{"id":13194,"date":"2026-05-10T14:56:00","date_gmt":"2026-05-10T12:56:00","guid":{"rendered":"https:\/\/mutuallife.africa\/?page_id=13058"},"modified":"2026-05-28T17:39:00","modified_gmt":"2026-05-28T17:39:00","slug":"group-funeral-cover","status":"publish","type":"page","link":"https:\/\/mutuallife.africa\/za\/group-funeral-cover\/","title":{"rendered":"Group Funeral Cover"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"13194\" class=\"elementor elementor-13194\">\n\t\t\t\t<div class=\"elementor-element elementor-element-60f8c0b7 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=\"60f8c0b7\" 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-3306b3eb 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=\"3306b3eb\" 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-24bc3976 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=\"24bc3976\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-66e023e5 wpr-fancy-text-slide wpr-advanced-text-style-animated wpr-animated-text-infinite-yes elementor-widget elementor-widget-wpr-advanced-text\" data-id=\"66e023e5\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&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\">Group Funeral Cover <\/span>\n\t\t\t\n\t\t<span class=\"wpr-anim-text wpr-anim-text-type-slide\" data-anim-duration=\"2000,3000\" 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-58132d06 elementor-widget elementor-widget-text-editor\" data-id=\"58132d06\" 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>Mutual Life Africa provides affordable group funeral cover in South Africa for companies, churches, organisations, associations, cooperatives, diaspora communities, and cross-border groups.<\/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\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-57085de 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=\"57085de\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-10f3543 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=\"10f3543\" 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-ed4ac75 elementor-widget elementor-widget-heading\" data-id=\"ed4ac75\" 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\">Group Funeral Cover is designed for organisations and large groups<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9d303ac elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"9d303ac\" 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>Designed for groups of 100 to 1,000 members, our international funeral cover solutions provide scalable protection, cross-border family support, multicurrency flexibility, and reliable claims administration across Africa and global markets.<\/p><p>Mutual Life Africa Multicurrency Group Funeral Cover is designed for organisations and large groups requiring reliable funeral protection across multiple countries, currencies, and regions.<\/p><p>Structured for groups ranging from 100 to 1,000 members, our solutions support African businesses, diaspora associations, churches, transport groups, employers, investment communities, professional networks, and internationally connected organisations seeking scalable funeral cover with multicurrency accessibility.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-42f3d12 e-grid e-con-full 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=\"42f3d12\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-24de0b0 elementor-widget elementor-widget-counter\" data-id=\"24de0b0\" 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<div class=\"elementor-counter-title\">Cross-border<\/div>\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=\"100\" 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\t\t<div class=\"elementor-element elementor-element-4a4bf60 elementor-widget elementor-widget-counter\" data-id=\"4a4bf60\" 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<div class=\"elementor-counter-title\">Covered Countries<\/div>\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=\"94\" 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\t\t<div class=\"elementor-element elementor-element-223a076 elementor-widget elementor-widget-counter\" data-id=\"223a076\" 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<div class=\"elementor-counter-title\">African Nationalities<\/div>\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=\"54\" 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\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8334b89 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=\"8334b89\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;slideInRight&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1a277ca elementor-widget elementor-widget-image\" data-id=\"1a277ca\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1600\" height=\"1021\" src=\"https:\/\/mutuallife.africa\/za\/wp-content\/uploads\/sites\/22\/2026\/05\/Group-Cover-Mutual-Life-Africa.jpg\" class=\"attachment-full size-full wp-image-12767\" alt=\"Mutual Life Africa - Group Cover\" srcset=\"https:\/\/mutuallife.africa\/za\/wp-content\/uploads\/sites\/22\/2026\/05\/Group-Cover-Mutual-Life-Africa.jpg 1600w, https:\/\/mutuallife.africa\/za\/wp-content\/uploads\/sites\/22\/2026\/05\/Group-Cover-Mutual-Life-Africa-300x191.jpg 300w, https:\/\/mutuallife.africa\/za\/wp-content\/uploads\/sites\/22\/2026\/05\/Group-Cover-Mutual-Life-Africa-1024x653.jpg 1024w, https:\/\/mutuallife.africa\/za\/wp-content\/uploads\/sites\/22\/2026\/05\/Group-Cover-Mutual-Life-Africa-768x490.jpg 768w, https:\/\/mutuallife.africa\/za\/wp-content\/uploads\/sites\/22\/2026\/05\/Group-Cover-Mutual-Life-Africa-1536x980.jpg 1536w\" sizes=\"(max-width: 1600px) 100vw, 1600px\" \/>\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-f5bf85b 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-parent\" data-id=\"f5bf85b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeIn&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-d1c3753 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=\"d1c3753\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-b095faf 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=\"b095faf\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c0ed65b elementor-widget elementor-widget-image\" data-id=\"c0ed65b\" data-element_type=\"widget\" data-e-type=\"widget\" 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\/wp-content\/uploads\/2025\/11\/Mutual-Life-Africa.png\" title=\"\" alt=\"Mutual Life Africa\" 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<div class=\"elementor-element elementor-element-a14398e 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=\"a14398e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2cbdbb6 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"2cbdbb6\" 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<div class=\"elementor-element elementor-element-df790da 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=\"df790da\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-49db095 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=\"49db095\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d7e9e8d elementor-widget elementor-widget-heading\" data-id=\"d7e9e8d\" 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\">What We Do<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2bcddf2 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=\"2bcddf2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-14fe5e7 elementor-widget elementor-widget-text-editor\" data-id=\"14fe5e7\" 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>We provide scalable multicurrency funeral cover solutions for established groups and organisations requiring structured member protection across multiple countries and regions.<\/p><p>Our solutions are designed for institutions and communities seeking accessible funeral cover with cross-border flexibility, international beneficiary support, and simplified group policy administration.<\/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\t\t<div class=\"elementor-element elementor-element-291bd38 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"291bd38\" 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<div class=\"elementor-element elementor-element-1240e7d 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=\"1240e7d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-1a2df0a 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=\"1a2df0a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-87d562f elementor-widget elementor-widget-heading\" data-id=\"87d562f\" 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\">What We Offer<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a880676 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=\"a880676\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f87e73b elementor-widget elementor-widget-text-editor\" data-id=\"f87e73b\" 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>Our Group Funeral Cover provides flexible protection options in USD, GBP, EUR, and ZAR for groups with 100 to 1,000 members.<\/p><p>Cover structures can support employees, association members, church communities, diaspora groups, transport unions, and cross-border organisations with practical funeral protection designed around large-scale administration and internationally connected member bases.<\/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\t\t<div class=\"elementor-element elementor-element-9209d15 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"9209d15\" 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<div class=\"elementor-element elementor-element-df4aa78 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=\"df4aa78\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-97896ce 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=\"97896ce\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6706615 elementor-widget elementor-widget-heading\" data-id=\"6706615\" 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\">Why Organisations Choose Us<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-22615ed 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=\"22615ed\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c2db73e elementor-widget elementor-widget-text-editor\" data-id=\"c2db73e\" 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>Organisations choose Mutual Life Africa because we understand the realities of managing large African communities and cross-border member structures.<\/p><p>Our solutions are built to provide reliable funeral protection that works across countries, currencies, and family networks while maintaining simple administration, dependable support, and scalable long-term accessibility for growing groups and institutions.<\/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\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8993853 e-flex e-con-boxed 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=\"8993853\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-68bf425 elementor-widget-mobile__width-inherit elementor-widget elementor-widget-html\" data-id=\"68bf425\" 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&family=Oswald:wght@500;600&display=swap\" rel=\"stylesheet\">\r\n<style>\r\n*{box-sizing:border-box;margin:0;padding:0}\r\n:root{\r\n  --navy:#1A237E;\r\n  --gold:#C9A84C;\r\n  --black:#000000;\r\n  --white:#ffffff;\r\n  --off:#f4f4f7;\r\n  --border:#e0e0ea;\r\n  --muted:rgba(0,0,0,0.45);\r\n  --syne:'Syne',sans-serif;\r\n  --phil:'Philosopher',serif;\r\n  --oswald:'Oswald',sans-serif;\r\n}\r\n\r\n\/* \u2500\u2500 OUTER SHELL \u2500\u2500 *\/\r\n.gqw{padding:3.5rem 1.5rem;background:var(--off);font-family:var(--phil)}\r\n\r\n\/* \u2500\u2500 HERO BANNER \u2500\u2500 *\/\r\n.gqw-hero{\r\n  max-width:680px;margin:0 auto 0;\r\n  background:var(--navy);\r\n  border-radius:24px 24px 0 0;\r\n  padding:2.2rem 2.5rem 1.8rem;\r\n  position:relative;overflow:hidden;\r\n}\r\n.gqw-hero::before{\r\n  content:'';position:absolute;inset:0;\r\n  background:\r\n    radial-gradient(ellipse 60% 80% at 90% -10%, rgba(201,168,76,0.18) 0%, transparent 65%),\r\n    radial-gradient(ellipse 40% 60% at -10% 110%, rgba(255,255,255,0.06) 0%, transparent 60%);\r\n  pointer-events:none;\r\n}\r\n.gqw-hero-badge{\r\n  display:inline-flex;align-items:center;gap:8px;\r\n  background:rgba(201,168,76,0.15);\r\n  border:1px solid rgba(201,168,76,0.35);\r\n  border-radius:30px;padding:0.3rem 1rem;\r\n  font-family:var(--phil);font-size:11px;\r\n  color:var(--gold);letter-spacing:2px;text-transform:uppercase;\r\n  margin-bottom:1.1rem;position:relative;z-index:1;\r\n}\r\n.gqw-hero-badge::before{\r\n  content:'';width:6px;height:6px;border-radius:50%;\r\n  background:var(--gold);\r\n  animation:gqPulse 1.8s ease-in-out infinite;\r\n}\r\n@keyframes gqPulse{0%,100%{opacity:1;transform:scale(1)}50%{opacity:0.5;transform:scale(0.7)}}\r\n\r\n.gqw-hero-title{\r\n  font-family:var(--syne);font-weight:700;\r\n  font-size:clamp(1.5rem,3vw,2.1rem);\r\n  color:var(--white);line-height:1.15;\r\n  margin-bottom:0.5rem;position:relative;z-index:1;\r\n}\r\n.gqw-hero-title span{color:var(--gold)}\r\n.gqw-hero-sub{\r\n  font-family:var(--phil);font-size:14px;\r\n  color:rgba(255,255,255,0.6);line-height:1.6;\r\n  position:relative;z-index:1;max-width:480px;\r\n}\r\n.gqw-hero-pills{\r\n  display:flex;flex-wrap:wrap;gap:8px;\r\n  margin-top:1.3rem;position:relative;z-index:1;\r\n}\r\n.gqw-hero-pill{\r\n  display:flex;align-items:center;gap:5px;\r\n  background:rgba(255,255,255,0.07);\r\n  border:1px solid rgba(255,255,255,0.12);\r\n  border-radius:20px;padding:0.25rem 0.75rem;\r\n  font-family:var(--phil);font-size:11px;color:rgba(255,255,255,0.7);\r\n}\r\n.gqw-hero-pill span{font-size:13px}\r\n\r\n\/* \u2500\u2500 CARD \u2500\u2500 *\/\r\n.gqw-card{\r\n  max-width:680px;margin:0 auto;\r\n  background:var(--white);\r\n  border:1px solid var(--border);\r\n  border-top:none;\r\n  border-radius:0 0 24px 24px;\r\n  padding:0;\r\n  box-shadow:0 12px 48px rgba(26,35,126,0.1);\r\n  overflow:hidden;\r\n}\r\n\r\n\/* \u2500\u2500 STEP TRACK \u2500\u2500 *\/\r\n.gqw-track{\r\n  display:flex;align-items:center;\r\n  padding:1.4rem 2.5rem;\r\n  border-bottom:1px solid var(--border);\r\n  gap:0;\r\n}\r\n.gqw-track-step{\r\n  display:flex;align-items:center;gap:8px;flex:1;\r\n}\r\n.gqw-track-step:last-child{flex:none}\r\n.gqw-track-dot{\r\n  width:28px;height:28px;border-radius:50%;\r\n  border:2px solid var(--border);\r\n  display:flex;align-items:center;justify-content:center;\r\n  font-family:var(--oswald);font-size:11px;font-weight:600;\r\n  color:var(--muted);background:var(--white);\r\n  transition:all 0.35s ease;flex-shrink:0;\r\n}\r\n.gqw-track-step.done .gqw-track-dot{\r\n  background:var(--navy);border-color:var(--navy);color:var(--white);\r\n}\r\n.gqw-track-step.active .gqw-track-dot{\r\n  background:var(--gold);border-color:var(--gold);color:var(--white);\r\n  