{"id":11826,"date":"2026-04-18T18:18:13","date_gmt":"2026-04-18T16:18:13","guid":{"rendered":"https:\/\/mutuallife.africa\/?page_id=11826"},"modified":"2026-04-18T18:18:13","modified_gmt":"2026-04-18T16:18:13","slug":"funeral-cover-vs-life-cover-comparison","status":"publish","type":"page","link":"https:\/\/mutuallife.africa\/uk\/funeral-cover-vs-life-cover-comparison\/","title":{"rendered":"Funeral Cover vs Life Cover Comparison"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"11826\" class=\"elementor elementor-11826\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6bf9a100 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"6bf9a100\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-2a78b3c1 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"2a78b3c1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-49aba478 wpr-button-icon-style-inline wpr-button-icon-position-right elementor-invisible elementor-widget elementor-widget-wpr-button\" data-id=\"49aba478\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"wpr-button.default\">\n\t\t\t\t\t\t\n\t\t\t\n\t\t\n\t\t<div class=\"wpr-button-wrap elementor-clearfix\">\n\t\t<a class=\"wpr-button wpr-button-effect wpr-button-none\" data-text=\"\" href=\"#link\">\n\t\t\t\n\t\t\t<span class=\"wpr-button-content\">\n\t\t\t\t\t\t\t\t\t<span class=\"wpr-button-text\">Product comparison<\/span>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/span>\n\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\n\t\n\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5f200163 wpr-fancy-text-slide wpr-advanced-text-style-animated wpr-animated-text-infinite-yes wpr-advanced-text-layout-inline elementor-invisible elementor-widget elementor-widget-wpr-advanced-text\" data-id=\"5f200163\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:100,&quot;anim_loop&quot;:&quot;yes&quot;}\" data-widget_type=\"wpr-advanced-text.default\">\n\t\t\t\t\t\n\t\t<h3 class=\"wpr-advanced-text\">\n\n\t\t\t\t\t\n\t\t\t\t\t\t\t<span class=\"wpr-advanced-text-preffix\">Funeral Cover vs Life Cover Which one is right for you?<\/span>\n\t\t\t\n\t\t<span class=\"wpr-anim-text wpr-anim-text-type-slide\" data-anim-duration=\"2100,3600\" data-anim-loop=\"yes\">\n\t\t\t<span class=\"wpr-anim-text-inner\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/span>\n\n\t\t\t\t\n\t\t<\/h3>\n\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c6541d0 elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"c6541d0\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:200}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Both products protect your family. But they do it differently. Here&#8217;s everything you need to know to make the right call \u2014 or take out both.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1d4339e0 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"1d4339e0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-259ca917 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"259ca917\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4492d949 elementor-invisible elementor-widget elementor-widget-image\" data-id=\"4492d949\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;slideInUp&quot;,&quot;_animation_delay&quot;:300}\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/mutuallife.africa\/dev\/wp-content\/uploads\/sites\/20\/2026\/04\/young-afro-man-listening-music-with-headphones_58466-16300.avif\" title=\"\" alt=\"\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3d46b9c e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"3d46b9c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0dc025f elementor-widget elementor-widget-html\" data-id=\"0dc025f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Syne:wght@600;700&family=Philosopher:ital,wght@0,400;0,700;1,400&display=swap\" rel=\"stylesheet\">\r\n<style>\r\n*{box-sizing:border-box;margin:0;padding:0}\r\n.mlc-ow{background:#ffffff;padding:64px 40px}\r\n.mlc-ow-inner{max-width:960px;margin:0 auto}\r\n.mlc-label{font-family:'Syne',sans-serif;font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:0.1em;color:#1A237E;margin-bottom:10px}\r\n.mlc-h2{font-family:'Syne',sans-serif;font-size:28px;font-weight:700;color:#000000;line-height:1.25;margin-bottom:12px}\r\n.mlc-lead{font-family:'Philosopher',serif;font-size:16px;color:#000000;line-height:1.8;margin-bottom:0}\r\n.mlc-cards{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin-top:36px}\r\n.mlc-card{border-radius:16px;padding:32px;display:flex;flex-direction:column;gap:16px}\r\n.mlc-card.funeral{background:#1A237E;border:1.5px solid #C9A84C}\r\n.mlc-card.life{background:#ffffff;border:1.5px solid #1A237E}\r\n.mlc-card-badge{display:inline-block;font-family:'Syne',sans-serif;font-size:10px;font-weight:700;letter-spacing:0.1em;text-transform:uppercase;padding:4px 12px;border-radius:20px;width:fit-content}\r\n.mlc-card.funeral .mlc-card-badge{background:rgba(201,168,76,0.2);color:#C9A84C;border:1px solid rgba(201,168,76,0.4)}\r\n.mlc-card.life .mlc-card-badge{background:rgba(26,35,126,0.08);color:#1A237E;border:1px solid rgba(26,35,126,0.2)}\r\n.mlc-card h3{font-family:'Syne',sans-serif;font-size:22px;font-weight:700;line-height:1.2}\r\n.mlc-card.funeral h3{color:#ffffff}\r\n.mlc-card.life h3{color:#000000}\r\n.mlc-card-desc{font-family:'Philosopher',serif;font-size:14px;line-height:1.75}\r\n.mlc-card.funeral .mlc-card-desc{color:rgba(255,255,255,0.78)}\r\n.mlc-card.life .mlc-card-desc{color:#000000}\r\n.mlc-card-currencies{display:flex;gap:8px;flex-wrap:wrap}\r\n.mlc-currency-pill{font-family:'Syne',sans-serif;font-size:11px;font-weight:700;padding:4px 10px;border-radius:20px}\r\n.mlc-card.funeral .mlc-currency-pill{background:rgba(201,168,76,0.15);color:#C9A84C;border:1px solid rgba(201,168,76,0.3)}\r\n.mlc-card.life .mlc-currency-pill{background:rgba(26,35,126,0.07);color:#1A237E;border:1px solid rgba(26,35,126,0.15)}\r\n.mlc-card-from{font-family:'Philosopher',serif;font-size:13px}\r\n.mlc-card.funeral .mlc-card-from{color:rgba(255,255,255,0.5)}\r\n.mlc-card.life .mlc-card-from{color:#666}\r\n.mlc-card-from strong{font-family:'Syne',sans-serif;font-size:22px;font-weight:700}\r\n.mlc-card.funeral .mlc-card-from strong{color:#C9A84C}\r\n.mlc-card.life .mlc-card-from strong{color:#1A237E}\r\n.mlc-card-btn{display:block;text-align:center;text-decoration:none;font-family:'Syne',sans-serif;font-size:13px;font-weight:700;padding:13px 20px;border-radius:10px;letter-spacing:0.04em;margin-top:auto}\r\n.mlc-card.funeral .mlc-card-btn{background:#C9A84C;color:#1A237E}\r\n.mlc-card.life .mlc-card-btn{background:#1A237E;color:#ffffff}\r\n@media(max-width:680px){\r\n  .mlc-ow{padding:48px 20px}\r\n  .mlc-cards{grid-template-columns:1fr}\r\n  .mlc-card{padding:24px}\r\n  .mlc-h2{font-size:22px}\r\n}\r\n<\/style>\r\n<div class=\"mlc-ow\">\r\n  <div class=\"mlc-ow-inner\">\r\n    <p class=\"mlc-label\">At a glance<\/p>\r\n    <h2 class=\"mlc-h2\">Two products. One mission \u2014 protecting African families.<\/h2>\r\n    <p class=\"mlc-lead\">Funeral Cover pays quickly to cover the immediate costs of death \u2014 the funeral, repatriation, and family support. Life Cover pays a larger lump sum to replace lost income and secure your family's financial future long-term. Many families take out both.<\/p>\r\n    <div class=\"mlc-cards\">\r\n      <div class=\"mlc-card funeral\">\r\n        <div class=\"mlc-card-badge\">Funeral Cover<\/div>\r\n        <h3>Immediate protection.<br>Fast payout.<\/h3>\r\n        <p class=\"mlc-card-desc\">Covers funeral costs, repatriation, and immediate family support \u2014 paid out within 48 hours. Designed for African expats and diaspora families spread across multiple countries.<\/p>\r\n        <div class=\"mlc-card-currencies\">\r\n          <span class=\"mlc-currency-pill\">\u00a3 GBP<\/span>\r\n          <span class=\"mlc-currency-pill\">$ USD<\/span>\r\n          <span class=\"mlc-currency-pill\">\u20ac EUR<\/span>\r\n          <span class=\"mlc-currency-pill\">R ZAR<\/span>\r\n        <\/div>\r\n        <div class=\"mlc-card-from\">From <strong>$24.99<\/strong> \/ month<\/div>\r\n        <a href=\"https:\/\/app.mutuallifeafrica.com\" class=\"mlc-card-btn\" target=\"_blank\" rel=\"noopener\">Get Funeral Cover<\/a>\r\n      <\/div>\r\n      <div class=\"mlc-card life\">\r\n        <div class=\"mlc-card-badge\">Life Cover<\/div>\r\n        <h3>Long-term security.<br>Larger payout.<\/h3>\r\n        <p class=\"mlc-card-desc\">Pays a large lump sum upon death \u2014 designed to replace lost income, clear debts, and secure your family's financial future. Cover from $100,000 up to $2 million.<\/p>\r\n        <div class=\"mlc-card-currencies\">\r\n          <span class=\"mlc-currency-pill\">$ USD<\/span>\r\n          <span class=\"mlc-currency-pill\">R ZAR<\/span>\r\n        <\/div>\r\n        <div class=\"mlc-card-from\">From <strong>$28<\/strong> \/ month<\/div>\r\n        <a href=\"https:\/\/app.mutuallifeafrica.com\" class=\"mlc-card-btn\" target=\"_blank\" rel=\"noopener\">Get Life Cover<\/a>\r\n      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5e11832 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"5e11832\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8b79ef4 elementor-widget elementor-widget-html\" data-id=\"8b79ef4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Syne:wght@600;700&family=Philosopher:ital,wght@0,400;0,700;1,400&display=swap\" rel=\"stylesheet\">\r\n<style>\r\n*{box-sizing:border-box;margin:0;padding:0}\r\n.mlc-tw{background:#f7f7f2;padding:64px 40px}\r\n.mlc-ti{max-width:960px;margin:0 auto}\r\n.mlc-label{font-family:'Syne',sans-serif;font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:0.1em;color:#1A237E;margin-bottom:10px}\r\n.mlc-h2{font-family:'Syne',sans-serif;font-size:28px;font-weight:700;color:#000000;line-height:1.25;margin-bottom:12px}\r\n.mlc-lead{font-family:'Philosopher',serif;font-size:16px;color:#000000;line-height:1.8}\r\n.mlc-scroll{overflow-x:auto;-webkit-overflow-scrolling:touch;margin-top:36px}\r\n.mlc-table{width:100%;border-collapse:collapse;font-family:'Philosopher',serif;min-width:520px}\r\n.mlc-table thead tr{border-bottom:2px solid #C9A84C}\r\n.mlc-table th{padding:14px 20px;text-align:left;font-family:'Syne',sans-serif;font-size:13px;font-weight:700;color:#000000}\r\n.mlc-table th:first-child{width:38%;color:#888;font-size:11px;text-transform:uppercase;letter-spacing:0.08em}\r\n.mlc-table th.th-col{color:#1A237E}\r\n.mlc-table td{padding:14px 20px;font-size:14px;color:#000000;border-bottom:1px solid rgba(0,0,0,0.07);vertical-align:top;line-height:1.5}\r\n.mlc-table tr:last-child td{border-bottom:none}\r\n.mlc-table td:first-child{font-family:'Syne',sans-serif;font-size:12px;font-weight:700;color:#888;text-transform:uppercase;letter-spacing:0.06em;padding-top:16px}\r\n.mlc-table tr.mlc-sr td{background:#1A237E;color:#C9A84C !important;font-family:'Syne',sans-serif;font-size:11px;font-weight:700;letter-spacing:0.1em;text-transform:uppercase;padding:10px 20px;border-bottom:none}\r\n.mlc-tick{color:#1A237E;font-size:16px;font-weight:700}\r\n.mlc-cross{color:#ccc;font-size:16px}\r\n.mlc-tag{display:inline-block;font-family:'Syne',sans-serif;font-size:10px;font-weight:700;padding:3px 8px;border-radius:10px;letter-spacing:0.06em}\r\n.mlc-tag.f{background:rgba(26,35,126,0.08);color:#1A237E}\r\n.mlc-tag.l{background:rgba(201,168,76,0.15);color:#8a6d24}\r\n@media(max-width:680px){\r\n  .mlc-tw{padding:48px 20px}\r\n  .mlc-h2{font-size:22px}\r\n  .mlc-table th,.mlc-table td{padding:12px 14px}\r\n}\r\n<\/style>\r\n<div class=\"mlc-tw\">\r\n  <div class=\"mlc-ti\">\r\n    <p class=\"mlc-label\">Side by side<\/p>\r\n    <h2 class=\"mlc-h2\">Full feature comparison<\/h2>\r\n    <p class=\"mlc-lead\">Every detail, laid out clearly so you can decide with confidence.