Everything you need to know about Life Cover, Funeral Cover, and Travel services — what each product does, who it's for, and how to choose.
Life Cover is an insurance product that pays a large lump sum of money to your nominated beneficiary when you die. It is designed to replace your income, clear your debts, and provide your family with genuine financial security — not just enough to cover a funeral, but enough to sustain their lives without you.
Mutual Life Africa's Life Cover is available in ZAR and USD, making it accessible to Africans living in South Africa and across the diaspora worldwide. Cover ranges from R250,000 to R2,000,000 (ZAR) or $250,000 to $1,000,000 (USD), depending on your age and chosen plan.
Important: Life Cover has a 12-month waiting period from the date of inception. No claims will be accepted for death within this period unless caused by an unforeseeable accident unrelated to any pre-existing condition.
Ready to get Life Cover? Sign up in the app — no medical exam required.
Get coveredFuneral Cover is an insurance product that pays out quickly — within 48 hours of a valid claim — to cover the immediate costs of death. This includes the funeral itself, burial or cremation, repatriation of remains, and financial support for the family in the immediate aftermath.
Unlike Life Cover, which focuses on long-term income replacement, Funeral Cover is designed to act fast. Funerals happen within days of death, and the financial burden on families — especially those spread across multiple countries — can be enormous without the right cover in place.
Mutual Life Africa offers Funeral Cover in GBP, USD, EUR, and ZAR, covering families both in the country where the policyholder lives and back home in Africa.
Funeral Cover pays out a fixed lump sum — not a reimbursement. Your family receives the full cover amount and can use it however needed. The payout is made via bank transfer in the currency of the policy.
Mutual Life Africa offers two types of Funeral Cover — International (GBP, USD, EUR) and ZAR. Understanding the difference helps you choose the right product for your situation.
| Feature | International (GBP/USD/EUR) | ZAR |
|---|---|---|
| Currencies | GBP, USD, EUR | ZAR only |
| Cover amounts | Up to £/$/€20,000 | Up to R75,000 |
| Family in other countries | ✓ Yes — Extended and Max plans | ✓ Yes — Extended and Max plans |
| International repatriation | ✓ Included on all plans | Africa-to-Africa only |
| Best for | African expats in UK, Europe, USA, Middle East, Asia | Foreign nationals in South Africa and Africans within Africa |
| Starting price | From £/$/€24.99/mo | From R350/mo |
Rule of thumb: If you live outside Africa, choose International Funeral Cover. If you live within Africa and pay in rand, choose ZAR Funeral Cover.
Both products protect your family, but they serve different purposes and work in different ways. Many families hold both.
| Feature | Life Cover | Funeral Cover |
|---|---|---|
| Primary purpose | Replace income, clear debts, long-term security | Cover funeral costs and immediate family support |
| Payout speed | Standard processing | Within 48 hours |
| Cover amounts | R250k–R2m or $250k–$1m | Up to R75k, £/$/€20k |
| Family members covered | Policyholder only | Up to 20 family members |
| Repatriation included | — | ✓ Yes |
| Waiting period | 12 months | None specified |
| Currencies | ZAR and USD | GBP, USD, EUR, ZAR |
Think of it this way: Funeral Cover handles what happens in the first week. Life Cover handles what happens in the years that follow. Together, they give your family complete protection.
Repatriation is the process of returning a deceased person to their home country for burial or funeral rites. For African expats and diaspora families, this is one of the most emotionally and financially demanding parts of losing someone — often involving funeral homes in two countries, embassies, airline cargo, documentation in different languages, and consular fees.
Mutual Life Africa's International Funeral Cover includes repatriation cover on all plans. This means the costs and logistics of returning your loved one home are covered as part of your policy — not as an optional add-on.
ZAR Funeral Cover note: ZAR plans include Africa-to-Africa repatriation only. If you need repatriation to or from countries outside Africa, you will need an International Funeral Cover plan.
Beyond insurance, Mutual Life Africa offers travel services directly through the app — making it a complete platform for the African expat and diaspora lifestyle.
All travel services are accessible from the Travel section of the Mutual Life Africa app at app.mutuallifeafrica.com.
The right product depends on your situation, your family structure, and what you most need to protect. Use this guide to find the best starting point.
Many Mutual Life Africa customers hold both — Funeral Cover for immediate needs and Life Cover for long-term financial security. Because premiums are fixed at signup, starting both early means lower rates for life.
Buying cover through Mutual Life Africa takes less than five minutes. The entire process is done through the app — no broker, no paperwork, no medical exam.
Start today — no medical exam, no broker, no waiting.
Get covered nowMutual 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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