box-shadow:0 0 0 4px rgba(201,168,76,0.2);\r\n}\r\n.gqw-track-label{\r\n  font-family:var(--phil);font-size:11px;color:var(--muted);\r\n  transition:color 0.3s;white-space:nowrap;\r\n}\r\n.gqw-track-step.active .gqw-track-label{color:var(--navy);font-weight:700}\r\n.gqw-track-step.done .gqw-track-label{color:var(--navy)}\r\n.gqw-track-line{\r\n  flex:1;height:1px;background:var(--border);\r\n  margin:0 0.5rem;transition:background 0.4s;\r\n}\r\n.gqw-track-line.done{background:var(--navy)}\r\n\r\n\/* \u2500\u2500 STEP CONTENT \u2500\u2500 *\/\r\n.gqw-body{padding:2.2rem 2.5rem}\r\n\r\n.gqw-step{display:none}\r\n.gqw-step.active{display:block}\r\n\r\n\/* ANIMATED SLIDE TRANSITIONS *\/\r\n.gqw-step.slide-in{animation:gqSlideIn 0.38s cubic-bezier(0.22,1,0.36,1) forwards}\r\n.gqw-step.slide-out{animation:gqSlideOut 0.22s ease-in forwards}\r\n@keyframes gqSlideIn{from{opacity:0;transform:translateX(28px)}to{opacity:1;transform:translateX(0)}}\r\n@keyframes gqSlideOut{from{opacity:1;transform:translateX(0)}to{opacity:0;transform:translateX(-28px)}}\r\n.gqw-step.slide-back-in{animation:gqSlideBackIn 0.38s cubic-bezier(0.22,1,0.36,1) forwards}\r\n@keyframes gqSlideBackIn{from{opacity:0;transform:translateX(-28px)}to{opacity:1;transform:translateX(0)}}\r\n\r\n.gqw-step-eyebrow{\r\n  font-family:var(--phil);font-size:10px;text-transform:uppercase;\r\n  letter-spacing:2.5px;color:var(--gold);margin-bottom:0.5rem;\r\n}\r\n.gqw-step-title{\r\n  font-family:var(--syne);font-weight:700;\r\n  font-size:1.25rem;color:var(--navy);\r\n  line-height:1.2;margin-bottom:0.4rem;\r\n}\r\n.gqw-step-sub{\r\n  font-family:var(--phil);font-size:13px;\r\n  color:var(--muted);line-height:1.6;margin-bottom:1.6rem;\r\n}\r\n\r\n\/* \u2500\u2500 CURRENCY FLAGS \u2500\u2500 *\/\r\n.gqw-cur-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-bottom:1.6rem}\r\n.gqw-cur-btn{\r\n  border:2px solid var(--border);border-radius:14px;\r\n  background:var(--white);cursor:pointer;\r\n  padding:1.1rem 1.2rem;\r\n  display:flex;align-items:center;gap:13px;\r\n  transition:all 0.22s ease;text-align:left;\r\n  position:relative;overflow:hidden;\r\n}\r\n.gqw-cur-btn::after{\r\n  content:'';position:absolute;inset:0;\r\n  background:var(--navy);opacity:0;\r\n  transition:opacity 0.2s;\r\n}\r\n.gqw-cur-btn:hover{border-color:var(--navy);transform:translateY(-2px);box-shadow:0 6px 20px rgba(26,35,126,0.12)}\r\n.gqw-cur-btn.sel{\r\n  border-color:var(--navy);\r\n  background:var(--navy);\r\n  transform:translateY(-2px);\r\n  box-shadow:0 8px 24px rgba(26,35,126,0.22);\r\n}\r\n.gqw-cur-flag{\r\n  font-size:28px;line-height:1;\r\n  transition:transform 0.25s ease;\r\n  flex-shrink:0;\r\n}\r\n.gqw-cur-btn:hover .gqw-cur-flag,\r\n.gqw-cur-btn.sel .gqw-cur-flag{transform:scale(1.15)}\r\n.gqw-cur-info{flex:1;position:relative;z-index:1}\r\n.gqw-cur-code{\r\n  font-family:var(--oswald);font-weight:600;font-size:17px;\r\n  color:var(--navy);transition:color 0.2s;line-height:1;\r\n}\r\n.gqw-cur-name{\r\n  font-family:var(--phil);font-size:11px;\r\n  color:var(--muted);margin-top:2px;transition:color 0.2s;\r\n}\r\n.gqw-cur-rate{\r\n  font-family:var(--oswald);font-weight:600;font-size:13px;\r\n  color:rgba(26,35,126,0.5);transition:color 0.2s;margin-top:3px;\r\n}\r\n.gqw-cur-btn.sel .gqw-cur-code,\r\n.gqw-cur-btn.sel .gqw-cur-name,\r\n.gqw-cur-btn.sel .gqw-cur-rate{color:var(--white)}\r\n.gqw-cur-btn.sel .gqw-cur-name{color:rgba(255,255,255,0.6)}\r\n.gqw-cur-btn.sel .gqw-cur-rate{color:var(--gold)}\r\n.gqw-cur-check{\r\n  width:18px;height:18px;border-radius:50%;\r\n  border:2px solid var(--border);\r\n  flex-shrink:0;position:relative;z-index:1;\r\n  transition:all 0.2s;display:flex;align-items:center;justify-content:center;\r\n}\r\n.gqw-cur-btn.sel .gqw-cur-check{\r\n  background:var(--gold);border-color:var(--gold);\r\n}\r\n.gqw-cur-btn.sel .gqw-cur-check::after{\r\n  content:'\u2713';font-size:10px;color:var(--white);font-weight:700;\r\n}\r\n\r\n\/* \u2500\u2500 MEMBER SLIDER \u2500\u2500 *\/\r\n.gqw-mem-display{\r\n  text-align:center;\r\n  padding:1.2rem;\r\n  background:rgba(26,35,126,0.04);\r\n  border:1.5px solid var(--border);\r\n  border-radius:14px;\r\n  margin-bottom:1.2rem;\r\n}\r\n.gqw-mem-num{\r\n  font-family:var(--oswald);font-weight:600;\r\n  font-size:3rem;color:var(--navy);line-height:1;\r\n  transition:all 0.2s;\r\n}\r\n.gqw-mem-unit{\r\n  font-family:var(--phil);font-size:12px;\r\n  color:var(--muted);margin-top:3px;\r\n}\r\n\r\n.gqw-slider{\r\n  -webkit-appearance:none;appearance:none;\r\n  width:100%;height:5px;border-radius:5px;\r\n  background:linear-gradient(to right, var(--navy) 0%, var(--navy) 0%, var(--border) 0%);\r\n  outline:none;cursor:pointer;margin-bottom:0.5rem;\r\n  transition:background 0.1s;\r\n}\r\n.gqw-slider::-webkit-slider-thumb{\r\n  -webkit-appearance:none;appearance:none;\r\n  width:22px;height:22px;border-radius:50%;\r\n  background:var(--navy);cursor:pointer;\r\n  border:3px solid var(--white);\r\n  box-shadow:0 2px 10px rgba(26,35,126,0.35);\r\n  transition:transform 0.15s,box-shadow 0.15s;\r\n}\r\n.gqw-slider::-webkit-slider-thumb:hover{\r\n  transform:scale(1.2);\r\n  box-shadow:0 4px 16px rgba(26,35,126,0.4);\r\n}\r\n.gqw-slider::-moz-range-thumb{\r\n  width:22px;height:22px;border-radius:50%;\r\n  background:var(--navy);cursor:pointer;\r\n  border:3px solid var(--white);\r\n  box-shadow:0 2px 10px rgba(26,35,126,0.35);\r\n}\r\n.gqw-ticks{\r\n  display:flex;justify-content:space-between;\r\n  font-family:var(--phil);font-size:10px;color:var(--muted);\r\n  padding:0 3px;margin-bottom:1rem;\r\n}\r\n.gqw-exact-row{\r\n  display:flex;align-items:center;gap:10px;margin-bottom:1.6rem;\r\n}\r\n.gqw-exact-label{font-family:var(--phil);font-size:12px;color:var(--muted);white-space:nowrap}\r\n.gqw-exact-input{\r\n  width:90px;padding:0.5rem 0.8rem;\r\n  border:2px solid var(--border);border-radius:8px;\r\n  font-family:var(--oswald);font-weight:600;font-size:15px;\r\n  color:var(--navy);background:var(--white);\r\n  text-align:center;outline:none;transition:border 0.18s;\r\n}\r\n.gqw-exact-input:focus{border-color:var(--navy)}\r\n\r\n\/* \u2500\u2500 LIVE CALC PANEL \u2500\u2500 *\/\r\n.gqw-calc{\r\n  background:var(--navy);border-radius:16px;\r\n  padding:1.4rem 1.6rem;\r\n  position:relative;overflow:hidden;\r\n}\r\n.gqw-calc::before{\r\n  content:'';position:absolute;\r\n  top:-40px;right:-40px;width:160px;height:160px;\r\n  border-radius:50%;background:rgba(201,168,76,0.1);\r\n  pointer-events:none;\r\n}\r\n.gqw-calc::after{\r\n  content:'';position:absolute;\r\n  bottom:-30px;left:-30px;width:100px;height:100px;\r\n  border-radius:50%;background:rgba(255,255,255,0.04);\r\n  pointer-events:none;\r\n}\r\n.gqw-calc-header{\r\n  display:flex;justify-content:space-between;align-items:center;\r\n  margin-bottom:1rem;position:relative;z-index:1;\r\n}\r\n.gqw-calc-cur{\r\n  font-family:var(--phil);font-size:10px;text-transform:uppercase;\r\n  letter-spacing:2px;color:rgba(255,255,255,0.4);\r\n}\r\n.gqw-calc-cur-val{\r\n  font-family:var(--oswald);font-weight:600;font-size:12px;\r\n  color:var(--gold);letter-spacing:1px;\r\n}\r\n.gqw-calc-rows{\r\n  display:flex;flex-direction:column;gap:0.5rem;\r\n  margin-bottom:1rem;position:relative;z-index:1;\r\n}\r\n.gqw-calc-row{display:flex;justify-content:space-between;align-items:baseline}\r\n.gqw-calc-rl{font-family:var(--phil);font-size:12px;color:rgba(255,255,255,0.45)}\r\n.gqw-calc-rv{\r\n  font-family:var(--oswald);font-weight:500;font-size:12px;\r\n  color:rgba(255,255,255,0.85);\r\n  transition:all 0.25s ease;\r\n}\r\n.gqw-calc-rv.flash{color:var(--gold)}\r\n.gqw-calc-div{height:1px;background:rgba(255,255,255,0.09);margin:0.9rem 0;position:relative;z-index:1}\r\n.gqw-calc-totals{display:grid;grid-template-columns:1fr 1fr;gap:1rem;position:relative;z-index:1}\r\n.gqw-calc-tl{\r\n  font-family:var(--phil);font-size:10px;text-transform:uppercase;\r\n  letter-spacing:1.5px;color:rgba(255,255,255,0.35);margin-bottom:0.25rem;\r\n}\r\n.gqw-calc-tv{\r\n  font-family:var(--oswald);font-weight:600;font-size:1.7rem;\r\n  color:var(--gold);line-height:1;\r\n  transition:all 0.25s ease;\r\n}\r\n.gqw-calc-tv sup{font-size:0.8rem;vertical-align:top;margin-top:0.1rem;display:inline-block}\r\n.gqw-calc-tv sub{\r\n  font-family:var(--phil);font-weight:400;font-size:10px;\r\n  color:rgba(255,255,255,0.28);margin-left:2px;\r\n}\r\n\r\n\/* \u2500\u2500 QUOTE RESULT \u2500\u2500 *\/\r\n.gqw-result{\r\n  background:var(--navy);border-radius:16px;\r\n  padding:1.8rem;margin-bottom:1.6rem;\r\n  position:relative;overflow:hidden;\r\n}\r\n.gqw-result::before{\r\n  content:'';position:absolute;\r\n  top:-50px;right:-50px;width:200px;height:200px;\r\n  border-radius:50%;background:rgba(201,168,76,0.12);\r\n  pointer-events:none;\r\n  animation:gqRotateBlob 12s linear infinite;\r\n}\r\n@keyframes gqRotateBlob{from{transform:rotate(0deg) translate(10px)}to{transform:rotate(360deg) translate(10px)}}\r\n.gqw-result-badge{\r\n  display:inline-flex;align-items:center;gap:6px;\r\n  background:rgba(201,168,76,0.18);\r\n  border:1px solid rgba(201,168,76,0.35);\r\n  border-radius:20px;padding:0.2rem 0.75rem;\r\n  font-family:var(--phil);font-size:10px;\r\n  color:var(--gold);letter-spacing:1.5px;text-transform:uppercase;\r\n  margin-bottom:1rem;position:relative;z-index:1;\r\n}\r\n.gqw-result-rows{\r\n  display:flex;flex-direction:column;gap:0.65rem;\r\n  margin-bottom:1.2rem;position:relative;z-index:1;\r\n}\r\n.gqw-result-row{\r\n  display:flex;justify-content:space-between;align-items:baseline;gap:1rem;\r\n}\r\n.gqw-result-rl{font-family:var(--phil);font-size:12px;color:rgba(255,255,255,0.45);flex-shrink:0}\r\n.gqw-result-rv{\r\n  font-family:var(--oswald);font-weight:500;font-size:13px;\r\n  color:rgba(255,255,255,0.9);text-align:right;\r\n}\r\n.gqw-result-div{height:1px;background:rgba(255,255,255,0.09);margin:1rem 0;position:relative;z-index:1}\r\n.gqw-result-totals{\r\n  display:grid;grid-template-columns:1fr 1fr;gap:1rem;\r\n  position:relative;z-index:1;\r\n}\r\n.gqw-result-tl{\r\n  font-family:var(--phil);font-size:10px;text-transform:uppercase;\r\n  letter-spacing:1.5px;color:rgba(255,255,255,0.35);margin-bottom:0.25rem;\r\n}\r\n.gqw-result-tv{\r\n  font-family:var(--oswald);font-weight:600;font-size:2rem;\r\n  color:var(--gold);line-height:1;\r\n}\r\n.gqw-result-tv sup{font-size:0.85rem;vertical-align:top;margin-top:0.15rem;display:inline-block}\r\n.gqw-result-tv sub{\r\n  font-family:var(--phil);font-weight:400;font-size:10px;\r\n  color:rgba(255,255,255,0.28);margin-left:2px;\r\n}\r\n.gqw-result-enter{\r\n  animation:gqResultIn 0.5s cubic-bezier(0.22,1,0.36,1) forwards;\r\n}\r\n@keyframes gqResultIn{\r\n  from{opacity:0;transform:scale(0.96) translateY(12px)}\r\n  to{opacity:1;transform:scale(1) translateY(0)}\r\n}\r\n\r\n\/* \u2500\u2500 BUTTONS \u2500\u2500 *\/\r\n.gqw-btn{\r\n  width:100%;padding:0.9rem;\r\n  background:var(--navy);color:var(--white);\r\n  border:none;border-radius:12px;cursor:pointer;\r\n  font-family:var(--syne);font-weight:700;font-size:14px;\r\n  transition:all 0.22s;\r\n}\r\n.gqw-btn:hover:not(:disabled){background:#1e2d9e;transform:translateY(-2px);box-shadow:0 8px 24px rgba(26,35,126,0.25)}\r\n.gqw-btn:disabled{opacity:0.25;cursor:not-allowed;transform:none;box-shadow:none}\r\n.gqw-cta{\r\n  width:100%;padding:1rem;\r\n  background:var(--gold);color:var(--white);\r\n  border:none;border-radius:12px;cursor:pointer;\r\n  font-family:var(--syne);font-weight:700;font-size:15px;\r\n  transition:all 0.22s;margin-bottom:10px;\r\n  letter-spacing:0.2px;\r\n}\r\n.gqw-cta:hover{background:#d4a84c;transform:translateY(-2px);box-shadow:0 8px 24px rgba(201,168,76,0.35)}\r\n.gqw-adj{\r\n  width:100%;padding:0.8rem;\r\n  background:transparent;color:var(--muted);\r\n  border:1.5px solid var(--border);border-radius:12px;\r\n  cursor:pointer;font-family:var(--phil);font-size:13px;\r\n  transition:all 0.2s;\r\n}\r\n.gqw-adj:hover{border-color:var(--navy);color:var(--navy)}\r\n\r\n.gqw-foot{\r\n  text-align:center;margin-top:1.2rem;\r\n  font-family:var(--phil);font-size:11px;\r\n  color:var(--muted);line-height:1.6;\r\n}\r\n.gqw-foot a{color:var(--navy);text-decoration:none}\r\n.gqw-foot a:hover{text-decoration:underline}\r\n\r\n\/* \u2500\u2500 FOOTER BAR \u2500\u2500 *\/\r\n.gqw-footer{\r\n  max-width:680px;margin:0 auto;\r\n  background:rgba(26,35,126,0.05);\r\n  border:1px solid var(--border);border-top:none;\r\n  border-radius:0 0 24px 24px;\r\n  padding:1rem 2.5rem;\r\n  display:flex;align-items:center;justify-content:space-between;\r\n  flex-wrap:wrap;gap:0.5rem;\r\n}\r\n.gqw-footer-item{\r\n  display:flex;align-items:center;gap:6px;\r\n  font-family:var(--phil);font-size:11px;color:var(--muted);\r\n}\r\n.gqw-footer-item span{font-size:13px}\r\n\r\n@media(max-width:600px){\r\n  .gqw-hero,.gqw-card,.gqw-footer{max-width:100%}\r\n  .gqw-hero{padding:1.8rem 1.5rem 1.5rem;border-radius:18px 18px 0 0}\r\n  .gqw-body{padding:1.8rem 1.5rem}\r\n  .gqw-track{padding:1.2rem 1.5rem}\r\n  .gqw-track-label{display:none}\r\n  .gqw-cur-grid{grid-template-columns:1fr 1fr}\r\n  .gqw-result-tv{font-size:1.6rem}\r\n  .gqw-footer{padding:0.9rem 1.5rem}\r\n}\r\n<\/style>\r\n\r\n<div class=\"gqw\">\r\n\r\n  <!-- HERO -->\r\n  <div class=\"gqw-hero\">\r\n    <div class=\"gqw-hero-badge\">Get an instant quote<\/div>\r\n    <div class=\"gqw-hero-title\">Group Funeral Cover<br><span>Calculate your premium in 60 seconds<\/span><\/div>\r\n    <div class=\"gqw-hero-sub\">Select your currency, enter your group size, and get a guaranteed quote. No forms, no waiting, no sales calls.<\/div>\r\n    <div class=\"gqw-hero-pills\">\r\n      <div class=\"gqw-hero-pill\"><span>\ud83d\udee1\ufe0f<\/span> Per member pricing<\/div>\r\n      <div class=\"gqw-hero-pill\"><span>\u26a1<\/span> Instant quote<\/div>\r\n      <div class=\"gqw-hero-pill\"><span>\u2705<\/span> No medical checks<\/div>\r\n      <div class=\"gqw-hero-pill\"><span>\ud83c\udf0d<\/span> 100\u20131,000 members<\/div>\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <!-- CARD -->\r\n  <div class=\"gqw-card\" id=\"gqwCard\">\r\n\r\n    <!-- STEP TRACK -->\r\n    <div class=\"gqw-track\">\r\n      <div class=\"gqw-track-step active\" id=\"gqwTs1\">\r\n        <div class=\"gqw-track-dot\">1<\/div>\r\n        <span class=\"gqw-track-label\">Currency<\/span>\r\n      <\/div>\r\n      <div class=\"gqw-track-line\" id=\"gqwTl1\"><\/div>\r\n      <div class=\"gqw-track-step\" id=\"gqwTs2\">\r\n        <div class=\"gqw-track-dot\">2<\/div>\r\n        <span class=\"gqw-track-label\">Group size<\/span>\r\n      <\/div>\r\n      <div class=\"gqw-track-line\" id=\"gqwTl2\"><\/div>\r\n      <div class=\"gqw-track-step\" id=\"gqwTs3\">\r\n        <div class=\"gqw-track-dot\">3<\/div>\r\n        <span class=\"gqw-track-label\">Your quote<\/span>\r\n      <\/div>\r\n    <\/div>\r\n\r\n    <!