Rand Life Family Cover
Rand Life Family Cover is a flexible, affordable family funeral insurance policy offered by Mutual Life Africa, designed for foreign nationals living in South Africa, expats across Africa, locals, and foreigners worldwide.
20+
Years of Financial Excellence
2M+
LIVES COVERED
Dignity Without Borders — Funeral Protection Wherever You Call Home
Rand Life Family Cover is a flexible, affordable family funeral insurance policy offered by Mutual Life Africa, designed for foreign nationals living in South Africa, expats across Africa, locals, and foreigners worldwide.
The policy allows you to cover up to 20 family members, with funeral cover ranging from R15,000 to R75,000 per person, all paid and managed in South African Rands (ZAR).
Whether your family lives in South Africa, elsewhere in Africa, or in another country, this product ensures your loved ones receive fast financial support to manage funeral expenses with dignity and ease.
Who Can Buy Rand Life Family Cover?
Mutual Life Africa proudly serves:
✅ Foreign nationals in South Africa
✅ Expats living across Africa and overseas
✅ South African citizens and permanent residents
✅ Any African national or African born Foreigners in foreign countries living in or outside Africa who want to protect their families back home
Anyone, regardless of their immigration status or nationality, can purchase this policy and insure loved ones anywhere in the world.
👨👩👧👦 Who You Can Cover
You can insure up to 20 family members under the age of 75, including:
- Your spouse or partner
- Children (biological, step, adopted)
- Parents and parents-in-law
- Siblings
- Grandparents
- Extended family (nieces, nephews, cousins, etc.)
All family members can be located anywhere in the world — in South Africa, Zimbabwe, Lesotho, across Africa, or overseas
What the Policy Covers
Rand Life Family Cover provides:
- Funeral cover from R15,000 to R75,000 per member
- Protection for natural and accidental death
- Immediate cover for accidental death
- 6-month waiting period for natural death
- No medical exams required
- Fast payouts within 24 hours after all documents are submitted
- Payouts made in South African Rands
- International body repatriation
Frequently Asked Questions (FAQs)
Yes, you can cover family members living anywhere in the world.
No. The policy is for foreign nationals, locals, foreigners, and expats.
From R15,000 to R75,000 per family member.
Up to 30 family members on one policy.
Yes, 6 months
Yes, it’s 75 years old
Claims are processed and paid out within 24 hours, once documents are verified.
Yes. Use your international debit/credit card, mobile money, or EFT from a South African or international account.
Yes. You can cancel anytime, and no cancellation fees apply. Just notify us in writing or through your agent.
How It Works – Rand Life Family Cover
Mutual Life Africa’s Rand Life Family Cover makes it simple and stress-free for foreign nationals, expats, locals, and foreigners to get affordable funeral cover for their families — with four fixed packages to choose from, paid monthly in South African Rands.
Here’s how it works step by step:
1. Choose Your Package
We offer four fixed packages, each designed to suit different family sizes, budgets, and needs.
Each package includes:
- A fixed monthly premium (starting from R250/month)
- A set number of family members covered
- A fixed cover amount (from R15,000 up to R75,000 per person)
✅ You can cover up to 20 family members, no matter where they live — in South Africa, across Africa, or overseas.
2. Create Your Profile
Once you’ve chosen a package:
- Sign up online or through an agent
- Enter your personal information
- Add your family members’ names, relationships, and dates of birth
No ID documents are needed at sign-up — only basic info to start.
3. Pay Your Premium
Start your cover by paying your first premium.
Choose the most convenient method:
- ✅ Credit or Debit Card (Visa, Mastercard)
- ✅ EFT from any South African bank
- ✅ Debit Order (automated monthly)
- ✅ Mobile Money (in selected countries)
Payments are made in South African Rands (ZAR) and can be done from any country.
4. Cover Starts Instantly
As soon as we receive your first payment:
- Your accidental death cover starts immediately
- Natural death cover starts after a 6-month waiting period
You’ll receive your policy schedule and documents via email or WhatsApp, confirming all covered members.
✅ Quick Summary
| Step | What Happens |
|---|---|
| 1 | Pick a fixed funeral package (starting from R250/month) |
| 2 | Add family members — anywhere in the world |
| 3 | Pay your premium using card, EFT, debit order, or mobile money |
| 4 | Get instant cover — with documents sent digitally |
Affordable Comprehensive Cover For All Nationalities
We offer flexible funeral cover options designed to meet the unique needs of individuals and families across different life stages
- Tax-free lump sum payout.
- International Repatriation
- Covers Family Members In Any Country.
- Single premium for all members
- 6 Months Waiting Period
👨👩👦Rand Single Family Cover
- 🧾Cover: R15,000
- 🇿🇦Premium: R250
- Maximum Entry Age: 75
- Covers a total of 6 family members
👨👩👧👦Rand Single Family Plus Cover
- 🧾Cover: R25,000
- 🇿🇦Premium: R350
- Maximum Entry Age: 75
- Covers a total of 10 family members
🏘Rand Extended Family Cover
- 🧾Cover: R50,000
- 🇿🇦Premium: R500
- Maximum Entry Age: 75
- Covers a total of 20 family members
🌏Rand Max Family Cover
- 🧾Cover: R75,000
- 🇿🇦Premium: R999
- Maximum Entry Age: 75
- Covers a total of 30 family members