<\/p>\r\n    <div class=\"mlc-scroll\">\r\n      <table class=\"mlc-table\">\r\n        <thead>\r\n          <tr>\r\n            <th><\/th>\r\n            <th class=\"th-col\">\ud83d\udd4a\ufe0f Funeral Cover<\/th>\r\n            <th class=\"th-col\">\ud83d\udee1\ufe0f Life Cover<\/th>\r\n          <\/tr>\r\n        <\/thead>\r\n        <tbody>\r\n          <tr class=\"mlc-sr\"><td colspan=\"3\">Purpose & payout<\/td><\/tr>\r\n          <tr><td>Primary purpose<\/td><td>Cover funeral costs, repatriation and immediate family support<\/td><td>Replace lost income and secure long-term family finances<\/td><\/tr>\r\n          <tr><td>Payout type<\/td><td>Fixed lump sum per plan<\/td><td>Large lump sum based on cover amount chosen<\/td><\/tr>\r\n          <tr><td>Payout speed<\/td><td><strong>Within 48 hours<\/strong> of valid claim<\/td><td>Standard claims processing<\/td><\/tr>\r\n          <tr><td>Cover amounts<\/td><td>$7,500 \u00b7 $15,000 \u00b7 $20,000<br><span style=\"font-size:12px;color:#888\">equivalent in GBP, EUR, ZAR<\/span><\/td><td>$100k \u00b7 $250k \u00b7 $500k \u00b7 $1M \u00b7 $2M<br><span style=\"font-size:12px;color:#888\">or ZAR equivalent<\/span><\/td><\/tr>\r\n\r\n          <tr class=\"mlc-sr\"><td colspan=\"3\">Who is covered<\/td><\/tr>\r\n          <tr><td>Who is covered<\/td><td>Policyholder + up to 15 family members across multiple countries<\/td><td>Policyholder only<\/td><\/tr>\r\n          <tr><td>Family members included<\/td><td><span class=\"mlc-tick\">\u2713<\/span> Up to 8, 10 or 15 depending on plan<\/td><td><span class=\"mlc-cross\">\u2014<\/span> Single life cover<\/td><\/tr>\r\n          <tr><td>Family back in Africa<\/td><td><span class=\"mlc-tick\">\u2713<\/span> Extended and Max plans<\/td><td><span class=\"mlc-cross\">\u2014<\/span> Not applicable<\/td><\/tr>\r\n          <tr><td>Maximum age at entry<\/td><td>70 years<\/td><td>60 years<\/td><\/tr>\r\n\r\n          <tr class=\"mlc-sr\"><td colspan=\"3\">Currencies & pricing<\/td><\/tr>\r\n          <tr><td>Available currencies<\/td><td><span class=\"mlc-tag f\">GBP<\/span> <span class=\"mlc-tag f\">USD<\/span> <span class=\"mlc-tag f\">EUR<\/span> <span class=\"mlc-tag f\">ZAR<\/span><\/td><td><span class=\"mlc-tag l\">USD<\/span> <span class=\"mlc-tag l\">ZAR<\/span><\/td><\/tr>\r\n          <tr><td>Starting price<\/td><td>From $24.99 \u00b7 \u00a324.99 \u00b7 \u20ac24.99 \u00b7 R350 \/mo<\/td><td>From $28 \u00b7 R300 \/mo<\/td><\/tr>\r\n          <tr><td>Fixed premiums<\/td><td><span class=\"mlc-tick\">\u2713<\/span> Price locked at signup<\/td><td><span class=\"mlc-tick\">\u2713<\/span> Price locked at signup<\/td><\/tr>\r\n          <tr><td>No medical exam<\/td><td><span class=\"mlc-tick\">\u2713<\/span> Simple sign-up<\/td><td><span class=\"mlc-tick\">\u2713<\/span> Minimal underwriting<\/td><\/tr>\r\n\r\n          <tr class=\"mlc-sr\"><td colspan=\"3\">Key features<\/td><\/tr>\r\n          <tr><td>International repatriation<\/td><td><span class=\"mlc-tick\">\u2713<\/span> Included on all plans<\/td><td><span class=\"mlc-cross\">\u2014<\/span> Not included<\/td><\/tr>\r\n          <tr><td>Cross-border cover<\/td><td><span class=\"mlc-tick\">\u2713<\/span> Africa, UK, Europe, globally<\/td><td><span class=\"mlc-tick\">\u2713<\/span> Global \u2014 valid regardless of location<\/td><\/tr>\r\n          <tr><td>Multiple beneficiaries<\/td><td><span class=\"mlc-tick\">\u2713<\/span> Name multiple across countries<\/td><td><span class=\"mlc-tick\">\u2713<\/span> Nominated beneficiaries<\/td><\/tr>\r\n          <tr><td>Covers funeral expenses<\/td><td><span class=\"mlc-tick\">\u2713<\/span> Core purpose<\/td><td><span class=\"mlc-cross\">\u2014<\/span> Payout used for any purpose<\/td><\/tr>\r\n          <tr><td>Income replacement<\/td><td><span class=\"mlc-cross\">\u2014<\/span> Not designed for this<\/td><td><span class=\"mlc-tick\">\u2713<\/span> Core purpose<\/td><\/tr>\r\n          <tr><td>Debt \/ mortgage cover<\/td><td><span class=\"mlc-cross\">\u2014<\/span><\/td><td><span class=\"mlc-tick\">\u2713<\/span> Lump sum covers liabilities<\/td><\/tr>\r\n          <tr><td>Cancel anytime<\/td><td><span class=\"mlc-tick\">\u2713<\/span><\/td><td><span class=\"mlc-tick\">\u2713<\/span><\/td><\/tr>\r\n          <tr><td>Available in app<\/td><td><span class=\"mlc-tick\">\u2713<\/span> app.mutuallifeafrica.com<\/td><td><span class=\"mlc-tick\">\u2713<\/span> app.mutuallifeafrica.com<\/td><\/tr>\r\n        <\/tbody>\r\n      <\/table>\r\n    <\/div>\r\n  <\/div>\r\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1ac2955 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"1ac2955\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-aa6da28 elementor-widget elementor-widget-html\" data-id=\"aa6da28\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Syne:wght@600;700&family=Philosopher:ital,wght@0,400;0,700;1,400&display=swap\" rel=\"stylesheet\">\r\n<style>\r\n*{box-sizing:border-box;margin:0;padding:0}\r\n.mlc-rw{background:#ffffff;padding:64px 40px}\r\n.mlc-ri{max-width:960px;margin:0 