-- BODY -->\r\n    <div class=\"gqw-body\" id=\"gqwBody\">\r\n\r\n      <!-- STEP 1: CURRENCY -->\r\n      <div class=\"gqw-step active slide-in\" id=\"gqwS1\">\r\n        <div class=\"gqw-step-eyebrow\">Step 1 of 3<\/div>\r\n        <div class=\"gqw-step-title\">What currency do you want to pay in?<\/div>\r\n        <div class=\"gqw-step-sub\">Premiums and payouts will be in this currency. Each plan is independently underwritten \u2014 no cross-currency conversion applied.<\/div>\r\n        <div class=\"gqw-cur-grid\">\r\n          <button class=\"gqw-cur-btn\" onclick=\"gqwSelCur('USD','$',this)\">\r\n            <span class=\"gqw-cur-flag\">\ud83c\uddfa\ud83c\uddf8<\/span>\r\n            <div class=\"gqw-cur-info\">\r\n              <div class=\"gqw-cur-code\">USD<\/div>\r\n              <div class=\"gqw-cur-name\">US Dollar<\/div>\r\n              <div class=\"gqw-cur-rate\">$4.99 \/ member \/ mo<\/div>\r\n            <\/div>\r\n            <div class=\"gqw-cur-check\"><\/div>\r\n          <\/button>\r\n          <button class=\"gqw-cur-btn\" onclick=\"gqwSelCur('GBP','\u00a3',this)\">\r\n            <span class=\"gqw-cur-flag\">\ud83c\uddec\ud83c\udde7<\/span>\r\n            <div class=\"gqw-cur-info\">\r\n              <div class=\"gqw-cur-code\">GBP<\/div>\r\n              <div class=\"gqw-cur-name\">British Pound<\/div>\r\n              <div class=\"gqw-cur-rate\">\u00a34.99 \/ member \/ mo<\/div>\r\n            <\/div>\r\n            <div class=\"gqw-cur-check\"><\/div>\r\n          <\/button>\r\n          <button class=\"gqw-cur-btn\" onclick=\"gqwSelCur('EUR','\u20ac',this)\">\r\n            <span class=\"gqw-cur-flag\">\ud83c\uddea\ud83c\uddfa<\/span>\r\n            <div class=\"gqw-cur-info\">\r\n              <div class=\"gqw-cur-code\">EUR<\/div>\r\n              <div class=\"gqw-cur-name\">Euro<\/div>\r\n              <div class=\"gqw-cur-rate\">\u20ac4.99 \/ member \/ mo<\/div>\r\n            <\/div>\r\n            <div class=\"gqw-cur-check\"><\/div>\r\n          <\/button>\r\n          <button class=\"gqw-cur-btn\" onclick=\"gqwSelCur('ZAR','R',this)\">\r\n            <span class=\"gqw-cur-flag\">\ud83c\uddff\ud83c\udde6<\/span>\r\n            <div class=\"gqw-cur-info\">\r\n              <div class=\"gqw-cur-code\">ZAR<\/div>\r\n              <div class=\"gqw-cur-name\">South African Rand<\/div>\r\n              <div class=\"gqw-cur-rate\">R50 \/ member \/ mo<\/div>\r\n            <\/div>\r\n            <div class=\"gqw-cur-check\"><\/div>\r\n          <\/button>\r\n        <\/div>\r\n        <button class=\"gqw-btn\" id=\"gqwN1\" disabled onclick=\"gqwGo(2,false)\">Continue to Group Size \u2192<\/button>\r\n      <\/div>\r\n\r\n      <!-- STEP 2: MEMBERS -->\r\n      <div class=\"gqw-step\" id=\"gqwS2\">\r\n        <div class=\"gqw-step-eyebrow\">Step 2 of 3<\/div>\r\n        <div class=\"gqw-step-title\">How many members are in your group?<\/div>\r\n        <div class=\"gqw-step-sub\">One flat rate per member. Minimum 100. Maximum 1,000 per policy.<\/div>\r\n\r\n        <div class=\"gqw-mem-display\">\r\n          <div class=\"gqw-mem-num\" id=\"gqwMemNum\">100<\/div>\r\n          <div class=\"gqw-mem-unit\">members in your group<\/div>\r\n        <\/div>\r\n        <input type=\"range\" class=\"gqw-slider\" id=\"gqwSlider\" min=\"100\" max=\"1000\" step=\"10\" value=\"100\" oninput=\"gqwUpdMem(this.value)\">\r\n        <div class=\"gqw-ticks\"><span>100<\/span><span>250<\/span><span>500<\/span><span>750<\/span><span>1,000<\/span><\/div>\r\n        <div class=\"gqw-exact-row\">\r\n          <span class=\"gqw-exact-label\">Enter exact number:<\/span>\r\n          <input type=\"number\" class=\"gqw-exact-input\" id=\"gqwExact\" min=\"100\" max=\"1000\" value=\"100\" oninput=\"gqwSyncEx(this.value)\">\r\n        <\/div>\r\n\r\n        <div class=\"gqw-calc\">\r\n          <div class=\"gqw-calc-header\">\r\n            <span class=\"gqw-calc-cur\">Live calculation<\/span>\r\n            <span class=\"gqw-calc-cur-val\" id=\"gqwCalcCur\">\u2014<\/span>\r\n          <\/div>\r\n          <div class=\"gqw-calc-rows\">\r\n            <div class=\"gqw-calc-row\"><span class=\"gqw-calc-rl\">Members<\/span><span class=\"gqw-calc-rv\" id=\"gqwCalcMem\">\u2014<\/span><\/div>\r\n            <div class=\"gqw-calc-row\"><span class=\"gqw-calc-rl\">Cover per member<\/span><span class=\"gqw-calc-rv\" id=\"gqwCalcCov\">\u2014<\/span><\/div>\r\n            <div class=\"gqw-calc-row\"><span class=\"gqw-calc-rl\">Rate per member<\/span><span class=\"gqw-calc-rv\" id=\"gqwCalcRate\">\u2014<\/span><\/div>\r\n          <\/div>\r\n          <div class=\"gqw-calc-div\"><\/div>\r\n          <div class=\"gqw-calc-totals\">\r\n            <div>\r\n              <div class=\"gqw-calc-tl\">Monthly total<\/div>\r\n              <div class=\"gqw-calc-tv\"><sup id=\"gqwCS1\">$<\/sup><span id=\"gqwCMo\">\u2014<\/span><sub>\/mo<\/sub><\/div>\r\n            <\/div>\r\n            <div>\r\n              <div class=\"gqw-calc-tl\">Annual total<\/div>\r\n              <div class=\"gqw-calc-tv\"><sup id=\"gqwCS2\">$<\/sup><span id=\"gqwCAn\">\u2014<\/span><sub>\/yr<\/sub><\/div>\r\n            <\/div>\r\n          <\/div>\r\n        <\/div>\r\n\r\n        <div style=\"height:1.4rem\"><\/div>\r\n        <button class=\"gqw-btn\" onclick=\"gqwGo(3,false)\">Get My Full Quote \u2192<\/button>\r\n      <\/div>\r\n\r\n      <!-- STEP 3: QUOTE -->\r\n      <div class=\"gqw-step\" id=\"gqwS3\">\r\n        <div class=\"gqw-step-eyebrow\">Your instant quote<\/div>\r\n        <div class=\"gqw-step-title\">Here's your group cover quote.<\/div>\r\n        <div class=\"gqw-step-sub\">Rates are locked and guaranteed for 12 months from your policy start date.<\/div>\r\n\r\n        <div class=\"gqw-result\" id=\"gqwResult\">\r\n          <div class=\"gqw-result-badge\">\u2713 Quote ready<\/div>\r\n          <div class=\"gqw-result-rows\">\r\n            <div class=\"gqw-result-row\"><span class=\"gqw-result-rl\">Currency<\/span><span class=\"gqw-result-rv\" id=\"gqwRCur\">\u2014<\/span><\/div>\r\n            <div class=\"gqw-result-row\"><span class=\"gqw-result-rl\">Members covered<\/span><span class=\"gqw-result-rv\" id=\"gqwRMem\">\u2014<\/span><\/div>\r\n            <div class=\"gqw-result-row\"><span class=\"gqw-result-rl\">Cover per member<\/span><span class=\"gqw-result-rv\" id=\"gqwRCov\">\u2014<\/span><\/div>\r\n            <div class=\"gqw-result-row\"><span class=\"gqw-result-rl\">Rate \/ member \/ month<\/span><span class=\"gqw-result-rv\" id=\"gqwRRate\">\u2014<\/span><\/div>\r\n          <\/div>\r\n          <div class=\"gqw-result-div\"><\/div>\r\n          <div class=\"gqw-result-totals\">\r\n            <div>\r\n              <div class=\"gqw-result-tl\">Monthly premium<\/div>\r\n              <div class=\"gqw-result-tv\"><sup id=\"gqwRS1\">$<\/sup><span id=\"gqwRMo\">\u2014<\/span><sub>\/mo<\/sub><\/div>\r\n            <\/div>\r\n            <div>\r\n              <div class=\"gqw-result-tl\">Annual premium<\/div>\r\n              <div class=\"gqw-result-tv\"><sup id=\"gqwRS2\">$<\/sup><span id=\"gqwRAn\">\u2014<\/span><sub>\/yr<\/sub><\/div>\r\n            <\/div>\r\n          <\/div>\r\n        <\/div>\r\n\r\n        <button class=\"gqw-cta\" onclick=\"gqwSignup()\">Get Covered \u2014 Sign Up Now<\/button>\r\n        <button class=\"gqw-adj\" onclick=\"gqwGo(2,true)\">\u2190 Adjust quote<\/button>\r\n        <div class=\"gqw-foot\">Rates fixed for 12 months. Max entry age 70. <a href=\"https:\/\/mutuallife.africa\/group-funeral-cover\/terms\/\">Terms apply.<\/a><\/div>\r\n      <\/div>\r\n\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <!-- FOOTER TRUST BAR -->\r\n  <div class=\"gqw-footer\">\r\n    <div class=\"gqw-footer-item\"><span>\ud83d\udd12<\/span> SSL secured<\/div>\r\n    <div class=\"gqw-footer-item\"><span>\u26a1<\/span> Instant activation<\/div>\r\n    <div class=\"gqw-footer-item\"><span>\ud83d\udccb<\/span> No medical exam<\/div>\r\n    <div class=\"gqw-footer-item\"><span>\ud83d\udcac<\/span> info@mutuallife.africa<\/div>\r\n  <\/div>\r\n\r\n<\/div>\r\n\r\n<script>\r\nvar GQW_R={\r\n  USD:{sym:'$',rate:4.99,cover:'$5,000 USD'},\r\n  GBP:{sym:'\u00a3',rate:4.99,cover:'\u00a35,000 GBP'},\r\n  EUR:{sym:'\u20ac',rate:4.99,cover:'\u20ac5,000 EUR'},\r\n  ZAR:{sym:'R',rate:50,cover:'R15,000 ZAR'}\r\n};\r\nvar gqwSt={cur:null,mem:100};\r\nvar gqwCur=1;\r\n\r\nfunction gqwSelCur(c,s,btn){\r\n  document.querySelectorAll('.gqw-cur-btn').forEach(function(b){b.classList.remove('sel')});\r\n  btn.classList.add('sel');\r\n  gqwSt.cur=c;\r\n  document.getElementById('gqwN1').disabled=false;\r\n  gqwRefCalc();\r\n}\r\n\r\nfunction gqwUpdMem(v){\r\n  v=Math.min(1000,Math.max(100,parseInt(v)||100));\r\n  gqwSt.mem=v;\r\n  document.getElementById('gqwMemNum').textContent=v.toLocaleString();\r\n  document.getElementById('gqwSlider').value=v;\r\n  document.getElementById('gqwExact').value=v;\r\n  \/\/ update slider fill\r\n  var pct=((v-100)\/900)*100;\r\n  document.getElementById('gqwSlider').style.background=\r\n    'linear-gradient(to right, var(--navy) '+pct+'%, var(--navy) '+pct+'%, var(--border) '+pct+'%)';\r\n  gqwRefCalc();\r\n}\r\nfunction gqwSyncEx(v){\r\n  v=parseInt(v)||100;\r\n  if(v<100)v=100;if(v>1000)v=1000;\r\n  gqwUpdMem(v);\r\n}\r\n\r\nfunction gqwFmt(n,c){\r\n  var s=GQW_R[c].sym;\r\n  if(c==='ZAR')return s+Math.round(n).toLocaleString('en-ZA');\r\n  return s+n.toFixed(2).replace(\/\\B(?=(\\d{3})+(?!\\d))\/g,',');\r\n}\r\nfunction gqwFmtBig(n,c){\r\n  if(c==='ZAR')return Math.round(n).toLocaleString('en-ZA');\r\n  return n.toFixed(2).replace(\/\\B(?=(\\d{3})+(?!\\d))\/g,',');\r\n}\r\n\r\nfunction gqwRefCalc(){\r\n  if(!gqwSt.cur)return;\r\n  var c=gqwSt.cur,m=gqwSt.mem,r=GQW_R[c];\r\n  var mo=r.rate*m,an=mo*12;\r\n  document.getElementById('gqwCalcCur').textContent=c;\r\n  document.getElementById('gqwCalcMem').textContent=m.toLocaleString()+' members';\r\n  document.getElementById('gqwCalcCov').textContent=r.cover;\r\n  document.getElementById('gqwCalcRate').textContent=gqwFmt(r.rate,c);\r\n  document.getElementById('gqwCS1').textContent=r.sym;\r\n  document.getElementById('gqwCS2').textContent=r.sym;\r\n  \/\/ flash effect\r\n  ['gqwCMo','gqwCAn'].forEach(function(id){\r\n    var el=document.getElementById(id);\r\n    el.classList.remove('flash');\r\n    void el.offsetWidth;\r\n    el.classList.add('flash');\r\n    setTimeout(function(){el.classList.remove('flash')},400);\r\n  });\r\n  document.getElementById('gqwCMo').textContent=gqwFmtBig(mo,c);\r\n  document.getElementById('gqwCAn').textContent=gqwFmtBig(an,c);\r\n}\r\n\r\nfunction gqwBuildResult(){\r\n  var c=gqwSt.cur,m=gqwSt.mem,r=GQW_R[c];\r\n  var mo=r.rate*m,an=mo*12;\r\n  document.getElementById('gqwRCur').textContent=c;\r\n  document.getElementById('gqwRMem').textContent=m.toLocaleString()+' members';\r\n  document.getElementById('gqwRCov').textContent=r.cover;\r\n  document.getElementById('gqwRRate').textContent=gqwFmt(r.rate,c)+' \/ member';\r\n  document.getElementById('gqwRS1').textContent=r.sym;\r\n  document.getElementById('gqwRS2').textContent=r.sym;\r\n  document.getElementById('gqwRMo').textContent=gqwFmtBig(mo,c);\r\n  document.getElementById('gqwRAn').textContent=gqwFmtBig(an,c);\r\n  var res=document.getElementById('gqwResult');\r\n  res.classList.remove('gqw-result-enter');\r\n  void res.offsetWidth;\r\n  res.classList.add('gqw-result-enter');\r\n}\r\n\r\nfunction gqwGo(n,back){\r\n  var cur=document.getElementById('gqwS'+gqwCur);\r\n  var nxt=document.getElementById('gqwS'+n);\r\n  \/\/ animate out\r\n  cur.style.display='block';\r\n  cur.classList.add(back?'slide-out':'slide-out');\r\n  var dir=back?'slide-back-in':'slide-in';\r\n  setTimeout(function(){\r\n    cur.classList.remove('active','slide-out');\r\n    cur.style.display='none';\r\n    nxt.style.display='block';\r\n    nxt.classList.add('active',dir);\r\n    setTimeout(function(){nxt.classList.remove(dir)},400);\r\n  },200);\r\n  gqwCur=n;\r\n  \/\/ update track\r\n  for(var i=1;i<=3;i++){\r\n    var ts=document.getElementById('gqwTs'+i);\r\n    ts.classList.remove('active','done');\r\n    if(i<n)ts.classList.add('done');\r\n    if(i===n)ts.classList.add('active');\r\n    if(i<3){\r\n      var tl=document.getElementById('gqwTl'+i);\r\n      tl.classList.toggle('done',i<n);\r\n    }\r\n  }\r\n  if(n===3)gqwBuildResult();\r\n  \/\/ scroll\r\n  setTimeout(function(){\r\n    document.getElementById('gqwCard').scrollIntoView({behavior:'smooth',block:'start'});\r\n  },250);\r\n}\r\n\r\nfunction gqwSignup(){\r\n  var c=gqwSt.cur,r=GQW_R[c];\r\n  var mo=r.rate*gqwSt.mem;\r\n  window.location.href='https:\/\/mutuallife.africa\/group-funeral-cover\/sign-up\/'\r\n    +'?currency='+c+'&members='+gqwSt.mem+'&monthly='+mo.toFixed(2);\r\n}\r\n\r\n\/\/ init slider fill\r\ndocument.getElementById('gqwSlider').style.background='linear-gradient(to right, var(--navy) 0%, var(--border) 0%)';\r\ndocument.getElementById('gqwSlider').addEventListener('input',function(){gqwUpdMem(this.value)});\r\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cf28f2c 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=\"cf28f2c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c10f613 elementor-widget elementor-widget-html\" data-id=\"c10f613\" 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&family=Oswald:wght@500;600&display=swap\" rel=\"stylesheet\">\r\n<style>\r\n#gc-page *{box-sizing:border-box;margin:0;padding:0}\r\n#gc-page{font-family:'Philosopher',serif!important;color:#000000!important}\r\n\r\n\/* \u2500\u2500 SHARED \u2500\u2500 *\/\r\n#gc-page .gc-section{padding:4rem 1.5rem!important}\r\n#gc-page .gc-inner{max-width:1100px;margin:0 auto}\r\n#gc-page .gc-eyebrow{font-family:'Philosopher',serif!important;font-size:11px!important;text-transform:uppercase!important;letter-spacing:3px!important;color:#C9A84C!important;margin-bottom:0.6rem!important;font-weight:400!important}\r\n#gc-page .gc-heading{font-family:'Syne',sans-serif!important;font-weight:700!important;font-size:clamp(1.6rem,3vw,2.4rem)!important;color:#1A237E!important;line-height:1.15!important;margin-bottom:0.6rem!important}\r\n#gc-page .gc-sub{font-family:'Philosopher',serif!important;font-size:14px!important;color:#666666!important;line-height:1.65!important;margin-bottom:2.5rem!important;max-width:540px!important;font-weight:400!important}\r\n\r\n\/* \u2500\u2500 SECTION 1 \u2500\u2500 *\/\r\n#gc-page .gc-s1{background:#ffffff!important}\r\n#gc-page .gc-cover-grid{display:grid!important;grid-template-columns:repeat(4,1fr)!important;gap:1rem!important;margin-bottom:2rem!important}\r\n#gc-page .gc-cover-card{background:#f7f7f9!important;border:1.5px solid #e4e4ea!important;border-radius:16px!important;padding:1.5rem 1.3rem!important;position:relative!important;transition:border-color 0.25s,box-shadow 0.25s,transform 