EUR premiums are billed via card, bank transfer, and direct debit options. Payment is made at the group level by the administrator — individual members do not need to make separate payments unless the organisation chooses to collect contributions internally.