auto}\r\n.mlc-label{font-family:'Syne',sans-serif;font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:0.1em;color:#1A237E;margin-bottom:10px}\r\n.mlc-h2{font-family:'Syne',sans-serif;font-size:28px;font-weight:700;color:#000000;line-height:1.25;margin-bottom:12px}\r\n.mlc-lead{font-family:'Philosopher',serif;font-size:16px;color:#000000;line-height:1.8;margin-bottom:0}\r\n.mlc-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin-top:36px}\r\n.mlc-col{border-radius:14px;padding:28px;border:1px solid rgba(0,0,0,0.08)}\r\n.mlc-col.funeral{border-top:3px solid #C9A84C}\r\n.mlc-col.life{border-top:3px solid #1A237E}\r\n.mlc-col h3{font-family:'Syne',sans-serif;font-size:17px;font-weight:700;color:#000000;margin-bottom:6px}\r\n.mlc-col-sub{font-family:'Philosopher',serif;font-size:13px;color:#666;margin-bottom:20px;line-height:1.6}\r\n.mlc-list{list-style:none;padding:0;display:flex;flex-direction:column;gap:12px}\r\n.mlc-list li{display:flex;align-items:flex-start;gap:10px;font-family:'Philosopher',serif;font-size:14px;color:#000000;line-height:1.6}\r\n.mlc-dot{width:20px;height:20px;min-width:20px;background:#1A237E;border-radius:50%;display:flex;align-items:center;justify-content:center;margin-top:1px;flex-shrink:0}\r\n.mlc-dot svg{width:10px;height:10px}\r\n.mlc-col-btn{display:block;text-align:center;text-decoration:none;font-family:'Syne',sans-serif;font-size:13px;font-weight:700;padding:12px 20px;border-radius:10px;letter-spacing:0.04em;margin-top:24px;border:1.5px solid #1A237E;color:#1A237E}\r\n.mlc-col-btn:hover{background:#1A237E;color:#ffffff}\r\n.mlc-both{margin-top:28px;background:#f7f7f2;border-radius:14px;padding:28px 32px;border-left:4px solid #C9A84C;display:flex;align-items:flex-start;gap:20px;flex-wrap:wrap}\r\n.mlc-both-text{flex:1;min-width:240px}\r\n.mlc-both-text p.title{font-family:'Syne',sans-serif;font-size:14px;font-weight:700;color:#1A237E;margin-bottom:6px}\r\n.mlc-both-text p.body{font-family:'Philosopher',serif;font-size:14px;color:#000000;line-height:1.7}\r\n.mlc-both-btn{display:inline-block;font-family:'Syne',sans-serif;font-size:13px;font-weight:700;padding:13px 24px;border-radius:10px;background:#1A237E;color:#ffffff;text-decoration:none;white-space:nowrap;align-self:center}\r\n@media(max-width:680px){\r\n  .mlc-rw{padding:48px 20px}\r\n  .mlc-grid{grid-template-columns:1fr}\r\n  .mlc-h2{font-size:22px}\r\n  .mlc-both{flex-direction:column;gap:16px}\r\n  .mlc-both-btn{width:100%;text-align:center}\r\n}\r\n<\/style>\r\n<div class=\"mlc-rw\">\r\n  <div class=\"mlc-ri\">\r\n    <p class=\"mlc-label\">Which one is right for you?<\/p>\r\n    <h2 class=\"mlc-h2\">Choose based on what your family needs most.<\/h2>\r\n    <p class=\"mlc-lead\">Both products protect African families. The difference is timing and scale \u2014 Funeral Cover acts fast when death happens, Life Cover secures the years that follow.<\/p>\r\n\r\n    <div class=\"mlc-grid\">\r\n      <div class=\"mlc-col funeral\">\r\n        <h3>Choose Funeral Cover if...<\/h3>\r\n        <p class=\"mlc-col-sub\">You want fast, practical protection that covers the costs and logistics of death \u2014 especially across borders.<\/p>\r\n        <ul class=\"mlc-list\">\r\n          <li><div class=\"mlc-dot\"><svg viewBox=\"0 0 10 10\" fill=\"none\"><path d=\"M2 5l2.5 2.5L8 3\" stroke=\"#C9A84C\" stroke-width=\"1.6\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/div>You're an African expat in the UK, Europe, USA, Canada, Middle East or Asia<\/li>\r\n          <li><div class=\"mlc-dot\"><svg viewBox=\"0 0 10 10\" fill=\"none\"><path d=\"M2 5l2.5 2.5L8 3\" stroke=\"#C9A84C\" stroke-width=\"1.6\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/div>You have parents or siblings back in Africa with no financial cover<\/li>\r\n          <li><div class=\"mlc-dot\"><svg viewBox=\"0 0 10 10\" fill=\"none\"><path d=\"M2 5l2.5 2.5L8 3\" stroke=\"#C9A84C\" stroke-width=\"1.6\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/div>You want repatriation costs handled if someone dies abroad<\/li>\r\n          <li><div class=\"mlc-dot\"><svg viewBox=\"0 0 10 10\" fill=\"none\"><path d=\"M2 5l2.5 2.5L8 3\" stroke=\"#C9A84C\" stroke-width=\"1.6\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/div>You want money in your family's hands within 48 hours \u2014 not weeks<\/li>\r\n          <li><div class=\"mlc-dot\"><svg viewBox=\"0 0 10 10\" fill=\"none\"><path d=\"M2 5l2.5 2.5L8 3\" stroke=\"#C9A84C\" stroke-width=\"1.6\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/div>You want cover for multiple family members under one policy<\/li>\r\n          <li><div class=\"mlc-dot\"><svg viewBox=\"0 0 10 10\" fill=\"none\"><path d=\"M2 5l2.5 2.5L8 3\" stroke=\"#C9A84C\" stroke-width=\"1.6\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/div>You want to pay in GBP, USD, EUR or ZAR<\/li>\r\n        <\/ul>\r\n        <a href=\"https:\/\/app.mutuallifeafrica.com\" class=\"mlc-col-btn\" target=\"_blank\" rel=\"noopener\">Get Funeral Cover<\/a>\r\n      <\/div>\r\n\r\n      <div class=\"mlc-col life\">\r\n        <h3>Choose Life Cover if...<\/h3>\r\n        <p class=\"mlc-col-sub\">You want your family's financial future protected \u2014 income, mortgage, debts, and your children's future \u2014 if you're no longer here.