0.25s!important}\r\n#gc-page .gc-cover-card:hover{border-color:#1A237E!important;box-shadow:0 12px 40px rgba(26,35,126,0.1)!important;transform:translateY(-4px)!important}\r\n#gc-page .gc-cover-num{font-family:'Oswald',sans-serif!important;font-weight:600!important;font-size:2rem!important;color:rgba(26,35,126,0.07)!important;position:absolute!important;top:1rem!important;right:1.1rem!important;line-height:1!important}\r\n#gc-page .gc-cover-icon{font-size:22px!important;margin-bottom:0.9rem!important}\r\n#gc-page .gc-cover-title{font-family:'Syne',sans-serif!important;font-weight:600!important;font-size:13px!important;color:#1A237E!important;margin-bottom:0.4rem!important}\r\n#gc-page .gc-cover-desc{font-family:'Philosopher',serif!important;font-size:12px!important;color:#666666!important;line-height:1.55!important;margin-bottom:0.9rem!important;font-weight:400!important}\r\n#gc-page .gc-cover-tag{display:inline-block!important;background:rgba(201,168,76,0.1)!important;border:1px solid rgba(201,168,76,0.3)!important;border-radius:20px!important;padding:0.2rem 0.7rem!important;font-family:'Philosopher',serif!important;font-size:11px!important;color:#C9A84C!important}\r\n\r\n#gc-page .gc-benefits-bar{background:#1A237E!important;border-radius:16px!important;padding:2rem 2.5rem!important;display:grid!important;grid-template-columns:repeat(4,1fr)!important;gap:1rem!important}\r\n#gc-page .gc-ben{display:flex!important;align-items:flex-start!important;gap:10px!important}\r\n#gc-page .gc-ben-icon{width:32px!important;height:32px!important;border-radius:8px!important;background:rgba(201,168,76,0.15)!important;border:1px solid rgba(201,168,76,0.25)!important;display:flex!important;align-items:center!important;justify-content:center!important;font-size:13px!important;flex-shrink:0!important}\r\n#gc-page .gc-ben-title{font-family:'Syne',sans-serif!important;font-weight:600!important;font-size:12px!important;color:#ffffff!important;margin-bottom:3px!important}\r\n#gc-page .gc-ben-desc{font-family:'Philosopher',serif!important;font-size:11px!important;color:rgba(255,255,255,0.8)!important;line-height:1.45!important;font-weight:400!important}\r\n#gc-page .gc-waiting{grid-column:1\/-1!important;border-top:1px solid rgba(255,255,255,0.1)!important;padding-top:1rem!important;display:flex!important;align-items:center!important;gap:1rem!important;flex-wrap:wrap!important}\r\n#gc-page .gc-wlabel{font-family:'Philosopher',serif!important;font-size:11px!important;color:rgba(255,255,255,0.6)!important;text-transform:uppercase!important;letter-spacing:1.5px!important}\r\n#gc-page .gc-pill{font-family:'Philosopher',serif!important;font-size:11px!important;padding:0.2rem 0.8rem!important;border-radius:20px!important}\r\n#gc-page .gc-pill-green{background:rgba(46,204,113,0.15)!important;color:#2ecc71!important;border:1px solid rgba(46,204,113,0.25)!important}\r\n#gc-page .gc-pill-amber{background:rgba(201,168,76,0.15)!important;color:#C9A84C!important;border:1px solid rgba(201,168,76,0.25)!important}\r\n\r\n\/* \u2500\u2500 SECTION 2 \u2500\u2500 *\/\r\n#gc-page .gc-s2{background:#f7f7f9!important}\r\n#gc-page .gc-who-grid{display:grid!important;grid-template-columns:repeat(3,1fr)!important;gap:1rem!important;margin-bottom:1.2rem!important}\r\n#gc-page .gc-who-card{background:#ffffff!important;border:1.5px solid #e4e4ea!important;border-radius:16px!important;padding:1.5rem 1.4rem!important;position:relative!important;overflow:hidden!important;transition:border-color 0.25s,box-shadow 0.25s,transform 0.25s!important}\r\n#gc-page .gc-who-card:hover{border-color:#1A237E!important;box-shadow:0 12px 40px rgba(26,35,126,0.1)!important;transform:translateY(-4px)!important}\r\n#gc-page .gc-who-card::before{content:''!important;position:absolute!important;top:0!important;left:0!important;right:0!important;height:3px!important;background:linear-gradient(90deg,#1A237E,#C9A84C)!important;transform:scaleX(0)!important;transform-origin:left!important;transition:transform 0.3s!important}\r\n#gc-page .gc-who-card:hover::before{transform:scaleX(1)!important}\r\n#gc-page .gc-who-icon{font-size:22px!important;margin-bottom:0.9rem!important}\r\n#gc-page .gc-who-name{font-family:'Syne',sans-serif!important;font-weight:600!important;font-size:13px!important;color:#1A237E!important;margin-bottom:0.4rem!important}\r\n#gc-page .gc-who-desc{font-family:'Philosopher',serif!important;font-size:12px!important;color:#666666!important;line-height:1.55!important;margin-bottom:0.8rem!important;font-weight:400!important}\r\n#gc-page .gc-who-insight{font-family:'Philosopher',serif!important;font-style:italic!important;font-size:11px!important;color:#1A237E!important;opacity:0.6!important;padding-top:0.8rem!important;border-top:1px solid #e4e4ea!important;line-height:1.45!important}\r\n#gc-page .gc-not-eligible{display:flex!important;align-items:flex-start!important;gap:1rem!important;background:rgba(192,57,43,0.04)!important;border:1.5px dashed rgba(192,57,43,0.22)!important;border-radius:14px!important;padding:1.2rem 1.5rem!important}\r\n#gc-page .gc-ne-icon{font-size:20px!important;flex-shrink:0!important;margin-top:2px!important}\r\n#gc-page .gc-ne-title{font-family:'Syne',sans-serif!important;font-weight:600!important;font-size:13px!important;color:#c0392b!important;margin-bottom:3px!important}\r\n#gc-page .gc-ne-desc{font-family:'Philosopher',serif!important;font-size:12px!important;color:#666666!important;line-height:1.5!important;font-weight:400!important}\r\n#gc-page .gc-ne-desc a{color:#1A237E!important;text-decoration:none!important}\r\n\r\n\/* \u2500\u2500 SECTION 3 \u2500\u2500 *\/\r\n#gc-page .gc-s3{background:#ffffff!important}\r\n#gc-page .gc-join-grid{display:grid!important;grid-template-columns:repeat(3,1fr)!important;gap:1.2rem!important}\r\n#gc-page .gc-join-card{background:#f7f7f9!important;border-radius:16px!important;padding:2rem 1.8rem!important;border:1.5px solid #e4e4ea!important;transition:box-shadow 0.25s,transform 0.25s,border-color 0.25s!important}\r\n#gc-page .gc-join-card:hover{box-shadow:0 8px 32px rgba(0,0,0,0.08)!important;transform:translateY(-3px)!important;border-color:#1A237E!important}\r\n#gc-page .gc-join-num{font-family:'Philosopher',serif!important;font-size:13px!important;color:#C9A84C!important;font-weight:700!important;margin-bottom:1rem!important;letter-spacing:1px!important}\r\n#gc-page .gc-join-title{font-family:'Syne',sans-serif!important;font-weight:600!important;font-size:1rem!important;color:#000000!important;line-height:1.3!important;margin-bottom:0.75rem!important}\r\n#gc-page .gc-join-desc{font-family:'Philosopher',serif!important;font-size:14px!important;color:#666666!important;line-height:1.65!important;font-weight:400!important}\r\n\r\n\/* \u2500\u2500 SECTION 4 \u2500\u2500 *\/\r\n#gc-page .gc-s4{background:#f7f7f9!important}\r\n#gc-page .gc-network{position:relative!important;height:200px!important;margin-bottom:3.5rem!important}\r\n#gc-page .gc-connections{position:absolute!important;inset:0!important;pointer-events:none!important}\r\n#gc-page .gc-node{position:absolute!important;display:flex!important;flex-direction:column!important;align-items:center!important;gap:5px!important;transform:translate(-50%,-50%)!important}\r\n#gc-page .gc-node-dot{width:13px!important;height:13px!important;border-radius:50%!important;background:#C9A84C!important;animation:gcpulse 2.5s ease-in-out infinite!important}\r\n#gc-page .gc-node-dot.hq{width:18px!important;height:18px!important;background:#1A237E!important;animation:gcpulsehq 2.5s ease-in-out infinite!important}\r\n@keyframes gcpulse{0%,100%{box-shadow:0 0 0 4px rgba(201,168,76,0.2),0 0 0 8px rgba(201,168,76,0.07)}50%{box-shadow:0 0 0 6px rgba(201,168,76,0.28),0 0 0 12px rgba(201,168,76,0.1)}}\r\n@keyframes gcpulsehq{0%,100%{box-shadow:0 0 0 5px rgba(26,35,126,0.2),0 0 0 10px rgba(26,35,126,0.07)}50%{box-shadow:0 0 0 8px rgba(26,35,126,0.28),0 0 0 16px rgba(26,35,126,0.1)}}\r\n#gc-page .gc-node-label{font-family:'Syne',sans-serif!important;font-weight:600!important;font-size:10px!important;color:#1A237E!important;white-space:nowrap!important}\r\n#gc-page .gc-node-badge{font-family:'Oswald',sans-serif!important;font-weight:500!important;font-size:9px!important;background:#C9A84C!important;color:#1A237E!important;border-radius:3px!important;padding:1px 4px!important}\r\n#gc-page .gc-mr-split{display:grid!important;grid-template-columns:1fr 1fr!important;gap:2rem!important;margin-bottom:2.5rem!important}\r\n#gc-page .gc-mr-card{border-radius:18px!important;overflow:hidden!important;border:1.5px solid #e4e4ea!important}\r\n#gc-page .gc-mr-head{background:#1A237E!important;padding:1.8rem 2rem 1.4rem!important;position:relative!important;overflow:hidden!important}\r\n#gc-page .gc-mr-eyebrow{font-family:'Philosopher',serif!important;font-size:10px!important;text-transform:uppercase!important;letter-spacing:2.5px!important;color:rgba(201,168,76,0.7)!important;margin-bottom:0.5rem!important;position:relative!important;z-index:1!important}\r\n#gc-page .gc-mr-title{font-family:'Syne',sans-serif!important;font-weight:600!important;font-size:1.1rem!important;color:#ffffff!important;margin-bottom:0.4rem!important;position:relative!important;z-index:1!important}\r\n#gc-page .gc-mr-tagline{font-family:'Philosopher',serif!important;font-style:italic!important;font-size:12px!important;color:#C9A84C!important;position:relative!important;z-index:1!important;font-weight:400!important}\r\n#gc-page .gc-mr-body{background:#ffffff!important;padding:1.6rem 2rem!important}\r\n#gc-page .gc-mr-items{display:flex!important;flex-direction:column!important;gap:1rem!important}\r\n#gc-page .gc-mr-item{display:flex!important;align-items:flex-start!important;gap:12px!important}\r\n#gc-page .gc-mr-bullet{width:26px!important;height:26px!important;border-radius:7px!important;background:rgba(26,35,126,0.06)!important;display:flex!important;align-items:center!important;justify-content:center!important;font-size:12px!important;flex-shrink:0!important;transition:transform 0.2s,background 0.2s!important}\r\n#gc-page .gc-mr-item-title{font-family:'Syne',sans-serif!important;font-weight:600!important;font-size:13px!important;color:#1A237E!important;margin-bottom:2px!important}\r\n#gc-page .gc-mr-item-desc{font-family:'Philosopher',serif!important;font-size:12px!important;color:#666666!important;line-height:1.55!important;font-weight:400!important}\r\n#gc-page .gc-mr-who{background:#1A237E!important;border-radius:18px!important;padding:2.5rem 3rem!important;position:relative!important;overflow:hidden!important}\r\n#gc-page .gc-mr-who-eyebrow{font-family:'Philosopher',serif!important;font-size:10px!important;text-transform:uppercase!important;letter-spacing:2.5px!important;color:rgba(201,168,76,0.7)!important;margin-bottom:0.5rem!important;position:relative!important;z-index:1!important}\r\n#gc-page .gc-mr-who-title{font-family:'Syne',sans-serif!important;font-weight:600!important;font-size:1.1rem!important;color:#ffffff!important;margin-bottom:1.6rem!important;position:relative!important;z-index:1!important}\r\n#gc-page .gc-mr-who-grid{display:grid!important;grid-template-columns:repeat(2,1fr)!important;gap:1rem!important;position:relative!important;z-index:1!important}\r\n#gc-page .gc-mr-who-item{display:flex!important;align-items:flex-start!important;gap:12px!important;background:rgba(255,255,255,0.05)!important;border-radius:12px!important;padding:1rem!important;border:1px solid rgba(255,255,255,0.08)!important;transition:background 0.2s,border-color 0.2s!important}\r\n#gc-page .gc-mr-who-item:hover{background:rgba(255,255,255,0.09)!important;border-color:rgba(201,168,76,0.25)!important}\r\n#gc-page .gc-mr-who-icon{font-size:17px!important;flex-shrink:0!important;margin-top:1px!important}\r\n#gc-page .gc-mr-who-item-title{font-family:'Syne',sans-serif!important;font-weight:600!important;font-size:12px!important;color:#ffffff!important;margin-bottom:3px!important}\r\n#gc-page .gc-mr-who-item-desc{font-family:'Philosopher',serif!important;font-size:12px!important;color:rgba(255,255,255,0.8)!important;line-height:1.5!important;font-weight:400!important}\r\n#gc-page .gc-stmt{text-align:center!important;margin-top:3rem!important;padding-top:2rem!important;border-top:1px solid #e4e4ea!important}\r\n#gc-page .gc-stmt-line1{font-family:'Oswald',sans-serif!important;font-weight:600!important;font-size:clamp(1.3rem,2.5vw,1.9rem)!important;color:#1A237E!important;margin-bottom:0.4rem!important}\r\n#gc-page .gc-stmt-line1 span{color:#C9A84C!important}\r\n#gc-page .gc-stmt-line2{font-family:'Philosopher',serif!important;font-size:1rem!important;color:#666666!important;font-weight:400!important}\r\n\r\n\/* \u2500\u2500 SECTION 5: FAQ \u2500\u2500 *\/\r\n#gc-page .gc-s5{background:#ffffff!important}\r\n#gc-page .gc-faq-cats{display:flex!important;flex-wrap:wrap!important;gap:0.5rem!important;margin-bottom:2rem!important}\r\n#gc-page .gc-faq-cat-btn{font-family:'Philosopher',serif!important;font-size:12px!important;padding:0.35rem 1rem!important;border-radius:20px!important;border:1.5px solid #e4e4ea!important;background:#ffffff!important;color:#666666!important;cursor:pointer!important;transition:all 0.2s!important;font-weight:400!important}\r\n#gc-page .gc-faq-cat-btn:hover{border-color:#1A237E!important;color:#1A237E!important}\r\n#gc-page .gc-faq-cat-btn.active{background:#1A237E!important;color:#ffffff!important;border-color:#1A237E!important}\r\n#gc-page .gc-faq-group{margin-bottom:2rem!important}\r\n#gc-page .gc-faq-group-label{font-family:'Syne',sans-serif!important;font-weight:600!important;font-size:11px!important;text-transform:uppercase!important;letter-spacing:2px!important;color:#C9A84C!important;margin-bottom:0.75rem!important;padding-left:0.2rem!important}\r\n#gc-page .gc-faq-item{background:#ffffff!important;border:1.5px solid #e4e4ea!important;border-radius:12px!important;margin-bottom:0.5rem!important;overflow:hidden!important;transition:border-color 0.2s!important}\r\n#gc-page .gc-faq-item.open{border-color:#1A237E!important}\r\n#gc-page .gc-faq-q{display:flex!important;align-items:center!important;justify-content:space-between!important;padding:1.1rem 1.4rem!important;cursor:pointer!important;gap:1rem!important;user-select:none!important}\r\n#gc-page .gc-faq-q:hover{background:rgba(26,35,126,0.02)!important}\r\n#gc-page .gc-faq-q-text{font-family:'Syne',sans-serif!important;font-weight:600!important;font-size:14px!important;color:#000000!important;line-height:1.35!important;flex:1!important}\r\n#gc-page .gc-faq-item.open .gc-faq-q-text{color:#1A237E!important}\r\n#gc-page .gc-faq-icon{width:24px!important;height:24px!important;border-radius:50%!important;background:#f7f7f9!important;border:1.5px solid #e4e4ea!important;display:flex!important;align-items:center!important;justify-content:center!important;flex-shrink:0!important;transition:all 