Whether it’s a funeral cover claim, life cover claim, or accessing the Immediate Benefit, our step-by-step system ensures clarity and transparency from start to finish.

Step 1: Claim Notification

When a policyholder passes away, the first step is to notify Mutual Life Africa. This can be done by:

• Visiting one of our offices in any of the countries where we operate
• Contacting our customer service center by phone or email
• Submitting an online claim notification form through our digital platform.

Once notified, our team immediately provides guidance on what documents are needed and the next steps.

Step 2: Submission of Required Documents

For the claim to be processed, beneficiaries need to provide the following documents:

For Funeral Cover Claims:

• Completed Mutual Life Africa Claim Form
• Certified copy of the death certificate
• Copy of the deceased’s identity document or passport
• Copy of the beneficiary’s identity document or passport
• Proof of relationship to the deceased (e.g., marriage certificate, birth certificate, or affidavit if required)
• Banking details of the beneficiary (matching identification provided).

For Life Cover Claims:

• All of the above, plus:
• Original policy documents (if available)
• Medical report (if death occurred in hospital or under medical care)
• Proof of employment or residence if required for verification.

Step 3: Verification

Once documents are submitted, Mutual Life Africa begins verification. This includes:

• Confirming the validity of the policy
• Checking that premiums are up to date
• Ensuring that beneficiaries match those listed on the policy
• Validating the authenticity of the submitted documents

This process is designed to be quick and transparent. Beneficiaries are kept updated at each stage.

Step 4: Claim Assessment and Approval

After verification, our claims team assesses the claim against the policy terms. If everything is in order, the claim is approved immediately.

Important Notes:

• For funeral cover, payouts are fast-tracked so that families can access funds quickly to cover urgent funeral expenses.
• For life cover, the Immediate Benefit (R50,000 / $5,000 / £5,000 / €5,000 / CA$5,000) is released immediately, while the remaining policy amount is processed for final payout.

Step 5: Claim Payment

Once approved, payments are made directly to the beneficiary’s bank account in the policy currency (USD, GBP, EUR, ZAR, or CAD). This ensures that funds are accessible without unnecessary currency exchange delays or losses.

Beneficiaries typically receive payment within 24 hours of claim approval.

Step 6: Support Services After Payout

Beyond paying claims, Mutual Life Africa provides aftercare support services. Beneficiaries are guided on:

• Accessing other available financial solutions (credit facilities, loans, or banking services)
• Using the payout effectively to sustain long-term family needs
• Getting additional support with repatriation, if needed.

Why Mutual Life Africa’s Claim Process is Different

• Simplified and transparent: Families clearly understand every step.
• Fast and responsive: Claims are prioritized during times of need.
• Global accessibility: Claims can be made from any country where we operate.
• Immediate financial support: Life cover holders’ families receive quick access to cash while full payouts are processed.

With this structured process, Mutual Life Africa ensures that policyholders and their families receive not only financial security but also dignity, clarity, and peace of mind during their most difficult times.