I live outside Africa — can I still get covered?

Yes. International Funeral Cover is designed for Africans living anywhere in the world — USA, Canada, UK, Europe, the Middle East, Asia, Australia, and across Africa itself. If you have internet access and an African connection, you qualify.

Why USD? What if my country uses a different currency?

USD is the world's reserve currency and is accepted — or easily converted — in every country we serve. Pricing and payouts in USD protect you against local currency devaluation. You pay in USD, your beneficiaries receive in USD, and they can convert locally at their discretion.

Which African countries does repatriation cover?

We cover repatriation to 30+ African countries including Nigeria, Ghana, Kenya, Zimbabwe, South Africa, Zambia, Uganda, Cameroon, Senegal, Côte d'Ivoire, Tanzania, Ethiopia, and more. The full list is available during signup.

How quickly does the payout reach my family?

Claims are processed within 48 hours of receiving valid documentation through the Mutual Life Africa app. Payouts go directly to your named beneficiary's bank account — in their country, in USD.

Can I add my parents back in Nigeria, Kenya, or Ghana?

Yes. On the Extended and Max Family plans, you can add immediate family members still living in Africa. They are fully covered under your single policy — no separate application required.

What if I move to a different country?

Your policy moves with you. International Funeral Cover is not tied to one country. Update your location in the app and your cover continues uninterrupted — whether you move from London to Lagos, Houston to Harare, or anywhere else.

Is Mutual Life Africa a licensed insurer?

Yes. Mutual Life Africa is a regulated insurance platform operating under applicable financial services regulations. Your cover is backed by licensed underwriters and your policy document is issued upon signup.