0.25s!important}\r\n#gc-page .gc-faq-item.open .gc-faq-icon{background:#1A237E!important;border-color:#1A237E!important;transform:rotate(45deg)!important}\r\n#gc-page .gc-faq-icon svg{width:10px!important;height:10px!important}\r\n#gc-page .gc-faq-a{max-height:0!important;overflow:hidden!important;transition:max-height 0.35s ease!important}\r\n#gc-page .gc-faq-item.open .gc-faq-a{max-height:none}\r\n#gc-page .gc-faq-a-inner{padding:0 1.4rem 1.2rem!important;font-family:'Philosopher',serif!important;font-size:14px!important;color:#666666!important;line-height:1.7!important;border-top:1px solid #ebebeb!important;font-weight:400!important}\r\n#gc-page .gc-faq-a-inner p{margin-top:0.8rem!important}\r\n#gc-page .gc-faq-a-inner p:first-child{margin-top:0.9rem!important}\r\n#gc-page .gc-faq-a-inner strong{color:#1A237E!important;font-weight:700!important}\r\n\r\n\/* \u2500\u2500 RESPONSIVE \u2500\u2500 *\/\r\n@media(max-width:900px){\r\n  #gc-page .gc-cover-grid{grid-template-columns:repeat(2,1fr)!important}\r\n  #gc-page .gc-benefits-bar{grid-template-columns:repeat(2,1fr)!important}\r\n  #gc-page .gc-who-grid{grid-template-columns:repeat(2,1fr)!important}\r\n  #gc-page .gc-join-grid{grid-template-columns:repeat(2,1fr)!important}\r\n  #gc-page .gc-mr-split{grid-template-columns:1fr!important}\r\n  #gc-page .gc-mr-who-grid{grid-template-columns:1fr!important}\r\n}\r\n@media(max-width:520px){\r\n  #gc-page .gc-cover-grid{grid-template-columns:1fr 1fr!important}\r\n  #gc-page .gc-benefits-bar{grid-template-columns:1fr 1fr!important}\r\n  #gc-page .gc-who-grid{grid-template-columns:1fr 1fr!important}\r\n  #gc-page .gc-join-grid{grid-template-columns:1fr!important}\r\n  #gc-page .gc-mr-who-grid{grid-template-columns:1fr!important}\r\n  #gc-page .gc-section{padding:2.5rem 1rem!important}\r\n  #gc-page .gc-mr-who{padding:2rem 1.5rem!important}\r\n  #gc-page .gc-network{height:150px!important}\r\n}\r\n<\/style>\r\n\r\n<div id=\"gc-page\">\r\n\r\n<div class=\"gc-section gc-s1\">\r\n  <div class=\"gc-inner\">\r\n    <div class=\"gc-eyebrow\">Group Funeral Cover<\/div>\r\n    <h2 class=\"gc-heading\">Who We Cover<\/h2>\r\n    <p class=\"gc-sub\">One premium. One life covered. Group cover is charged per member \u2014 simple, transparent, and consistent across your entire organisation.<\/p>\r\n    <div class=\"gc-cover-grid\">\r\n      <div class=\"gc-cover-card\"><span class=\"gc-cover-num\">01<\/span><div class=\"gc-cover-icon\">\ud83d\udc64<\/div><div class=\"gc-cover-title\">The Member<\/div><div class=\"gc-cover-desc\">Each enrolled member receives individual funeral cover. Any employee, community member, or group participant aged 18\u201370.<\/div><span class=\"gc-cover-tag\">One person per premium<\/span><\/div>\r\n      <div class=\"gc-cover-card\"><span class=\"gc-cover-num\">02<\/span><div class=\"gc-cover-icon\">\ud83d\udcb0<\/div><div class=\"gc-cover-title\">Fixed Cash Payout<\/div><div class=\"gc-cover-desc\">A fixed lump sum paid directly to the member's nominated beneficiary upon death. No committee decisions. No delays.<\/div><span class=\"gc-cover-tag\">$5k \u00b7 \u00a35k \u00b7 \u20ac5k \u00b7 R15k<\/span><\/div>\r\n      <div class=\"gc-cover-card\"><span class=\"gc-cover-num\">03<\/span><div class=\"gc-cover-icon\">\ud83d\udee1\ufe0f<\/div><div class=\"gc-cover-title\">Flat Rate Premium<\/div><div class=\"gc-cover-desc\">Every member pays the same rate regardless of age or health. No individual underwriting, no medical questions, no exclusions.<\/div><span class=\"gc-cover-tag\">$4.99 \u00b7 \u00a34.99 \u00b7 \u20ac4.99 \u00b7 R50\/mo<\/span><\/div>\r\n      <div class=\"gc-cover-card\"><span class=\"gc-cover-num\">04<\/span><div class=\"gc-cover-icon\">\ud83c\udfe2<\/div><div class=\"gc-cover-title\">Group Size<\/div><div class=\"gc-cover-desc\">100 to 1,000 members per group. One policy. One invoice. One administrator managing it all.<\/div><span class=\"gc-cover-tag\">100\u20131,000 members<\/span><\/div>\r\n    <\/div>\r\n    <div class=\"gc-benefits-bar\">\r\n      <div class=\"gc-ben\"><div class=\"gc-ben-icon\">\u2708\ufe0f<\/div><div><div class=\"gc-ben-title\">Repatriation Included<\/div><div class=\"gc-ben-desc\">ZAR plans cover Africa. USD, GBP and EUR cover international repatriation.<\/div><\/div><\/div>\r\n      <div class=\"gc-ben\"><div class=\"gc-ben-icon\">\u2705<\/div><div><div class=\"gc-ben-title\">Guaranteed Acceptance<\/div><div class=\"gc-ben-desc\">No individual medical underwriting. Every group member accepted at enrolment.<\/div><\/div><\/div>\r\n      <div class=\"gc-ben\"><div class=\"gc-ben-icon\">\ud83d\udccb<\/div><div><div class=\"gc-ben-title\">No Individual Forms<\/div><div class=\"gc-ben-desc\">One group contract covers all members. No separate approvals per person.<\/div><\/div><\/div>\r\n      <div class=\"gc-ben\"><div class=\"gc-ben-icon\">\ud83d\udd04<\/div><div><div class=\"gc-ben-title\">Add or Remove Anytime<\/div><div class=\"gc-ben-desc\">Members can be added or removed at any time. Invoice updates automatically.<\/div><\/div><\/div>\r\n      <div class=\"gc-waiting\"><span class=\"gc-wlabel\">Waiting period<\/span><span class=\"gc-pill gc-pill-green\">\u2713 Accidental death \u2014 immediate<\/span><span class=\"gc-pill gc-pill-amber\">\u23f1 Natural causes \u2014 6 months<\/span><\/div>\r\n    <\/div>\r\n  <\/div>\r\n<\/div>\r\n\r\n<div class=\"gc-section gc-s2\">\r\n  <div class=\"gc-inner\">\r\n    <div class=\"gc-eyebrow\">Is This For You?<\/div>\r\n    <h2 class=\"gc-heading\">Who Should Get Group Cover<\/h2>\r\n    <p class=\"gc-sub\">Built for organisations that want to protect their people \u2014 a flat rate per member, no individual applications, no medical checks.<\/p>\r\n    <div class=\"gc-who-grid\">\r\n      <div class=\"gc-who-card\"><div class=\"gc-who-icon\">\ud83c\udfe2<\/div><div class=\"gc-who-name\">Employers &amp; HR Teams<\/div><div class=\"gc-who-desc\">Add funeral cover to your staff benefits package. One invoice covers your entire workforce at R50 or $4.99 per employee per month.<\/div><div class=\"gc-who-insight\">\"A benefit your staff will notice and remember.\"<\/div><\/div>\r\n      <div class=\"gc-who-card\"><div class=\"gc-who-icon\">\ud83c\udf0d<\/div><div class=\"gc-who-name\">Diaspora &amp; Community Associations<\/div><div class=\"gc-who-desc\">Your members already pool resources for funerals. Formalise it with a group policy \u2014 guaranteed payout, no collections after the fact.<\/div><div class=\"gc-who-insight\">\"Turn the collection into a policy that pays before you ask.\"<\/div><\/div>\r\n      <div class=\"gc-who-card\"><div class=\"gc-who-icon\">\u26ea<\/div><div class=\"gc-who-name\">Churches &amp; Faith Communities<\/div><div class=\"gc-who-desc\">Group cover means the money is there when needed \u2014 not fundraised after the fact. Every congregation member covered individually.<\/div><div class=\"gc-who-insight\">\"Be ready before the need arises.\"<\/div><\/div>\r\n      <div class=\"gc-who-card\"><div class=\"gc-who-icon\">\ud83e\udd1d<\/div><div class=\"gc-who-name\">Stokvels &amp; Burial Societies<\/div><div class=\"gc-who-desc\">Replace informal pools with a formal underwritten policy. R50 per member per month. No committee decisions on who gets paid or how much.<\/div><div class=\"gc-who-insight\">\"Formal cover. Informal community. Both, together.\"<\/div><\/div>\r\n      <div class=\"gc-who-card\"><div class=\"gc-who-icon\">\ud83c\udf31<\/div><div class=\"gc-who-name\">NGOs &amp; Non-Profits<\/div><div class=\"gc-who-desc\">Cover every staff member individually. Demonstrate duty of care to donors, boards, and the communities you serve.<\/div><div class=\"gc-who-insight\">\"Protect the people doing the protecting.\"<\/div><\/div>\r\n      <div class=\"gc-who-card\"><div class=\"gc-who-icon\">\ud83c\udf93<\/div><div class=\"gc-who-name\">Schools &amp; Universities<\/div><div class=\"gc-who-desc\">Staff benefit or student welfare programme. One flat rate per person \u2014 no individual forms, no medical checks.<\/div><div class=\"gc-who-insight\">\"A welfare benefit that shows you mean it.\"<\/div><\/div>\r\n      <div class=\"gc-who-card\"><div class=\"gc-who-icon\">\ud83d\udd4a\ufe0f<\/div><div class=\"gc-who-name\">Funeral Homes &amp; Undertakers<\/div><div class=\"gc-who-desc\">Cover your own staff under a group scheme \u2014 separate from the families you serve. Same flat rate, same guaranteed payout.<\/div><div class=\"gc-who-insight\">\"Cover the people behind the service.\"<\/div><\/div>\r\n    <\/div>\r\n    <div class=\"gc-not-eligible\"><div class=\"gc-ne-icon\">\ud83d\udeab<\/div><div><div class=\"gc-ne-title\">Not eligible: Insurance &amp; Financial Services<\/div><div class=\"gc-ne-desc\">Not available to brokers, resellers, underwriters, or any entity redistributing this cover as a product. For partnership enquiries: <a href=\"mailto:info@mutuallife.africa\">info@mutuallife.africa<\/a><\/div><\/div><\/div>\r\n  <\/div>\r\n<\/div>\r\n\r\n<div class=\"gc-section gc-s3\">\r\n  <div class=\"gc-inner\">\r\n    <div class=\"gc-eyebrow\">Open to All<\/div>\r\n    <h2 class=\"gc-heading\">Who Can Join a Group Scheme<\/h2>\r\n    <p class=\"gc-sub\">We do not discriminate by nationality, residency, religion, or background. If your group is anywhere in the world and your members need protection \u2014 you qualify.<\/p>\r\n    <div class=\"gc-join-grid\">\r\n      <div class=\"gc-join-card\"><div class=\"gc-join-num\">01<\/div><div class=\"gc-join-title\">Any Nationality<\/div><div class=\"gc-join-desc\">African nationals, diaspora, expats, foreign nationals residing in Africa, and locals. No passport or citizenship restrictions of any kind.<\/div><\/div>\r\n      <div class=\"gc-join-card\"><div class=\"gc-join-num\">02<\/div><div class=\"gc-join-title\">Global Residency<\/div><div class=\"gc-join-desc\">Groups based anywhere in the world \u2014 Africa, Europe, North America, Middle East, and Asia Pacific. Where your group is, we are.<\/div><\/div>\r\n      <div class=\"gc-join-card\"><div class=\"gc-join-num\">03<\/div><div class=\"gc-join-title\">Age 18 to 70<\/div><div class=\"gc-join-desc\">All members must be between 18 and 70 at the time of entry. The flat rate applies equally across all eligible ages \u2014 no age banding.<\/div><\/div>\r\n      <div class=\"gc-join-card\"><div class=\"gc-join-num\">04<\/div><div class=\"gc-join-title\">Valid ID or Passport<\/div><div class=\"gc-join-desc\">Any government-issued identification is accepted. No citizenship requirements. Migrants, refugees with valid documents, and expats are all welcome.<\/div><\/div>\r\n      <div class=\"gc-join-card\"><div class=\"gc-join-num\">05<\/div><div class=\"gc-join-title\">All Religions &amp; Cultures<\/div><div class=\"gc-join-desc\">Christian, Muslim, traditional, secular \u2014 no restrictions. Repatriation covers Africa for ZAR plans and internationally for USD, GBP, and EUR plans.<\/div><\/div>\r\n      <div class=\"gc-join-card\"><div class=\"gc-join-num\">06<\/div><div class=\"gc-join-title\">Mixed Nationalities Welcome<\/div><div class=\"gc-join-desc\">A UK-based association with Nigerian, Ghanaian, Zimbabwean, and Kenyan members qualifies as one group. Members do not need to share nationality or residency.<\/div><\/div>\r\n    <\/div>\r\n  <\/div>\r\n<\/div>\r\n\r\n<div class=\"gc-section gc-s4\">\r\n  <div class=\"gc-inner\">\r\n    <div class=\"gc-eyebrow\">One Policy. Many Locations.<\/div>\r\n    <h2 class=\"gc-heading\">Multi-Region Organisations<\/h2>\r\n    <p class=\"gc-sub\">Your members do not all live in the same country. Your policy should not either. One group contract. Every office. Every country. One flat rate per member.<\/p>\r\n    <div class=\"gc-network\">\r\n      <svg class=\"gc-connections\" viewBox=\"0 0 1000 180\" preserveAspectRatio=\"none\">\r\n        <defs><linearGradient id=\"gcLineGrad\" x1=\"0%\" y1=\"0%\" x2=\"100%\" y2=\"0%\"><stop offset=\"0%\" style=\"stop-color:rgba(201,168,76,0);stop-opacity:1\"\/><stop offset=\"50%\" style=\"stop-color:rgba(201,168,76,0.35);stop-opacity:1\"\/><stop offset=\"100%\" style=\"stop-color:rgba(201,168,76,0);stop-opacity:1\"\/><\/linearGradient><\/defs>\r\n        <line x1=\"120\" y1=\"90\" x2=\"300\" y2=\"55\" stroke=\"url(#gcLineGrad)\" stroke-width=\"1.5\" stroke-dasharray=\"6 4\"><animate attributeName=\"stroke-dashoffset\" from=\"0\" to=\"-20\" dur=\"2s\" repeatCount=\"indefinite\"\/><\/line>\r\n        <line x1=\"120\" y1=\"90\" x2=\"470\" y2=\"45\" stroke=\"url(#gcLineGrad)\" stroke-width=\"1.5\" stroke-dasharray=\"6 4\"><animate attributeName=\"stroke-dashoffset\" from=\"0\" to=\"-20\" dur=\"2.3s\" repeatCount=\"indefinite\"\/><\/line>\r\n        <line x1=\"120\" y1=\"90\" x2=\"640\" y2=\"60\" stroke=\"url(#gcLineGrad)\" stroke-width=\"1.5\" stroke-dasharray=\"6 4\"><animate attributeName=\"stroke-dashoffset\" from=\"0\" to=\"-20\" dur=\"1.8s\" repeatCount=\"indefinite\"\/><\/line>\r\n        <line x1=\"120\" y1=\"90\" x2=\"820\" y2=\"50\" stroke=\"url(#gcLineGrad)\" stroke-width=\"1.5\" stroke-dasharray=\"6 4\"><animate attributeName=\"stroke-dashoffset\" from=\"0\" to=\"-20\" dur=\"2.5s\" repeatCount=\"indefinite\"\/><\/line>\r\n        <line x1=\"120\" y1=\"90\" x2=\"890\" y2=\"85\" stroke=\"url(#gcLineGrad)\" stroke-width=\"1.5\" stroke-dasharray=\"6 4\"><animate attributeName=\"stroke-dashoffset\" from=\"0\" to=\"-20\" dur=\"2.1s\" repeatCount=\"indefinite\"\/><\/line>\r\n        <line x1=\"120\" y1=\"90\" x2=\"580\" y2=\"145\" stroke=\"url(#gcLineGrad)\" stroke-width=\"1.5\" stroke-dasharray=\"6 4\"><animate attributeName=\"stroke-dashoffset\" from=\"0\" to=\"-20\" dur=\"2.7s\" repeatCount=\"indefinite\"\/><\/line>\r\n      <\/svg>\r\n      <div class=\"gc-node\" style=\"left:12%;top:48%\"><div class=\"gc-node-dot hq\"><\/div><div class=\"gc-node-label\">New York HQ<\/div><\/div>\r\n      <div class=\"gc-node\" style=\"left:30%;top:28%\"><div class=\"gc-node-dot\"><\/div><div class=\"gc-node-label\">London<\/div><div class=\"gc-node-badge\">GBP<\/div><\/div>\r\n      <div class=\"gc-node\" style=\"left:47%;top:22%\"><div class=\"gc-node-dot\"><\/div><div class=\"gc-node-label\">Amsterdam<\/div><div class=\"gc-node-badge\">EUR<\/div><\/div>\r\n      <div class=\"gc-node\" style=\"left:64%;top:30%\"><div class=\"gc-node-dot\"><\/div><div class=\"gc-node-label\">Dubai<\/div><div class=\"gc-node-badge\">USD<\/div><\/div>\r\n      <div class=\"gc-node\" style=\"left:82%;top:24%\"><div class=\"gc-node-dot\"><\/div><div class=\"gc-node-label\">Lagos<\/div><div class=\"gc-node-badge\">USD<\/div><\/div>\r\n      <div class=\"gc-node\" style=\"left:90%;top:44%\"><div class=\"gc-node-dot\"><\/div><div class=\"gc-node-label\">Johannesburg<\/div><div class=\"gc-node-badge\">ZAR<\/div><\/div>\r\n      <div class=\"gc-node\" style=\"left:58%;top:78%\"><div class=\"gc-node-dot\"><\/div><div class=\"gc-node-label\">Nairobi<\/div><div class=\"gc-node-badge\">USD<\/div><\/div>\r\n    <\/div>\r\n    <div class=\"gc-mr-split\">\r\n      <div class=\"gc-mr-card\">\r\n        <div class=\"gc-mr-head\"><div class=\"gc-mr-eyebrow\">Finance &amp; Admin<\/div><div class=\"gc-mr-title\">Billing Consolidation<\/div><div class=\"gc-mr-tagline\">\"One invoice. Every member. Every country.