<\/p>\r\n        <ul class=\"mlc-list\">\r\n          <li><div class=\"mlc-dot\"><svg viewBox=\"0 0 10 10\" fill=\"none\"><path d=\"M2 5l2.5 2.5L8 3\" stroke=\"#C9A84C\" stroke-width=\"1.6\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/div>You are the primary breadwinner and your family depends on your income<\/li>\r\n          <li><div class=\"mlc-dot\"><svg viewBox=\"0 0 10 10\" fill=\"none\"><path d=\"M2 5l2.5 2.5L8 3\" stroke=\"#C9A84C\" stroke-width=\"1.6\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/div>You have a mortgage, car loan, or significant debts you don't want to leave behind<\/li>\r\n          <li><div class=\"mlc-dot\"><svg viewBox=\"0 0 10 10\" fill=\"none\"><path d=\"M2 5l2.5 2.5L8 3\" stroke=\"#C9A84C\" stroke-width=\"1.6\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/div>You want to leave a meaningful financial legacy for your children<\/li>\r\n          <li><div class=\"mlc-dot\"><svg viewBox=\"0 0 10 10\" fill=\"none\"><path d=\"M2 5l2.5 2.5L8 3\" stroke=\"#C9A84C\" stroke-width=\"1.6\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/div>You want high cover amounts \u2014 from $100,000 up to $2 million<\/li>\r\n          <li><div class=\"mlc-dot\"><svg viewBox=\"0 0 10 10\" fill=\"none\"><path d=\"M2 5l2.5 2.5L8 3\" stroke=\"#C9A84C\" stroke-width=\"1.6\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/div>You're between 18 and 60 and want to lock in a lower premium now<\/li>\r\n          <li><div class=\"mlc-dot\"><svg viewBox=\"0 0 10 10\" fill=\"none\"><path d=\"M2 5l2.5 2.5L8 3\" stroke=\"#C9A84C\" stroke-width=\"1.6\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/div>You want to pay in USD or ZAR with no medical exam<\/li>\r\n        <\/ul>\r\n        <a href=\"https:\/\/app.mutuallifeafrica.com\" class=\"mlc-col-btn\" target=\"_blank\" rel=\"noopener\">Get Life Cover<\/a>\r\n      <\/div>\r\n    <\/div>\r\n\r\n    <div class=\"mlc-both\">\r\n      <div class=\"mlc-both-text\">\r\n        <p class=\"title\">\ud83d\udca1 Many African families take out both<\/p>\r\n        <p class=\"body\">Funeral Cover handles the immediate \u2014 the burial, the repatriation, the family back home. Life Cover handles the long-term \u2014 income, debts, your children's future. Together, they give complete protection. And because premiums are fixed, you can plan both into your monthly budget from day one.<\/p>\r\n      <\/div>\r\n      <a href=\"https:\/\/app.mutuallifeafrica.com\" class=\"mlc-both-btn\" target=\"_blank\" rel=\"noopener\">Get both \u2192<\/a>\r\n    <\/div>\r\n  <\/div>\r\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-61b5251a e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"61b5251a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-570a80b0 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no elementor-invisible e-con e-child\" data-id=\"570a80b0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;slideInLeft&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a7f69a6 wpr-button-icon-style-inline wpr-button-icon-position-right elementor-widget elementor-widget-wpr-button\" data-id=\"a7f69a6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"wpr-button.default\">\n\t\t\t\t\t\t\n\t\t\t\n\t\t\n\t\t<div class=\"wpr-button-wrap elementor-clearfix\">\n\t\t<a class=\"wpr-button wpr-button-effect wpr-button-none\" data-text=\"\" href=\"#link\">\n\t\t\t\n\t\t\t<span class=\"wpr-button-content\">\n\t\t\t\t\t\t\t\t\t<span class=\"wpr-button-text\">Help, When You Need It<\/span>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/span>\n\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\n\t\n\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-674a3791 elementor-widget elementor-widget-heading\" data-id=\"674a3791\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Repatriation support<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7d2b3daf elementor-widget elementor-widget-text-editor\" data-id=\"7d2b3daf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Returning a loved one to their home country involves funeral homes, embassies, paperwork, and airlines \u2014 often all at once<a href=\"http:\/\/mutuallifeglobal.com\" target=\"_blank\" rel=\"noopener\">.<\/a> We cover the costs and coordinate the logistics, so your family doesn&#8217;t have to figure it out from scratch while grieving<a href=\"https:\/\/mutuallife.africa\/\">.<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-44870ce7 wpr-button-icon-position-left wpr-button-icon-style-inline elementor-widget elementor-widget-wpr-button\" data-id=\"44870ce7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"wpr-button.default\">\n\t\t\t\t\t\t\n\t\t\t\n\t\t\n\t\t<div class=\"wpr-button-wrap elementor-clearfix\">\n\t\t<a class=\"wpr-button wpr-button-effect wpr-button-none\" data-text=\"\" href=\"http:\/\/app.mutualifeafrica.com\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\n\t\t\t<span class=\"wpr-button-content\">\n\t\t\t\t\t\t\t\t\t<span class=\"wpr-button-text\">Join Now<\/span>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<span class=\"wpr-button-icon\"><svg class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t<\/span>\n\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\n\t\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3b754e9d e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no elementor-invisible e-con e-child\" data-id=\"3b754e9d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;slideInRight&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-22a32e34 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"22a32e34\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-4b25cd23 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"4b25cd23\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5ddea2d6 elementor-widget elementor-widget-heading\" data-id=\"5ddea2d6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Our Strength In Numbers<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-43c1fac3 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"43c1fac3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-72ef6c7d elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"72ef6c7d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2f929791 elementor-widget elementor-widget-counter\" data-id=\"2f929791\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"counter.