Mutual Life Africa provides multicurrency group funeral cover in USD, GBP, EUR, and ZAR for companies, organisations, churches, associations, cooperatives, diaspora communities, and large cross-border groups.
Designed for groups of 100 to 1,000 members, our international funeral cover solutions provide scalable protection, cross-border family support, multicurrency flexibility, and reliable claims administration across Africa and global markets.
Mutual Life Africa Multicurrency Group Funeral Cover is designed for organisations and large groups requiring reliable funeral protection across multiple countries, currencies, and regions.
Structured for groups ranging from 100 to 1,000 members, our solutions support African businesses, diaspora associations, churches, transport groups, employers, investment communities, professional networks, and internationally connected organisations seeking scalable funeral cover with multicurrency accessibility.
We provide scalable multicurrency funeral cover solutions for established groups and organisations requiring structured member protection across multiple countries and regions.
Our solutions are designed for institutions and communities seeking accessible funeral cover with cross-border flexibility, international beneficiary support, and simplified group policy administration.
Our Group Funeral Cover provides flexible protection options in USD, GBP, EUR, and ZAR for groups with 100 to 1,000 members.
Cover structures can support employees, association members, church communities, diaspora groups, transport unions, and cross-border organisations with practical funeral protection designed around large-scale administration and internationally connected member bases.
Organisations choose Mutual Life Africa because we understand the realities of managing large African communities and cross-border member structures.
Our solutions are built to provide reliable funeral protection that works across countries, currencies, and family networks while maintaining simple administration, dependable support, and scalable long-term accessibility for growing groups and institutions.
One premium. One life covered. Group cover is charged per member — simple, transparent, and consistent across your entire organisation.
Built for organisations that want to protect their people — a flat rate per member, no individual applications, no medical checks.
We do not discriminate by nationality, residency, religion, or background. If your group is anywhere in the world and your members need protection — you qualify.
Your members do not all live in the same country. Your policy should not either. One group contract. Every office. Every country. One flat rate per member.
Everything your HR team, group admin, or organisation committee needs to know before enrolling.
Group Funeral Cover is a single policy that covers every enrolled member of an organisation individually under one contract. Each member receives their own funeral cover at a flat monthly rate. No individual applications, no medical underwriting, no dependants.
Any registered organisation with a minimum of 100 members — 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 is 100 members. The maximum is 1,000 members per group contract. Organisations with more than 1,000 members should contact us directly.
Complete 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 contract and arrange payment.
Once the contract is signed and the first premium received, the policy activates within 2–5 business days. Accidental death cover is immediate. Natural causes cover activates after a 6-month waiting period.
A fixed cash lump sum paid directly to the member's nominated beneficiary: $5,000 USD · £5,000 GBP · €5,000 EUR · R15,000 ZAR. Cover is for the enrolled member only — no dependants included.
No. Group Funeral Cover covers the enrolled member only. Members wishing to cover family separately can take out an individual MLA Funeral Cover policy through the app.
Yes. ZAR plans cover repatriation within Africa. USD, GBP, and EUR plans cover international repatriation.
The maximum entry age is 70 years old. Members over 70 at enrolment cannot be added. Members who turn 70 after enrolment remain covered until the next renewal date.
A flat rate per enrolled member per month: $4.99 USD · £4.99 GBP · €4.99 EUR · R50 ZAR. The same rate regardless of age, health, or group size.
No. The rate is the same whether your group has 100 or 1,000 members.
One consolidated invoice per month covering all enrolled members. Multi-region groups are broken down by currency pool on the same document. One payment per cycle. One renewal date.
USD, GBP, and EUR premiums are billed via PayPal. ZAR premiums are billed via PayFast. Payment is made at the group level by the administrator.
Through the MLA app or via email to your dedicated group account manager. The administrator or nominated beneficiary can initiate the claim. Receipt confirmed within 24 hours.
Within 48–72 hours of all documents being received and verified. No committee approvals required for standard claims.
Certified death certificate, ID of the deceased member, ID of the nominated beneficiary, and proof of bank account.
Accidental death — covered immediately, no waiting period.
Natural causes — 6-month waiting period from each member's enrolment date.
Yes. Through the MLA app admin portal at any time. New members added mid-cycle are billed pro-rata. Removed members are covered until end of the current billing cycle.
A nominated group administrator — typically an HR manager, treasurer, secretary, or community leader. Multiple administrators can be assigned to one group.
Yes. The MLA app — available on web, iOS, and Android — lets administrators view the full member list, add or remove members, download invoices, and track payment history.
Yes. No nationality restrictions. A single group policy can cover members from Nigeria, Zimbabwe, Ghana, Kenya, and the UK simultaneously.
No. Multi-region groups are billed in their respective currency pools under one group relationship.
No. Not available to brokers, underwriters, or cover resellers. For underwriting or white-label enquiries contact info@mutuallife.africa.
Employers and companies, diaspora and community associations, churches and faith communities, stokvels and burial societies, NGOs and non-profits, schools and universities, and funeral homes. Minimum 100 members with a named group administrator.
Mutual Life Africa is a leading insurance and financial services provider offering credit, life, and funeral cover for African nationals, African expats, and African diaspora communities in Africa and across the globe.
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