\"<\/div><\/div>\r\n        <div class=\"gc-mr-body\"><div class=\"gc-mr-items\">\r\n          <div class=\"gc-mr-item\"><div class=\"gc-mr-bullet\">\ud83d\udcc4<\/div><div><div class=\"gc-mr-item-title\">One consolidated invoice per cycle<\/div><div class=\"gc-mr-item-desc\">All regions billed together \u2014 line items broken down by currency pool. Clear, auditable, simple.<\/div><\/div><\/div>\r\n          <div class=\"gc-mr-item\"><div class=\"gc-mr-bullet\">\ud83d\udcb3<\/div><div><div class=\"gc-mr-item-title\">One payment per month<\/div><div class=\"gc-mr-item-desc\">Finance sees one line on the books: Group Funeral Cover, Mutual Life Africa.<\/div><\/div><\/div>\r\n          <div class=\"gc-mr-item\"><div class=\"gc-mr-bullet\">\ud83d\udcc5<\/div><div><div class=\"gc-mr-item-title\">One renewal date<\/div><div class=\"gc-mr-item-desc\">Every region on the same annual cycle. No staggered renewals. No missed expiry dates.<\/div><\/div><\/div>\r\n          <div class=\"gc-mr-item\"><div class=\"gc-mr-bullet\">\ud83e\ude99<\/div><div><div class=\"gc-mr-item-title\">Currency pools per region<\/div><div class=\"gc-mr-item-desc\">USD, GBP, EUR and ZAR \u2014 each pool clearly itemised. No conversion, no confusion.<\/div><\/div><\/div>\r\n        <\/div><\/div>\r\n      <\/div>\r\n      <div class=\"gc-mr-card\">\r\n        <div class=\"gc-mr-head\"><div class=\"gc-mr-eyebrow\">Relationship &amp; Support<\/div><div class=\"gc-mr-title\">Single Point of Contact<\/div><div class=\"gc-mr-tagline\">\"One person. One email. One call. Always.\"<\/div><\/div>\r\n        <div class=\"gc-mr-body\"><div class=\"gc-mr-items\">\r\n          <div class=\"gc-mr-item\"><div class=\"gc-mr-bullet\">\ud83d\udc64<\/div><div><div class=\"gc-mr-item-title\">Dedicated group account manager<\/div><div class=\"gc-mr-item-desc\">Assigned at onboarding. Knows your contract, your members, and your organisation.<\/div><\/div><\/div>\r\n          <div class=\"gc-mr-item\"><div class=\"gc-mr-bullet\">\ud83d\udcec<\/div><div><div class=\"gc-mr-item-title\">All queries through one channel<\/div><div class=\"gc-mr-item-desc\">Additions, removals, claims, renewals, billing \u2014 one email, one person owns it all.<\/div><\/div><\/div>\r\n          <div class=\"gc-mr-item\"><div class=\"gc-mr-bullet\">\ud83d\udcf1<\/div><div><div class=\"gc-mr-item-title\">Group admin portal<\/div><div class=\"gc-mr-item-desc\">Self-service member management across all regions via the MLA app.<\/div><\/div><\/div>\r\n          <div class=\"gc-mr-item\"><div class=\"gc-mr-bullet\">\u26a1<\/div><div><div class=\"gc-mr-item-title\">Direct escalation path<\/div><div class=\"gc-mr-item-desc\">Straight to the underwriting team when needed. No call centre. No queue.<\/div><\/div><\/div>\r\n        <\/div><\/div>\r\n      <\/div>\r\n    <\/div>\r\n    <div class=\"gc-mr-who\">\r\n      <div class=\"gc-mr-who-eyebrow\">Who This Is For<\/div>\r\n      <div class=\"gc-mr-who-title\">Multi-region organisations that should not be managing multiple policies<\/div>\r\n      <div class=\"gc-mr-who-grid\">\r\n        <div class=\"gc-mr-who-item\"><div class=\"gc-mr-who-icon\">\ud83c\udfe2<\/div><div><div class=\"gc-mr-who-item-title\">African companies with diaspora offices<\/div><div class=\"gc-mr-who-item-desc\">New York HQ + London + Dubai \u2014 one policy, one invoice, one manager.<\/div><\/div><\/div>\r\n        <div class=\"gc-mr-who-item\"><div class=\"gc-mr-who-icon\">\ud83c\udf10<\/div><div><div class=\"gc-mr-who-item-title\">International NGOs<\/div><div class=\"gc-mr-who-item-desc\">Staff across multiple African countries under a single group scheme.<\/div><\/div><\/div>\r\n        <div class=\"gc-mr-who-item\"><div class=\"gc-mr-who-icon\">\ud83c\udf0d<\/div><div><div class=\"gc-mr-who-item-title\">Diaspora associations with chapters<\/div><div class=\"gc-mr-who-item-desc\">UK, USA, and South Africa chapters \u2014 one group policy, chapter-level admin.<\/div><\/div><\/div>\r\n        <div class=\"gc-mr-who-item\"><div class=\"gc-mr-who-icon\">\u26ea<\/div><div><div class=\"gc-mr-who-item-title\">International ministries &amp; churches<\/div><div class=\"gc-mr-who-item-desc\">RCCG, Winners Chapel, international congregations \u2014 cross-border cover, single contract.<\/div><\/div><\/div>\r\n      <\/div>\r\n    <\/div>\r\n    <div class=\"gc-stmt\">\r\n      <div class=\"gc-stmt-line1\">One invoice. <span>Every member.<\/span> Every country.<\/div>\r\n      <div class=\"gc-stmt-line2\">Stop managing multiple insurance relationships. Start managing one.<\/div>\r\n    <\/div>\r\n  <\/div>\r\n<\/div>\r\n\r\n<div class=\"gc-section gc-s5\">\r\n  <div class=\"gc-inner\">\r\n    <div class=\"gc-eyebrow\">Group Funeral Cover<\/div>\r\n    <h2 class=\"gc-heading\">Frequently Asked Questions<\/h2>\r\n    <p class=\"gc-sub\">Everything your HR team, group admin, or organisation committee needs to know before enrolling.<\/p>\r\n    <div class=\"gc-faq-cats\">\r\n      <button class=\"gc-faq-cat-btn active\" onclick=\"gcFilterCat('all',this)\">All<\/button>\r\n      <button class=\"gc-faq-cat-btn\" onclick=\"gcFilterCat('getting-started',this)\">Getting Started<\/button>\r\n      <button class=\"gc-faq-cat-btn\" onclick=\"gcFilterCat('cover',this)\">Cover &amp; Benefits<\/button>\r\n      <button class=\"gc-faq-cat-btn\" onclick=\"gcFilterCat('pricing',this)\">Pricing &amp; Payment<\/button>\r\n      <button class=\"gc-faq-cat-btn\" onclick=\"gcFilterCat('claims',this)\">Claims<\/button>\r\n      <button class=\"gc-faq-cat-btn\" onclick=\"gcFilterCat('managing',this)\">Managing the Group<\/button>\r\n      <button class=\"gc-faq-cat-btn\" onclick=\"gcFilterCat('eligibility',this)\">Eligibility<\/button>\r\n    <\/div>\r\n    <div class=\"gc-faq-group\" data-cat=\"getting-started\">\r\n      <div class=\"gc-faq-group-label\">Getting Started<\/div>\r\n      <div class=\"gc-faq-item\"><div class=\"gc-faq-q\" onclick=\"gcToggleFaq(this)\"><span class=\"gc-faq-q-text\">What is Group Funeral Cover?<\/span><span class=\"gc-faq-icon\"><svg viewBox=\"0 0 10 10\" fill=\"none\"><path d=\"M5 1v8M1 5h8\" stroke=\"#888888\" stroke-width=\"1.5\" stroke-linecap=\"round\"\/><\/svg><\/span><\/div><div class=\"gc-faq-a\"><div class=\"gc-faq-a-inner\"><p>Group Funeral Cover is a single policy that covers every enrolled member of an organisation individually under one contract. Each member receives their own funeral cover at a flat monthly rate. No individual applications, no medical underwriting, no dependants.<\/p><\/div><\/div><\/div>\r\n      <div class=\"gc-faq-item\"><div class=\"gc-faq-q\" onclick=\"gcToggleFaq(this)\"><span class=\"gc-faq-q-text\">Who can take out a group policy?<\/span><span class=\"gc-faq-icon\"><svg viewBox=\"0 0 10 10\" fill=\"none\"><path d=\"M5 1v8M1 5h8\" stroke=\"#888888\" stroke-width=\"1.5\" stroke-linecap=\"round\"\/><\/svg><\/span><\/div><div class=\"gc-faq-a\"><div class=\"gc-faq-a-inner\"><p>Any registered organisation with a minimum of 100 members \u2014 employers, community and diaspora associations, churches and faith communities, stokvels and burial societies, NGOs, schools and universities, and funeral homes covering their own staff. Insurance companies, brokers, underwriters, and cover resellers are not eligible.<\/p><\/div><\/div><\/div>\r\n      <div class=\"gc-faq-item\"><div class=\"gc-faq-q\" onclick=\"gcToggleFaq(this)\"><span class=\"gc-faq-q-text\">What is the minimum number of members required?<\/span><span class=\"gc-faq-icon\"><svg viewBox=\"0 0 10 10\" fill=\"none\"><path d=\"M5 1v8M1 5h8\" stroke=\"#888888\" stroke-width=\"1.5\" stroke-linecap=\"round\"\/><\/svg><\/span><\/div><div class=\"gc-faq-a\"><div class=\"gc-faq-a-inner\"><p>The minimum is <strong>100 members<\/strong>. The maximum is <strong>1,000 members<\/strong> per group contract. Organisations with more than 1,000 members should contact us directly.<\/p><\/div><\/div><\/div>\r\n      <div class=\"gc-faq-item\"><div class=\"gc-faq-q\" onclick=\"gcToggleFaq(this)\"><span class=\"gc-faq-q-text\">How do I enrol my group?<\/span><span class=\"gc-faq-icon\"><svg viewBox=\"0 0 10 10\" fill=\"none\"><path d=\"M5 1v8M1 5h8\" stroke=\"#888888\" stroke-width=\"1.5\" stroke-linecap=\"round\"\/><\/svg><\/span><\/div><div class=\"gc-faq-a\"><div class=\"gc-faq-a-inner\"><p>Complete the group quote form on this page. Select your currency, enter your member count, and submit your organisation details. A member of our team will contact you within 1\u20132 business days to finalise the contract and arrange payment.<\/p><\/div><\/div><\/div>\r\n      <div class=\"gc-faq-item\"><div class=\"gc-faq-q\" onclick=\"gcToggleFaq(this)\"><span class=\"gc-faq-q-text\">How long does it take to activate a group policy?<\/span><span class=\"gc-faq-icon\"><svg viewBox=\"0 0 10 10\" fill=\"none\"><path d=\"M5 1v8M1 5h8\" stroke=\"#888888\" stroke-width=\"1.5\" stroke-linecap=\"round\"\/><\/svg><\/span><\/div><div class=\"gc-faq-a\"><div class=\"gc-faq-a-inner\"><p>Once the contract is signed and the first premium received, the policy activates within <strong>2\u20135 business days<\/strong>. Accidental death cover is immediate. Natural causes cover activates after a 6-month waiting period.<\/p><\/div><\/div><\/div>\r\n    <\/div>\r\n    <div class=\"gc-faq-group\" data-cat=\"cover\">\r\n      <div class=\"gc-faq-group-label\">Cover &amp; Benefits<\/div>\r\n      <div class=\"gc-faq-item\"><div class=\"gc-faq-q\" onclick=\"gcToggleFaq(this)\"><span class=\"gc-faq-q-text\">What does the cover pay out?<\/span><span class=\"gc-faq-icon\"><svg viewBox=\"0 0 10 10\" fill=\"none\"><path d=\"M5 1v8M1 5h8\" stroke=\"#888888\" stroke-width=\"1.5\" stroke-linecap=\"round\"\/><\/svg><\/span><\/div><div class=\"gc-faq-a\"><div class=\"gc-faq-a-inner\"><p>A fixed cash lump sum paid directly to the member's nominated beneficiary: <strong>$5,000 USD \u00b7 \u00a35,000 GBP \u00b7 \u20ac5,000 EUR \u00b7 R15,000 ZAR<\/strong>. Cover is for the enrolled member only \u2014 no dependants included.<\/p><\/div><\/div><\/div>\r\n      <div class=\"gc-faq-item\"><div class=\"gc-faq-q\" onclick=\"gcToggleFaq(this)\"><span class=\"gc-faq-q-text\">Are dependants covered?<\/span><span class=\"gc-faq-icon\"><svg viewBox=\"0 0 10 10\" fill=\"none\"><path d=\"M5 1v8M1 5h8\" stroke=\"#888888\" stroke-width=\"1.5\" stroke-linecap=\"round\"\/><\/svg><\/span><\/div><div class=\"gc-faq-a\"><div class=\"gc-faq-a-inner\"><p>No. Group Funeral Cover covers the enrolled member only. Members wishing to cover family separately can take out an individual MLA Funeral Cover policy through the app.<\/p><\/div><\/div><\/div>\r\n      <div class=\"gc-faq-item\"><div class=\"gc-faq-q\" onclick=\"gcToggleFaq(this)\"><span class=\"gc-faq-q-text\">Is repatriation included?<\/span><span class=\"gc-faq-icon\"><svg viewBox=\"0 0 10 10\" fill=\"none\"><path d=\"M5 1v8M1 5h8\" stroke=\"#888888\" stroke-width=\"1.5\" stroke-linecap=\"round\"\/><\/svg><\/span><\/div><div class=\"gc-faq-a\"><div class=\"gc-faq-a-inner\"><p>Yes. <strong>ZAR plans<\/strong> cover repatriation within Africa. <strong>USD, GBP, and EUR plans<\/strong> cover international repatriation.<\/p><\/div><\/div><\/div>\r\n      <div class=\"gc-faq-item\"><div class=\"gc-faq-q\" onclick=\"gcToggleFaq(this)\"><span class=\"gc-faq-q-text\">What is the maximum entry age?<\/span><span class=\"gc-faq-icon\"><svg viewBox=\"0 0 10 10\" fill=\"none\"><path d=\"M5 1v8M1 5h8\" stroke=\"#888888\" stroke-width=\"1.5\" stroke-linecap=\"round\"\/><\/svg><\/span><\/div><div class=\"gc-faq-a\"><div class=\"gc-faq-a-inner\"><p>The maximum entry age is <strong>70 years old<\/strong>. Members over 70 at enrolment cannot be added. Members who turn 70 after enrolment remain covered until the next renewal date.<\/p><\/div><\/div><\/div>\r\n    <\/div>\r\n    <div class=\"gc-faq-group\" data-cat=\"pricing\">\r\n      <div class=\"gc-faq-group-label\">Pricing &amp; Payment<\/div>\r\n      <div class=\"gc-faq-item\"><div class=\"gc-faq-q\" onclick=\"gcToggleFaq(this)\"><span class=\"gc-faq-q-text\">How much does Group Funeral Cover cost?<\/span><span class=\"gc-faq-icon\"><svg viewBox=\"0 0 10 10\" fill=\"none\"><path d=\"M5 1v8M1 5h8\" stroke=\"#888888\" stroke-width=\"1.5\" stroke-linecap=\"round\"\/><\/svg><\/span><\/div><div class=\"gc-faq-a\"><div class=\"gc-faq-a-inner\"><p>A flat rate per enrolled member per month: <strong>$4.99 USD \u00b7 \u00a34.99 GBP \u00b7 \u20ac4.99 EUR \u00b7 R50 ZAR<\/strong>. The same rate regardless of age, health, or group size.<\/p><\/div><\/div><\/div>\r\n      <div class=\"gc-faq-item\"><div class=\"gc-faq-q\" onclick=\"gcToggleFaq(this)\"><span class=\"gc-faq-q-text\">Are there volume discounts for larger groups?<\/span><span class=\"gc-faq-icon\"><svg viewBox=\"0 0 10 10\" fill=\"none\"><path d=\"M5 1v8M1 5h8\" stroke=\"#888888\" stroke-width=\"1.5\" stroke-linecap=\"round\"\/><\/svg><\/span><\/div><div class=\"gc-faq-a\"><div class=\"gc-faq-a-inner\"><p>No. The rate is the same whether your group has 100 or 1,000 members.<\/p><\/div><\/div><\/div>\r\n      <div class=\"gc-faq-item\"><div class=\"gc-faq-q\" onclick=\"gcToggleFaq(this)\"><span class=\"gc-faq-q-text\">How is the group billed?<\/span><span class=\"gc-faq-icon\"><svg viewBox=\"0 0 10 10\" fill=\"none\"><path d=\"M5 1v8M1 5h8\" stroke=\"#888888\" stroke-width=\"1.5\" stroke-linecap=\"round\"\/><\/svg><\/span><\/div><div class=\"gc-faq-a\"><div class=\"gc-faq-a-inner\"><p>One consolidated invoice per month covering all enrolled members. Multi-region groups are broken down by currency pool on the same document. One payment per cycle. One renewal date.<\/p><\/div><\/div><\/div>\r\n      <div class=\"gc-faq-item\"><div class=\"gc-faq-q\" onclick=\"gcToggleFaq(this)\"><span class=\"gc-faq-q-text\">What payment methods are accepted?<\/span><span class=\"gc-faq-icon\"><svg viewBox=\"0 0 10 10\" fill=\"none\"><path d=\"M5 1v8M1 5h8\" stroke=\"#888888\" stroke-width=\"1.5\" stroke-linecap=\"round\"\/><\/svg><\/span><\/div><div class=\"gc-faq-a\"><div class=\"gc-faq-a-inner\"><p>USD, GBP, and EUR premiums are billed via <strong>PayPal<\/strong>. ZAR premiums are billed via <strong>PayFast<\/strong>. Payment is made at the group level by the administrator.<\/p><\/div><\/div><\/div>\r\n    <\/div>\r\n    <div class=\"gc-faq-group\" data-cat=\"claims\">\r\n      <div class=\"gc-faq-group-label\">Claims<\/div>\r\n      <div class=\"gc-faq-item\"><div class=\"gc-faq-q\" onclick=\"gcToggleFaq(this)\"><span class=\"gc-faq-q-text\">How does a claim get submitted?