Exact premiums by age and currency, how pricing works, what affects your rate, and why your premium is locked in for life.
Life Cover in USD is available to Africans worldwide. Premiums are fixed by age band at signup and do not increase over time. No medical exam, no smoker surcharge.
| Age Band | $250,000 | $500,000 | $750,000 | $1,000,000 |
|---|---|---|---|---|
| 18–29 | $65/mo | $120/mo | $160/mo | $230/mo |
| 30–39 | $90/mo | $165/mo | $220/mo | $320/mo |
| 40–49 | $150/mo | $280/mo | $350/mo | $560/mo |
| 50–59 | $260/mo | $480/mo | $750/mo | $960/mo |
Your rate is locked at signup. If you are 28 today and sign up for $500,000 cover at $120/mo, you will pay $120/mo for the life of that policy — even after you turn 30.
Get covered in USD — no medical exam, no smoker surcharge.
Get coveredLife Cover in ZAR is available to Africans living in South Africa and across the continent. Designed specifically for foreign nationals in South Africa and local professionals who want serious income replacement cover.
| Age Band | R250,000 | R500,000 | R750,000 | R1,000,000 | R2,000,000 |
|---|---|---|---|---|---|
| 18–29 | R350/mo | R400/mo | R500/mo | R750/mo | — |
| 30–39 | R400/mo | R600/mo | R750/mo | R999/mo | R1,499/mo |
| 40–49 | R500/mo | R650/mo | R800/mo | R1,200/mo | R2,499/mo |
| 50–59 | R500/mo | R650/mo | R850/mo | R1,499/mo | R2,499/mo |
The R2,000,000 cover tier is not available for the 18–29 age band. Maximum cover for ages 18–29 is R1,000,000 at R750/month.
International Funeral Cover is priced the same numerically across GBP, USD, and EUR — the symbol changes based on your chosen currency. All plans include international repatriation.
| Plan | Monthly Premium | Cover Amount | Family Members |
|---|---|---|---|
| Starter — Single Family | £/$/€24.99 | £/$/€7,500 | Up to 8, one country |
| Extended — Popular | £/$/€49.99 | £/$/€15,000 | Up to 10, multiple countries |
| Max — Premium | £/$/€99.00 | £/$/€20,000 | Up to 10, multiple countries |
Repatriation included: International repatriation is included on all three plans at no extra cost. Maximum age for family members is 70.
ZAR Funeral Cover is for foreign nationals in South Africa and Africans living within Africa. Cover and repatriation are limited to within the African continent.
| Plan | Monthly Premium | Cover Amount | Family Members |
|---|---|---|---|
| Starter — Single Family | R350/mo | R25,000 | Up to 8, one country |
| Extended — Popular | R500/mo | R50,000 | Up to 15, multiple countries |
| Max — Premium | R750/mo | R75,000 | Up to 20, multiple countries |
ZAR Funeral Cover includes African-to-African repatriation only. For international repatriation outside Africa, you need an International Funeral Cover plan in GBP, USD, or EUR.
Annual payment is not currently available. All premiums are charged monthly only. Payments are processed through PayPal or PayFast depending on your location and currency preference.
A third party may pay your premium on your behalf — for example, a family member — provided the payment method is registered and verified on your account.
Questions about payments? Contact our billing team.
Email billingMutual 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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