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-counter\">\n\t\t\t\t\t\t<div class=\"elementor-counter-number-wrapper\">\n\t\t\t\t<span class=\"elementor-counter-number-prefix\"><\/span>\n\t\t\t\t<span class=\"elementor-counter-number\" data-duration=\"2000\" data-to-value=\"80\" data-from-value=\"0\" data-delimiter=\",\">0<\/span>\n\t\t\t\t<span class=\"elementor-counter-number-suffix\">+<\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5ce2680b e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"5ce2680b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-17efb0c6 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"17efb0c6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-25992941 elementor-widget elementor-widget-heading\" data-id=\"25992941\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Cross Border Coverage<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-171ed71d e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"171ed71d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4f74e9a7 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"4f74e9a7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1f12efb6 elementor-widget elementor-widget-counter\" data-id=\"1f12efb6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"counter.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-counter\">\n\t\t\t\t\t\t<div class=\"elementor-counter-number-wrapper\">\n\t\t\t\t<span class=\"elementor-counter-number-prefix\"><\/span>\n\t\t\t\t<span class=\"elementor-counter-number\" data-duration=\"5000\" data-to-value=\"500\" data-from-value=\"0\" data-delimiter=\",\">0<\/span>\n\t\t\t\t<span class=\"elementor-counter-number-suffix\">k+<\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-194599e3 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"194599e3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-5a3f75bf e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"5a3f75bf\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-266e80cd elementor-widget elementor-widget-heading\" data-id=\"266e80cd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Families Protected<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2b33650b e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"2b33650b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2021b0ab elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"2021b0ab\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f97a905 elementor-widget elementor-widget-counter\" data-id=\"f97a905\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"counter.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-counter\">\n\t\t\t<p class=\"elementor-counter-title\">Client Support<\/p>\t\t\t<div class=\"elementor-counter-number-wrapper\">\n\t\t\t\t<span class=\"elementor-counter-number-prefix\"><\/span>\n\t\t\t\t<span class=\"elementor-counter-number\" data-duration=\"5000\" data-to-value=\"24\" data-from-value=\"0\" data-delimiter=\",\">0<\/span>\n\t\t\t\t<span class=\"elementor-counter-number-suffix\">\/ 7<\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Product comparison Funeral Cover vs Life Cover Which one is right for you? Both products protect your family. But they do it differently. Here&#8217;s everything you need to know to make the right call \u2014 or take out both. *{box-sizing:border-box;margin:0;padding:0} .mlc-ow{background:#ffffff;padding:64px 40px} .mlc-ow-inner{max-width:960px;margin:0 auto} .mlc-label{font-family:&#8217;Syne&#8217;,sans-serif;font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:0.1em;color:#1A237E;margin-bottom:10px} .mlc-h2{font-family:&#8217;Syne&#8217;,sans-serif;font-size:28px;font-weight:700;color:#000000;line-height:1.25;margin-bottom:12px} .mlc-lead{font-family:&#8217;Philosopher&#8217;,serif;font-size:16px;color:#000000;line-height:1.8;margin-bottom:0} .mlc-cards{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin-top:36px} .mlc-card{border-radius:16px;padding:32px;display:flex;flex-direction:column;gap:16px} .mlc-card.funeral{background:#1A237E;border:1.5px solid #C9A84C} .mlc-card.life{background:#ffffff;border:1.5px solid #1A237E} .mlc-card-badge{display:inline-block;font-family:&#8217;Syne&#8217;,sans-serif;font-size:10px;font-weight:700;letter-spacing:0.1em;text-transform:uppercase;padding:4px 12px;border-radius:20px;width:fit-content} .mlc-card.funeral .mlc-card-badge{background:rgba(201,168,76,0.2);color:#C9A84C;border:1px solid rgba(201,168,76,0.4)} .mlc-card.life .mlc-card-badge{background:rgba(26,35,126,0.08);color:#1A237E;border:1px solid rgba(26,35,126,0.2)} .mlc-card h3{font-family:&#8217;Syne&#8217;,sans-serif;font-size:22px;font-weight:700;line-height:1.2} .mlc-card.funeral h3{color:#ffffff} .mlc-card.life h3{color:#000000} .mlc-card-desc{font-family:&#8217;Philosopher&#8217;,serif;font-size:14px;line-height:1.75} .mlc-card.funeral .mlc-card-desc{color:rgba(255,255,255,0.78)} .mlc-card.life .mlc-card-desc{color:#000000} .mlc-card-currencies{display:flex;gap:8px;flex-wrap:wrap} .mlc-currency-pill{font-family:&#8217;Syne&#8217;,sans-serif;font-size:11px;font-weight:700;padding:4px 10px;border-radius:20px} .mlc-card.funeral .mlc-currency-pill{background:rgba(201,168,76,0.15);color:#C9A84C;border:1px solid rgba(201,168,76,0.3)} .mlc-card.life .mlc-currency-pill{background:rgba(26,35,126,0.07);color:#1A237E;border:1px solid rgba(26,35,126,0.15)} .mlc-card-from{font-family:&#8217;Philosopher&#8217;,serif;font-size:13px} .mlc-card.funeral .mlc-card-from{color:rgba(255,255,255,0.5)} .mlc-card.life .mlc-card-from{color:#666} .mlc-card-from strong{font-family:&#8217;Syne&#8217;,sans-serif;font-size:22px;font-weight:700} .mlc-card.funeral .mlc-card-from strong{color:#C9A84C} .mlc-card.life .mlc-card-from strong{color:#1A237E} .mlc-card-btn{display:block;text-align:center;text-decoration:none;font-family:&#8217;Syne&#8217;,sans-serif;font-size:13px;font-weight:700;padding:13px 20px;border-radius:10px;letter-spacing:0.04em;margin-top:auto} .mlc-card.funeral .mlc-card-btn{background:#C9A84C;color:#1A237E} .mlc-card.life .mlc-card-btn{background:#1A237E;color:#ffffff} @media(max-width:680px){ .mlc-ow{padding:48px 20px} .mlc-cards{grid-template-columns:1fr} .mlc-card{padding:24px} .mlc-h2{font-size:22px} } At a glance Two products. One mission \u2014 protecting African families. Funeral Cover pays quickly to cover the immediate costs of death \u2014 the funeral, repatriation, and family support. Life Cover pays a larger lump sum to replace lost income and secure your family&#8217;s financial future long-term. Many families take out both. Funeral Cover Immediate protection.Fast payout. Covers funeral costs, repatriation, and immediate family support \u2014 paid out within 48 hours. Designed for African expats and diaspora families spread across multiple countries. \u00a3 GBP $ USD \u20ac EUR R ZAR From $24.99 \/ month Get Funeral Cover Life Cover Long-term security.Larger payout. Pays a large lump sum upon death \u2014 designed to replace lost income, clear debts, and secure your family&#8217;s financial future. Cover from $100,000 up to $2 million. $ USD R ZAR From $28 \/ month Get Life Cover *{box-sizing:border-box;margin:0;padding:0} .mlc-tw{background:#f7f7f2;padding:64px 40px} .mlc-ti{max-width:960px;margin:0 auto} .mlc-label{font-family:&#8217;Syne&#8217;,sans-serif;font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:0.1em;color:#1A237E;margin-bottom:10px} .mlc-h2{font-family:&#8217;Syne&#8217;,sans-serif;font-size:28px;font-weight:700;color:#000000;line-height:1.25;margin-bottom:12px} .mlc-lead{font-family:&#8217;Philosopher&#8217;,serif;font-size:16px;color:#000000;line-height:1.8} .mlc-scroll{overflow-x:auto;-webkit-overflow-scrolling:touch;margin-top:36px} .mlc-table{width:100%;border-collapse:collapse;font-family:&#8217;Philosopher&#8217;,serif;min-width:520px} .mlc-table thead tr{border-bottom:2px solid #C9A84C} .mlc-table th{padding:14px 20px;text-align:left;font-family:&#8217;Syne&#8217;,sans-serif;font-size:13px;font-weight:700;color:#000000} .mlc-table th:first-child{width:38%;color:#888;font-size:11px;text-transform:uppercase;letter-spacing:0.08em} .mlc-table th.th-col{color:#1A237E} .mlc-table td{padding:14px 20px;font-size:14px;color:#000000;border-bottom:1px solid rgba(0,0,0,0.07);vertical-align:top;line-height:1.5} .mlc-table tr:last-child td{border-bottom:none} .mlc-table td:first-child{font-family:&#8217;Syne&#8217;,sans-serif;font-size:12px;font-weight:700;color:#888;text-transform:uppercase;letter-spacing:0.06em;padding-top:16px} .mlc-table tr.mlc-sr td{background:#1A237E;color:#C9A84C !important;font-family:&#8217;Syne&#8217;,sans-serif;font-size:11px;font-weight:700;letter-spacing:0.1em;text-transform:uppercase;padding:10px 20px;border-bottom:none} .mlc-tick{color:#1A237E;font-size:16px;font-weight:700} .mlc-cross{color:#ccc;font-size:16px} .mlc-tag{display:inline-block;font-family:&#8217;Syne&#8217;,sans-serif;font-size:10px;font-weight:700;padding:3px 8px;border-radius:10px;letter-spacing:0.06em} .mlc-tag.f{background:rgba(26,35,126,0.08);color:#1A237E} .mlc-tag.l{background:rgba(201,168,76,0.15);color:#8a6d24} @media(max-width:680px){ .mlc-tw{padding:48px 20px} .mlc-h2{font-size:22px} .mlc-table th,.mlc-table td{padding:12px 14px} } Side by side Full feature comparison Every detail, laid out clearly so you can decide with confidence. \ud83d\udd4a\ufe0f Funeral Cover \ud83d\udee1\ufe0f Life Cover Purpose &amp; payout Primary purpose Cover funeral costs, repatriation and immediate family support Replace lost income and secure long-term family finances Payout type Fixed lump sum per plan Large lump sum based on cover amount chosen Payout speed Within 48 hours of valid claim Standard claims processing Cover amounts $7,500 \u00b7 $15,000 \u00b7 $20,000equivalent in GBP, EUR, ZAR $100k \u00b7 $250k \u00b7 $500k \u00b7 $1M \u00b7 $2Mor ZAR equivalent Who is covered Who is covered Policyholder + up to 15 family members across multiple countries Policyholder only Family members included \u2713 Up to 8, 10 or 15 depending on plan \u2014 Single life cover Family back in Africa \u2713 Extended and Max plans \u2014 Not applicable Maximum age at entry 70 years 60 years Currencies &amp; pricing Available currencies GBP USD EUR ZAR USD ZAR Starting price From $24.99 \u00b7 \u00a324.99 \u00b7 \u20ac24.99 \u00b7 R350 \/mo From $28 \u00b7 R300 \/mo Fixed premiums \u2713 Price locked at signup \u2713 Price locked at signup No medical exam \u2713 Simple sign-up \u2713 Minimal underwriting Key features International repatriation \u2713 Included on all plans \u2014 Not included Cross-border cover \u2713 Africa, UK, Europe, globally \u2713 Global \u2014 valid regardless of location Multiple beneficiaries \u2713 Name multiple across countries \u2713 Nominated beneficiaries Covers funeral expenses \u2713 Core purpose \u2014 Payout used for any purpose Income replacement \u2014 Not designed for this \u2713 Core purpose Debt \/ mortgage cover \u2014 \u2713 Lump sum covers liabilities Cancel anytime \u2713 \u2713 Available in app \u2713 app.mutuallifeafrica.com \u2713 app.mutuallifeafrica.com *{box-sizing:border-box;margin:0;padding:0} .mlc-rw{background:#ffffff;padding:64px 40px} .mlc-ri{max-width:960px;margin:0 auto} .mlc-label{font-family:&#8217;Syne&#8217;,sans-serif;font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:0.1em;color:#1A237E;margin-bottom:10px} .mlc-h2{font-family:&#8217;Syne&#8217;,sans-serif;font-size:28px;font-weight:700;color:#000000;line-height:1.25;margin-bottom:12px} .mlc-lead{font-family:&#8217;Philosopher&#8217;,serif;font-size:16px;color:#000000;line-height:1.8;margin-bottom:0} .mlc-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin-top:36px} .mlc-col{border-radius:14px;padding:28px;border:1px solid rgba(0,0,0,0.08)} .mlc-col.funeral{border-top:3px solid #C9A84C} .mlc-col.life{border-top:3px solid #1A237E} .mlc-col h3{font-family:&#8217;Syne&#8217;,sans-serif;font-size:17px;font-weight:700;color:#000000;margin-bottom:6px} .mlc-col-sub{font-family:&#8217;Philosopher&#8217;,serif;font-size:13px;color:#666;margin-bottom:20px;line-height:1.6} .mlc-list{list-style:none;padding:0;display:flex;flex-direction:column;gap:12px} .mlc-list li{display:flex;align-items:flex-start;gap:10px;font-family:&#8217;Philosopher&#8217;,serif;font-size:14px;color:#000000;line-height:1.6} .mlc-dot{width:20px;height:20px;min-width:20px;background:#1A237E;border-radius:50%;display:flex;align-items:center;justify-content:center;margin-top:1px;flex-shrink:0} .mlc-dot svg{width:10px;height:10px} .mlc-col-btn{display:block;text-align:center;text-decoration:none;font-family:&#8217;Syne&#8217;,sans-serif;font-size:13px;font-weight:700;padding:12px 20px;border-radius:10px;letter-spacing:0.04em;margin-top:24px;border:1.5px solid #1A237E;color:#1A237E} .mlc-col-btn:hover{background:#1A237E;color:#ffffff} .mlc-both{margin-top:28px;background:#f7f7f2;border-radius:14px;padding:28px 32px;border-left:4px solid #C9A84C;display:flex;align-items:flex-start;gap:20px;flex-wrap:wrap} .mlc-both-text{flex:1;min-width:240px} .mlc-both-text p.title{font-family:&#8217;Syne&#8217;,sans-serif;font-size:14px;font-weight:700;color:#1A237E;margin-bottom:6px} .mlc-both-text p.body{font-family:&#8217;Philosopher&#8217;,serif;font-size:14px;color:#000000;line-height:1.7} .mlc-both-btn{display:inline-block;font-family:&#8217;Syne&#8217;,sans-serif;font-size:13px;font-weight:700;padding:13px 24px;border-radius:10px;background:#1A237E;color:#ffffff;text-decoration:none;white-space:nowrap;align-self:center} @media(max-width:680px){ .mlc-rw{padding:48px 20px} .mlc-grid{grid-template-columns:1fr} .mlc-h2{font-size:22px} .mlc-both{flex-direction:column;gap:16px} .mlc-both-btn{width:100%;text-align:center} } Which one is right for you? Choose based on what your family needs most. Both products protect African families. The difference is timing and scale \u2014 Funeral Cover acts fast when death happens, Life Cover secures the years that follow. Choose Funeral Cover if&#8230; You want fast, practical protection that covers the costs and logistics of death \u2014 especially across borders. You&#8217;re an African expat in the UK, Europe, USA, Canada, Middle East or Asia You have parents or siblings back in Africa with no financial cover You want repatriation costs handled if someone dies abroad You want money in your family&#8217;s hands within 48 hours \u2014 not weeks You want cover for multiple family members under one policy You want to pay in GBP, USD, EUR or ZAR Get Funeral Cover Choose Life Cover if&#8230; You want your family&#8217;s financial future protected \u2014 income, mortgage, debts, and your children&#8217;s future \u2014 if you&#8217;re no longer here. You are the primary breadwinner and your family depends on your income You have a mortgage, car loan, or significant debts you don&#8217;t want to leave behind You want to leave a meaningful financial legacy for your children You want high cover amounts \u2014 from $100,000 up to $2 million You&#8217;re between 18 and 60 and want to lock in a lower premium now You want to pay in USD or ZAR with no medical exam Get Life Cover \ud83d\udca1 Many African families take out both Funeral Cover handles the immediate \u2014 the burial, the repatriation, the family back home. Life Cover handles the long-term \u2014 income, debts, your children&#8217;s future. Together, they give complete protection. And because premiums are fixed, you can plan both into your monthly budget from day one. Get both \u2192 Help, When You Need It Repatriation support Returning a loved one to their home country involves funeral homes, embassies, paperwork, and airlines \u2014 often all at once. We cover the costs and coordinate the logistics, so your family doesn&#8217;t have to figure it out from scratch while grieving. Join Now Our Strength In Numbers 0 + Cross Border Coverage 0 k+ Families Protected Client Support 0 \/ 7<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_canvas","meta":{"footnotes":""},"class_list":["post-11826","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/mutuallife.africa\/uk\/wp-json\/wp\/v2\/pages\/11826","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/mutuallife.africa\/uk\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/mutuallife.africa\/uk\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/mutuallife.africa\/uk\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/mutuallife.africa\/uk\/wp-json\/wp\/v2\/comments?post=11826"}],"version-history":[{"count":0,"href":"https:\/\/mutuallife.africa\/uk\/wp-json\/wp\/v2\/pages\/11826\/revisions"}],"wp:attachment":[{"href":"https:\/\/mutuallife.africa\/uk\/wp-json\/wp\/v2\/media?parent=11826"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}