<\/span><span class=\"gc-faq-icon\"><svg viewBox=\"0 0 10 10\" fill=\"none\"><path d=\"M5 1v8M1 5h8\" stroke=\"#888888\" stroke-width=\"1.5\" stroke-linecap=\"round\"\/><\/svg><\/span><\/div><div class=\"gc-faq-a\"><div class=\"gc-faq-a-inner\"><p>Through the MLA app or via email to your dedicated group account manager. The administrator or nominated beneficiary can initiate the claim. Receipt confirmed within 24 hours.<\/p><\/div><\/div><\/div>\r\n      <div class=\"gc-faq-item\"><div class=\"gc-faq-q\" onclick=\"gcToggleFaq(this)\"><span class=\"gc-faq-q-text\">How quickly is a claim paid out?<\/span><span class=\"gc-faq-icon\"><svg viewBox=\"0 0 10 10\" fill=\"none\"><path d=\"M5 1v8M1 5h8\" stroke=\"#888888\" stroke-width=\"1.5\" stroke-linecap=\"round\"\/><\/svg><\/span><\/div><div class=\"gc-faq-a\"><div class=\"gc-faq-a-inner\"><p>Within <strong>48\u201372 hours<\/strong> of all documents being received and verified. No committee approvals required for standard claims.<\/p><\/div><\/div><\/div>\r\n      <div class=\"gc-faq-item\"><div class=\"gc-faq-q\" onclick=\"gcToggleFaq(this)\"><span class=\"gc-faq-q-text\">What documents are needed to claim?<\/span><span class=\"gc-faq-icon\"><svg viewBox=\"0 0 10 10\" fill=\"none\"><path d=\"M5 1v8M1 5h8\" stroke=\"#888888\" stroke-width=\"1.5\" stroke-linecap=\"round\"\/><\/svg><\/span><\/div><div class=\"gc-faq-a\"><div class=\"gc-faq-a-inner\"><p><strong>Certified death certificate<\/strong>, <strong>ID of the deceased member<\/strong>, <strong>ID of the nominated beneficiary<\/strong>, and <strong>proof of bank account<\/strong>.<\/p><\/div><\/div><\/div>\r\n      <div class=\"gc-faq-item\"><div class=\"gc-faq-q\" onclick=\"gcToggleFaq(this)\"><span class=\"gc-faq-q-text\">Is there a waiting period before claims can be made?<\/span><span class=\"gc-faq-icon\"><svg viewBox=\"0 0 10 10\" fill=\"none\"><path d=\"M5 1v8M1 5h8\" stroke=\"#888888\" stroke-width=\"1.5\" stroke-linecap=\"round\"\/><\/svg><\/span><\/div><div class=\"gc-faq-a\"><div class=\"gc-faq-a-inner\"><p><strong>Accidental death<\/strong> \u2014 covered immediately, no waiting period.<br><strong>Natural causes<\/strong> \u2014 6-month waiting period from each member's enrolment date.<\/p><\/div><\/div><\/div>\r\n    <\/div>\r\n    <div class=\"gc-faq-group\" data-cat=\"managing\">\r\n      <div class=\"gc-faq-group-label\">Managing the Group<\/div>\r\n      <div class=\"gc-faq-item\"><div class=\"gc-faq-q\" onclick=\"gcToggleFaq(this)\"><span class=\"gc-faq-q-text\">Can we add or remove members after the policy starts?<\/span><span class=\"gc-faq-icon\"><svg viewBox=\"0 0 10 10\" fill=\"none\"><path d=\"M5 1v8M1 5h8\" stroke=\"#888888\" stroke-width=\"1.5\" stroke-linecap=\"round\"\/><\/svg><\/span><\/div><div class=\"gc-faq-a\"><div class=\"gc-faq-a-inner\"><p>Yes. Through the MLA app admin portal at any time. New members added mid-cycle are billed pro-rata. Removed members are covered until end of the current billing cycle.<\/p><\/div><\/div><\/div>\r\n      <div class=\"gc-faq-item\"><div class=\"gc-faq-q\" onclick=\"gcToggleFaq(this)\"><span class=\"gc-faq-q-text\">Who manages the group policy?<\/span><span class=\"gc-faq-icon\"><svg viewBox=\"0 0 10 10\" fill=\"none\"><path d=\"M5 1v8M1 5h8\" stroke=\"#888888\" stroke-width=\"1.5\" stroke-linecap=\"round\"\/><\/svg><\/span><\/div><div class=\"gc-faq-a\"><div class=\"gc-faq-a-inner\"><p>A nominated <strong>group administrator<\/strong> \u2014 typically an HR manager, treasurer, secretary, or community leader. Multiple administrators can be assigned to one group.<\/p><\/div><\/div><\/div>\r\n      <div class=\"gc-faq-item\"><div class=\"gc-faq-q\" onclick=\"gcToggleFaq(this)\"><span class=\"gc-faq-q-text\">Is there an admin portal for group management?<\/span><span class=\"gc-faq-icon\"><svg viewBox=\"0 0 10 10\" fill=\"none\"><path d=\"M5 1v8M1 5h8\" stroke=\"#888888\" stroke-width=\"1.5\" stroke-linecap=\"round\"\/><\/svg><\/span><\/div><div class=\"gc-faq-a\"><div class=\"gc-faq-a-inner\"><p>Yes. The MLA app \u2014 available on web, iOS, and Android \u2014 lets administrators view the full member list, add or remove members, download invoices, and track payment history.<\/p><\/div><\/div><\/div>\r\n    <\/div>\r\n    <div class=\"gc-faq-group\" data-cat=\"eligibility\">\r\n      <div class=\"gc-faq-group-label\">Eligibility<\/div>\r\n      <div class=\"gc-faq-item\"><div class=\"gc-faq-q\" onclick=\"gcToggleFaq(this)\"><span class=\"gc-faq-q-text\">Can a group have members of mixed nationalities?<\/span><span class=\"gc-faq-icon\"><svg viewBox=\"0 0 10 10\" fill=\"none\"><path d=\"M5 1v8M1 5h8\" stroke=\"#888888\" stroke-width=\"1.5\" stroke-linecap=\"round\"\/><\/svg><\/span><\/div><div class=\"gc-faq-a\"><div class=\"gc-faq-a-inner\"><p>Yes. No nationality restrictions. A single group policy can cover members from Nigeria, Zimbabwe, Ghana, Kenya, and the UK simultaneously.<\/p><\/div><\/div><\/div>\r\n      <div class=\"gc-faq-item\"><div class=\"gc-faq-q\" onclick=\"gcToggleFaq(this)\"><span class=\"gc-faq-q-text\">Do members need to be in the same country?<\/span><span class=\"gc-faq-icon\"><svg viewBox=\"0 0 10 10\" fill=\"none\"><path d=\"M5 1v8M1 5h8\" stroke=\"#888888\" stroke-width=\"1.5\" stroke-linecap=\"round\"\/><\/svg><\/span><\/div><div class=\"gc-faq-a\"><div class=\"gc-faq-a-inner\"><p>No. Multi-region groups are billed in their respective currency pools under one group relationship.<\/p><\/div><\/div><\/div>\r\n      <div class=\"gc-faq-item\"><div class=\"gc-faq-q\" onclick=\"gcToggleFaq(this)\"><span class=\"gc-faq-q-text\">Are insurance companies or brokers eligible?<\/span><span class=\"gc-faq-icon\"><svg viewBox=\"0 0 10 10\" fill=\"none\"><path d=\"M5 1v8M1 5h8\" stroke=\"#888888\" stroke-width=\"1.5\" stroke-linecap=\"round\"\/><\/svg><\/span><\/div><div class=\"gc-faq-a\"><div class=\"gc-faq-a-inner\"><p>No. Not available to brokers, underwriters, or cover resellers. For underwriting or white-label enquiries contact <strong>info@mutuallife.africa<\/strong>.<\/p><\/div><\/div><\/div>\r\n      <div class=\"gc-faq-item\"><div class=\"gc-faq-q\" onclick=\"gcToggleFaq(this)\"><span class=\"gc-faq-q-text\">What types of organisations qualify?<\/span><span class=\"gc-faq-icon\"><svg viewBox=\"0 0 10 10\" fill=\"none\"><path d=\"M5 1v8M1 5h8\" stroke=\"#888888\" stroke-width=\"1.5\" stroke-linecap=\"round\"\/><\/svg><\/span><\/div><div class=\"gc-faq-a\"><div class=\"gc-faq-a-inner\"><p><strong>Employers and companies<\/strong>, <strong>diaspora and community associations<\/strong>, <strong>churches and faith communities<\/strong>, <strong>stokvels and burial societies<\/strong>, <strong>NGOs and non-profits<\/strong>, <strong>schools and universities<\/strong>, and <strong>funeral homes<\/strong>. Minimum 100 members with a named group administrator.<\/p><\/div><\/div><\/div>\r\n    <\/div>\r\n  <\/div>\r\n<\/div>\r\n\r\n<\/div>\r\n\r\n<script>\r\nfunction gcToggleFaq(el){\r\n  var item=el.parentElement;\r\n  var answer=item.querySelector('.gc-faq-a');\r\n  var isOpen=item.classList.contains('open');\r\n  if(isOpen){item.classList.remove('open');answer.style.maxHeight='0';}\r\n  else{item.classList.add('open');answer.style.maxHeight=answer.scrollHeight+'px';}\r\n}\r\nfunction gcFilterCat(cat,btn){\r\n  document.querySelectorAll('.gc-faq-cat-btn').forEach(function(b){b.classList.remove('active')});\r\n  btn.classList.add('active');\r\n  document.querySelectorAll('#gc-page .gc-faq-group').forEach(function(g){\r\n    g.style.display=(cat==='all'||g.getAttribute('data-cat')===cat)?'block':'none';\r\n  });\r\n  document.querySelectorAll('#gc-page .gc-faq-item.open').forEach(function(item){\r\n    item.classList.remove('open');\r\n    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gqSlideBackIn{from{opacity:0;transform:translateX(-28px)}to{opacity:1;transform:translateX(0)}}\r\n\r\n.gqw-step-eyebrow{\r\n  font-family:var(--phil);font-size:10px;text-transform:uppercase;\r\n  letter-spacing:2.5px;color:var(--gold);margin-bottom:0.5rem;\r\n}\r\n.gqw-step-title{\r\n  font-family:var(--syne);font-weight:700;\r\n  font-size:1.25rem;color:var(--navy);\r\n  line-height:1.2;margin-bottom:0.4rem;\r\n}\r\n.gqw-step-sub{\r\n  font-family:var(--phil);font-size:13px;\r\n  color:var(--muted);line-height:1.6;margin-bottom:1.6rem;\r\n}\r\n\r\n\/* \u2500\u2500 CURRENCY FLAGS \u2500\u2500 *\/\r\n.gqw-cur-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-bottom:1.6rem}\r\n.gqw-cur-btn{\r\n  border:2px solid var(--border);border-radius:14px;\r\n  background:var(--white);cursor:pointer;\r\n  padding:1.1rem 1.2rem;\r\n  display:flex;align-items:center;gap:13px;\r\n  transition:all 0.22s ease;text-align:left;\r\n  position:relative;overflow:hidden;\r\n}\r\n.gqw-cur-btn::after{\r\n  content:'';position:absolute;inset:0;\r\n  background:var(--navy);opacity:0;\r\n  transition:opacity 0.2s;\r\n}\r\n.gqw-cur-btn:hover{border-color:var(--navy);transform:translateY(-2px);box-shadow:0 6px 20px rgba(26,35,126,0.12)}\r\n.gqw-cur-btn.sel{\r\n  border-color:var(--navy);\r\n  background:var(--navy);\r\n  transform:translateY(-2px);\r\n  box-shadow:0 8px 24px rgba(26,35,126,0.22);\r\n}\r\n.gqw-cur-flag{\r\n  font-size:28px;line-height:1;\r\n  transition:transform 0.25s ease;\r\n  flex-shrink:0;\r\n}\r\n.gqw-cur-btn:hover .gqw-cur-flag,\r\n.gqw-cur-btn.sel .gqw-cur-flag{transform:scale(1.15)}\r\n.gqw-cur-info{flex:1;position:relative;z-index:1}\r\n.gqw-cur-code{\r\n  font-family:var(--oswald);font-weight:600;font-size:17px;\r\n  color:var(--navy);transition:color 0.2s;line-height:1;\r\n}\r\n.gqw-cur-name{\r\n  font-family:var(--phil);font-size:11px;\r\n  color:var(--muted);margin-top:2px;transition:color 0.2s;\r\n}\r\n.gqw-cur-rate{\r\n  font-family:var(--oswald);font-weight:600;font-size:13px;\r\n  color:rgba(26,35,126,0.5);transition:color 0.2s;margin-top:3px;\r\n}\r\n.gqw-cur-btn.sel .gqw-cur-code,\r\n.gqw-cur-btn.sel .gqw-cur-name,\r\n.gqw-cur-btn.sel .gqw-cur-rate{color:var(--white)}\r\n.gqw-cur-btn.sel .gqw-cur-name{color:rgba(255,255,255,0.6)}\r\n.gqw-cur-btn.sel .gqw-cur-rate{color:var(--gold)}\r\n.gqw-cur-check{\r\n  width:18px;height:18px;border-radius:50%;\r\n  border:2px solid var(--border);\r\n  flex-shrink:0;position:relative;z-index:1;\r\n  transition:all 0.2s;display:flex;align-items:center;justify-content:center;\r\n}\r\n.gqw-cur-btn.sel .gqw-cur-check{\r\n  background:var(--gold);border-color:var(--gold);\r\n}\r\n.gqw-cur-btn.sel .gqw-cur-check::after{\r\n  content:'\u2713';font-size:10px;color:var(--white);font-weight:700;\r\n}\r\n\r\n\/* \u2500\u2500 MEMBER SLIDER \u2500\u2500 *\/\r\n.gqw-mem-display{\r\n  text-align:center;\r\n  padding:1.2rem;\r\n  background:rgba(26,35,126,0.04);\r\n  border:1.5px solid var(--border);\r\n  border-radius:14px;\r\n  margin-bottom:1.2rem;\r\n}\r\n.gqw-mem-num{\r\n  font-family:var(--oswald);font-weight:600;\r\n  font-size:3rem;color:var(--navy);line-height:1;\r\n  transition:all 0.2s;\r\n}\r\n.gqw-mem-unit{\r\n  font-family:var(--phil);font-size:12px;\r\n  color:var(--muted);margin-top:3px;\r\n}\r\n\r\n.gqw-slider{\r\n  -webkit-appearance:none;appearance:none;\r\n  width:100%;height:5px;border-radius:5px;\r\n  background:linear-gradient(to right, var(--navy) 0%, var(--navy) 0%, var(--border) 0%);\r\n  outline:none;cursor:pointer;margin-bottom:0.5rem;\r\n  transition:background 0.1s;\r\n}\r\n.gqw-slider::-webkit-slider-thumb{\r\n  -webkit-appearance:none;appearance:none;\r\n  width:22px;height:22px;border-radius:50%;\r\n  background:var(--navy);cursor:pointer;\r\n  border:3px solid var(--white);\r\n  box-shadow:0 2px 10px rgba(26,35,126,0.35);\r\n  transition:transform 0.15s,box-shadow 0.15s;\r\n}\r\n.gqw-slider::-webkit-slider-thumb:hover{\r\n  transform:scale(1.2);\r\n  box-shadow:0 4px 16px rgba(26,35,126,0.4);\r\n}\r\n.gqw-slider::-moz-range-thumb{\r\n  width:22px;height:22px;border-radius:50%;\r\n  background:var(--navy);cursor:pointer;\r\n  border:3px solid var(--white);\r\n  box-shadow:0 2px 10px rgba(26,35,126,0.35);\r\n}\r\n.gqw-ticks{\r\n  display:flex;justify-content:space-between;\r\n  font-family:var(--phil);font-size:10px;color:var(--muted);\r\n  padding:0 3px;margin-bottom:1rem;\r\n}\r\n.gqw-exact-row{\r\n  display:flex;align-items:center;gap:10px;margin-bottom:1.6rem;\r\n}\r\n.gqw-exact-label{font-family:var(--phil);font-size:12px;color:var(--muted);white-space:nowrap}\r\n.gqw-exact-input{\r\n  width:90px;padding:0.5rem 0.8rem;\r\n  border:2px solid var(--border);border-radius:8px;\r\n  font-family:var(--oswald);font-weight:600;font-size:15px;\r\n  color:var(--navy);background:var(--white);\r\n  text-align:center;outline:none;transition:border 0.18s;\r\n}\r\n.gqw-exact-input:focus{border-color:var(--navy)}\r\n\r\n\/* \u2500\u2500 LIVE CALC PANEL \u2500\u2500 *\/\r\n.gqw-calc{\r\n  background:var(--navy);border-radius:16px;\r\n  padding:1.4rem 1.6rem;\r\n  position:relative;overflow:hidden;\r\n}\r\n.gqw-calc::before{\r\n  content:'';position:absolute;\r\n  top:-40px;right:-40px;width:160px;height:160px;\r\n  border-radius:50%;background:rgba(201,168,76,0.1);\r\n  pointer-events:none;\r\n}\r\n.gqw-calc::after{\r\n  content:'';position:absolute;\r\n  bottom:-30px;left:-30px;width:100px;height:100px;\r\n  border-radius:50%;background:rgba(255,255,255,0.04);\r\n  pointer-events:none;\r\n}\r\n.gqw-calc-header{\r\n  display:flex;justify-content:space-between;align-items:center;\r\n  margin-bottom:1rem;position:relative;z-index:1;\r\n}\r\n.gqw-calc-cur{\r\n  font-family:var(--phil);font-size:10px;text-transform:uppercase;\r\n  letter-spacing:2px;color:rgba(255,255,255,0.4);\r\n}\r\n.gqw-calc-cur-val{\r\n  font-family:var(--oswald);font-weight:600;font-size:12px;\r\n  color:var(--gold);letter-spacing:1px;\r\n}\r\n.gqw-calc-rows{\r\n  display:flex;flex-direction:column;gap:0.5rem;\r\n  margin-bottom:1rem;position:relative;z-index:1;\r\n}\r\n.gqw-calc-row{display:flex;justify-content:space-between;align-items:baseline}\r\n.gqw-calc-rl{font-family:var(--phil);font-size:12px;color:rgba(255,255,255,0.45)}\r\n.gqw-calc-rv{\r\n  font-family:var(--oswald);font-weight:500;font-size:12px;\r\n  color:rgba(255,255,255,0.85);\r\n  transition:all 0.25s ease;\r\n}\r\n.gqw-calc-rv.flash{color:var(--gold)}\r\n.gqw-calc-div{height:1px;background:rgba(255,255,255,0.09);margin:0.9rem 0;position:relative;z-index:1}\r\n.gqw-calc-totals{display:grid;grid-template-columns:1fr 1fr;gap:1rem;position:relative;z-index:1}\r\n.gqw-calc-tl{\r\n  font-family:var(--phil);font-size:10px;text-transform:uppercase;\r\n  letter-spacing:1.5px;color:rgba(255,255,255,0.35);margin-bottom:0.25rem;\r\n}\r\n.gqw-calc-tv{\r\n  font-family:var(--oswald);font-weight:600;font-size:1.7rem;\r\n  color:var(--gold);line-height:1;\r\n  transition:all 0.25s ease;\r\n}\r\n.gqw-calc-tv sup{font-size:0.8rem;vertical-align:top;margin-top:0.1rem;display:inline-block}\r\n.gqw-calc-tv sub{\r\n  font-family:var(--phil);font-weight:400;font-size:10px;\r\n  color:rgba(255,255,255,0.28);margin-left:2px;\r\n}\r\n\r\n\/* \u2500\u2500 QUOTE RESULT \u2500\u2500 *\/\r\n.gqw-result{\r\n  background:var(--navy);border-radius:16px;\r\n  padding:1.8rem;margin-bottom:1.6rem;\r\n  position:relative;overflow:hidden;\r\n}\r\n.gqw-result::before{\r\n  content:'';position:absolute;\r\n  top:-50px;right:-50px;width:200px;height:200px;\r\n  border-radius:50%;background:rgba(201,168,76,0.12);\r\n  pointer-events:none;\r\n  animation:gqRotateBlob 12s linear infinite;\r\n}\r\n@keyframes gqRotateBlob{from{transform:rotate(0deg) translate(10px)}to{transform:rotate(360deg) translate(10px)}}\r\n.gqw-result-badge{\r\n  display:inline-flex;align-items:center;gap:6px;\r\n  background:rgba(201,168,76,0.18);\r\n  border:1px solid rgba(201,168,76,0.35);\r\n  border-radius:20px;padding:0.2rem 0.75rem;\r\n  font-family:var(--phil);font-size:10px;\r\n  color:var(--gold);letter-spacing:1.5px;text-transform:uppercase;\r\n  margin-bottom:1rem;position:relative;z-index:1;\r\n}\r\n.gqw-result-rows{\r\n  display:flex;flex-direction:column;gap:0.65rem;\r\n  margin-bottom:1.2rem;position:relative;z-index:1;\r\n}\r\n.gqw-result-row{\r\n  display:flex;justify-content:space-between;align-items:baseline;gap:1rem;\r\n}\r\n.gqw-result-rl{font-family:var(--phil);font-size:12px;color:rgba(255,255,255,0.45);flex-shrink:0}\r\n.gqw-result-rv{\r\n  font-family:var(--oswald);font-weight:500;font-size:13px;\r\n  color:rgba(255,255,255,0.9);text-align:right;\r\n}\r\n.gqw-result-div{height:1px;background:rgba(255,255,255,0.09);margin:1rem 0;position:relative;z-index:1}\r\n.gqw-result-totals{\r\n  display:grid;grid-template-columns:1fr 1fr;gap:1rem;\r\n  position:relative;z-index:1;\r\n}\r\n.gqw-result-tl{\r\n  font-family:var(--phil);font-size:10px;text-transform:uppercase;\r\n  letter-spacing:1.5px;color:rgba(255,255,255,0.35);margin-bottom:0.25rem;\r\n}\r\n.gqw-result-tv{\r\n  font-family:var(--oswald);font-weight:600;font-size:2rem;\r\n  color:var(--gold);line-height:1;\r\n}\r\n.gqw-result-tv sup{font-size:0.85rem;vertical-align:top;margin-top:0.15rem;display:inline-block}\r\n.gqw-result-tv sub{\r\n  font-family:var(--phil);font-weight:400;font-size:10px;\r\n  color:rgba(255,255,255,0.28);margin-left:2px;\r\n}\r\n.gqw-result-enter{\r\n  animation:gqResultIn 0.5s cubic-bezier(0.22,1,0.36,1) forwards;\r\n}\r\n@keyframes gqResultIn{\r\n  from{opacity:0;transform:scale(0.96) translateY(12px)}\r\n  to{opacity:1;transform:scale(1) translateY(0)}\r\n}\r\n\r\n\/* \u2500\u2500 BUTTONS \u2500\u2500 *\/\r\n.gqw-btn{\r\n  width:100%;padding:0.9rem;\r\n  background:var(--navy);color:var(--white);\r\n  border:none;border-radius:12px;cursor:pointer;\r\n  font-family:var(--syne);font-weight:700;font-size:14px;\r\n  transition:all 0.22s;\r\n}\r\n.gqw-btn:hover:not(:disabled){background:#1e2d9e;transform:translateY(-2px);box-shadow:0 8px 24px rgba(26,35,126,0.25)}\r\n.gqw-btn:disabled{opacity:0.25;cursor:not-allowed;transform:none;box-shadow:none}\r\n.gqw-cta{\r\n  width:100%;padding:1rem;\r\n  background:var(--gold);color:var(--white);\r\n  border:none;border-radius:12px;cursor:pointer;\r\n  font-family:var(--syne);font-weight:700;font-size:15px;\r\n  transition:all 0.22s;margin-bottom:10px;\r\n  letter-spacing:0.2px;\r\n}\r\n.gqw-cta:hover{background:#d4a84c;transform:translateY(-2px);box-shadow:0 8px 24px rgba(201,168,76,0.35)}\r\n.gqw-adj{\r\n  width:100%;padding:0.8rem;\r\n  background:transparent;color:var(--muted);\r\n  border:1.5px solid var(--border);border-radius:12px;\r\n  cursor:pointer;font-family:var(--phil);font-size:13px;\r\n  transition:all 0.2s;\r\n}\r\n.gqw-adj:hover{border-color:var(--navy);color:var(--navy)}\r\n\r\n.gqw-foot{\r\n  text-align:center;margin-top:1.2rem;\r\n  font-family:var(--phil);font-size:11px;\r\n  color:var(--muted);line-height:1.6;\r\n}\r\n.gqw-foot a{color:var(--navy);text-decoration:none}\r\n.gqw-foot a:hover{text-decoration:underline}\r\n\r\n\/* \u2500\u2500 FOOTER BAR \u2500\u2500 *\/\r\n.gqw-footer{\r\n  max-width:680px;margin:0 auto;\r\n  background:rgba(26,35,126,0.05);\r\n  border:1px solid var(--border);border-top:none;\r\n  border-radius:0 0 24px 24px;\r\n  padding:1rem 2.5rem;\r\n  display:flex;align-items:center;justify-content:space-between;\r\n  flex-wrap:wrap;gap:0.5rem;\r\n}\r\n.gqw-footer-item{\r\n  display:flex;align-items:center;gap:6px;\r\n  font-family:var(--phil);font-size:11px;color:var(--muted);\r\n}\r\n.gqw-footer-item span{font-size:13px}\r\n\r\n@media(max-width:600px){\r\n  .gqw-hero,.gqw-card,.gqw-footer{max-width:100%}\r\n  .gqw-hero{padding:1.8rem 1.5rem 1.5rem;border-radius:18px 18px 0 0}\r\n  .gqw-body{padding:1.8rem 1.5rem}\r\n  .gqw-track{padding:1.2rem 1.5rem}\r\n  .gqw-track-label{display:none}\r\n  .gqw-cur-grid{grid-template-columns:1fr 1fr}\r\n  .gqw-result-tv{font-size:1.6rem}\r\n  .gqw-footer{padding:0.9rem 1.5rem}\r\n}\r\n<\/style>\r\n\r\n<div class=\"gqw\">\r\n\r\n  <!-- HERO -->\r\n  <div class=\"gqw-hero\">\r\n    <div class=\"gqw-hero-badge\">Get an instant quote<\/div>\r\n    <div class=\"gqw-hero-title\">Group Funeral Cover<br><span>Calculate your premium in 60 seconds<\/span><\/div>\r\n    <div class=\"gqw-hero-sub\">Select your currency, enter your group size, and get a guaranteed quote. No forms, no waiting, no sales calls.<\/div>\r\n    <div class=\"gqw-hero-pills\">\r\n      <div class=\"gqw-hero-pill\"><span>\ud83d\udee1\ufe0f<\/span> Per member pricing<\/div>\r\n      <div class=\"gqw-hero-pill\"><span>\u26a1<\/span> Instant quote<\/div>\r\n      <div class=\"gqw-hero-pill\"><span>\u2705<\/span> No medical checks<\/div>\r\n      <div class=\"gqw-hero-pill\"><span>\ud83c\udf0d<\/span> 100\u20131,000 members<\/div>\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <!-- CARD -->\r\n  <div class=\"gqw-card\" id=\"gqwCard\">\r\n\r\n    <!-- STEP TRACK -->\r\n    <div class=\"gqw-track\">\r\n      <div class=\"gqw-track-step active\" id=\"gqwTs1\">\r\n        <div class=\"gqw-track-dot\">1<\/div>\r\n        <span class=\"gqw-track-label\">Currency<\/span>\r\n      <\/div>\r\n      <div class=\"gqw-track-line\" id=\"gqwTl1\"><\/div>\r\n      <div class=\"gqw-track-step\" id=\"gqwTs2\">\r\n        <div class=\"gqw-track-dot\">2<\/div>\r\n        <span class=\"gqw-track-label\">Group size<\/span>\r\n      <\/div>\r\n      <div class=\"gqw-track-line\" id=\"gqwTl2\"><\/div>\r\n      <div class=\"gqw-track-step\" id=\"gqwTs3\">\r\n        <div class=\"gqw-track-dot\">3<\/div>\r\n        <span class=\"gqw-track-label\">Your quote<\/span>\r\n      <\/div>\r\n    <\/div>\r\n\r\n    <!-- BODY -->\r\n    <div class=\"gqw-body\" id=\"gqwBody\">\r\n\r\n      <!-- STEP 1: CURRENCY -->\r\n      <div class=\"gqw-step active slide-in\" id=\"gqwS1\">\r\n        <div class=\"gqw-step-eyebrow\">Step 1 of 3<\/div>\r\n        <div class=\"gqw-step-title\">What currency do you want to pay in?<\/div>\r\n        <div class=\"gqw-step-sub\">Premiums and payouts will be in this currency. Each plan is independently underwritten \u2014 no cross-currency conversion applied.<\/div>\r\n        <div class=\"gqw-cur-grid\">\r\n          <button class=\"gqw-cur-btn\" onclick=\"gqwSelCur('USD','$',this)\">\r\n            <span class=\"gqw-cur-flag\">\ud83c\uddfa\ud83c\uddf8<\/span>\r\n            <div class=\"gqw-cur-info\">\r\n              <div class=\"gqw-cur-code\">USD<\/div>\r\n              <div class=\"gqw-cur-name\">US Dollar<\/div>\r\n              <div class=\"gqw-cur-rate\">$4.99 \/ member \/ mo<\/div>\r\n            <\/div>\r\n            <div class=\"gqw-cur-check\"><\/div>\r\n          <\/button>\r\n          <button class=\"gqw-cur-btn\" onclick=\"gqwSelCur('GBP','\u00a3',this)\">\r\n            <span class=\"gqw-cur-flag\">\ud83c\uddec\ud83c\udde7<\/span>\r\n            <div class=\"gqw-cur-info\">\r\n              <div class=\"gqw-cur-code\">GBP<\/div>\r\n              <div class=\"gqw-cur-name\">British Pound<\/div>\r\n              <div class=\"gqw-cur-rate\">\u00a34.99 \/ member \/ mo<\/div>\r\n            <\/div>\r\n            <div class=\"gqw-cur-check\"><\/div>\r\n          <\/button>\r\n          <button class=\"gqw-cur-btn\" onclick=\"gqwSelCur('EUR','\u20ac',this)\">\r\n            <span class=\"gqw-cur-flag\">\ud83c\uddea\ud83c\uddfa<\/span>\r\n            <div class=\"gqw-cur-info\">\r\n              <div class=\"gqw-cur-code\">EUR<\/div>\r\n              <div class=\"gqw-cur-name\">Euro<\/div>\r\n              <div class=\"gqw-cur-rate\">\u20ac4.99 \/ member \/ mo<\/div>\r\n            <\/div>\r\n            <div class=\"gqw-cur-check\"><\/div>\r\n          <\/button>\r\n          <button class=\"gqw-cur-btn\" onclick=\"gqwSelCur('ZAR','R',this)\">\r\n            <span class=\"gqw-cur-flag\">\ud83c\uddff\ud83c\udde6<\/span>\r\n            <div class=\"gqw-cur-info\">\r\n              <div class=\"gqw-cur-code\">ZAR<\/div>\r\n              <div class=\"gqw-cur-name\">South African Rand<\/div>\r\n              <div class=\"gqw-cur-rate\">R50 \/ member \/ mo<\/div>\r\n            <\/div>\r\n            <div class=\"gqw-cur-check\"><\/div>\r\n          <\/button>\r\n        <\/div>\r\n        <button class=\"gqw-btn\" id=\"gqwN1\" disabled onclick=\"gqwGo(2,false)\">Continue to Group Size \u2192<\/button>\r\n      <\/div>\r\n\r\n      <!-- STEP 2: MEMBERS -->\r\n      <div class=\"gqw-step\" id=\"gqwS2\">\r\n        <div class=\"gqw-step-eyebrow\">Step 2 of 3<\/div>\r\n        <div class=\"gqw-step-title\">How many members are in your group?<\/div>\r\n        <div class=\"gqw-step-sub\">One flat rate per member. Minimum 100. Maximum 1,000 per policy.<\/div>\r\n\r\n        <div class=\"gqw-mem-display\">\r\n          <div class=\"gqw-mem-num\" id=\"gqwMemNum\">100<\/div>\r\n          <div class=\"gqw-mem-unit\">members in your group<\/div>\r\n        <\/div>\r\n        <input type=\"range\" class=\"gqw-slider\" id=\"gqwSlider\" min=\"100\" max=\"1000\" step=\"10\" value=\"100\" oninput=\"gqwUpdMem(this.value)\">\r\n        <div class=\"gqw-ticks\"><span>100<\/span><span>250<\/span><span>500<\/span><span>750<\/span><span>1,000<\/span><\/div>\r\n        <div class=\"gqw-exact-row\">\r\n          <span class=\"gqw-exact-label\">Enter exact number:<\/span>\r\n          <input type=\"number\" class=\"gqw-exact-input\" id=\"gqwExact\" min=\"100\" max=\"1000\" value=\"100\" oninput=\"gqwSyncEx(this.value)\">\r\n        <\/div>\r\n\r\n        <div class=\"gqw-calc\">\r\n          <div class=\"gqw-calc-header\">\r\n            <span class=\"gqw-calc-cur\">Live calculation<\/span>\r\n            <span class=\"gqw-calc-cur-val\" id=\"gqwCalcCur\">\u2014<\/span>\r\n          <\/div>\r\n          <div class=\"gqw-calc-rows\">\r\n            <div class=\"gqw-calc-row\"><span class=\"gqw-calc-rl\">Members<\/span><span class=\"gqw-calc-rv\" id=\"gqwCalcMem\">\u2014<\/span><\/div>\r\n            <div class=\"gqw-calc-row\"><span class=\"gqw-calc-rl\">Cover per member<\/span><span class=\"gqw-calc-rv\" id=\"gqwCalcCov\">\u2014<\/span><\/div>\r\n            <div class=\"gqw-calc-row\"><span class=\"gqw-calc-rl\">Rate per member<\/span><span class=\"gqw-calc-rv\" id=\"gqwCalcRate\">\u2014<\/span><\/div>\r\n          <\/div>\r\n          <div class=\"gqw-calc-div\"><\/div>\r\n          <div class=\"gqw-calc-totals\">\r\n            <div>\r\n              <div class=\"gqw-calc-tl\">Monthly total<\/div>\r\n              <div class=\"gqw-calc-tv\"><sup id=\"gqwCS1\">$<\/sup><span id=\"gqwCMo\">\u2014<\/span><sub>\/mo<\/sub><\/div>\r\n            <\/div>\r\n            <div>\r\n              <div class=\"gqw-calc-tl\">Annual total<\/div>\r\n              <div class=\"gqw-calc-tv\"><sup id=\"gqwCS2\">$<\/sup><span id=\"gqwCAn\">\u2014<\/span><sub>\/yr<\/sub><\/div>\r\n            <\/div>\r\n          <\/div>\r\n        <\/div>\r\n\r\n        <div style=\"height:1.4rem\"><\/div>\r\n        <button class=\"gqw-btn\" onclick=\"gqwGo(3,false)\">Get My Full Quote \u2192<\/button>\r\n      <\/div>\r\n\r\n      <!-- STEP 3: QUOTE -->\r\n      <div class=\"gqw-step\" id=\"gqwS3\">\r\n        <div class=\"gqw-step-eyebrow\">Your instant quote<\/div>\r\n        <div class=\"gqw-step-title\">Here's your group cover quote.<\/div>\r\n        <div class=\"gqw-step-sub\">Rates are locked and guaranteed for 12 months from your policy start date.<\/div>\r\n\r\n        <div class=\"gqw-result\" id=\"gqwResult\">\r\n          <div class=\"gqw-result-badge\">\u2713 Quote ready<\/div>\r\n          <div class=\"gqw-result-rows\">\r\n            <div class=\"gqw-result-row\"><span class=\"gqw-result-rl\">Currency<\/span><span class=\"gqw-result-rv\" id=\"gqwRCur\">\u2014<\/span><\/div>\r\n            <div class=\"gqw-result-row\"><span class=\"gqw-result-rl\">Members covered<\/span><span class=\"gqw-result-rv\" id=\"gqwRMem\">\u2014<\/span><\/div>\r\n            <div class=\"gqw-result-row\"><span class=\"gqw-result-rl\">Cover per member<\/span><span class=\"gqw-result-rv\" id=\"gqwRCov\">\u2014<\/span><\/div>\r\n            <div class=\"gqw-result-row\"><span class=\"gqw-result-rl\">Rate \/ member \/ month<\/span><span class=\"gqw-result-rv\" id=\"gqwRRate\">\u2014<\/span><\/div>\r\n          <\/div>\r\n          <div class=\"gqw-result-div\"><\/div>\r\n          <div class=\"gqw-result-totals\">\r\n            <div>\r\n              <div class=\"gqw-result-tl\">Monthly premium<\/div>\r\n              <div class=\"gqw-result-tv\"><sup id=\"gqwRS1\">$<\/sup><span id=\"gqwRMo\">\u2014<\/span><sub>\/mo<\/sub><\/div>\r\n            <\/div>\r\n            <div>\r\n              <div class=\"gqw-result-tl\">Annual premium<\/div>\r\n              <div class=\"gqw-result-tv\"><sup id=\"gqwRS2\">$<\/sup><span id=\"gqwRAn\">\u2014<\/span><sub>\/yr<\/sub><\/div>\r\n            <\/div>\r\n          <\/div>\r\n        <\/div>\r\n\r\n        <button class=\"gqw-cta\" onclick=\"gqwSignup()\">Get Covered \u2014 Sign Up Now<\/button>\r\n        <button class=\"gqw-adj\" onclick=\"gqwGo(2,true)\">\u2190 Adjust quote<\/button>\r\n        <div class=\"gqw-foot\">Rates fixed for 12 months. Max entry age 70. <a href=\"https:\/\/mutuallife.africa\/group-funeral-cover\/terms\/\">Terms apply.<\/a><\/div>\r\n      <\/div>\r\n\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <!-- FOOTER TRUST BAR -->\r\n  <div class=\"gqw-footer\">\r\n    <div class=\"gqw-footer-item\"><span>\ud83d\udd12<\/span> SSL secured<\/div>\r\n    <div class=\"gqw-footer-item\"><span>\u26a1<\/span> Instant activation<\/div>\r\n    <div class=\"gqw-footer-item\"><span>\ud83d\udccb<\/span> No medical exam<\/div>\r\n    <div class=\"gqw-footer-item\"><span>\ud83d\udcac<\/span> info@mutuallife.africa<\/div>\r\n  <\/div>\r\n\r\n<\/div>\r\n\r\n<script>\r\nvar GQW_R={\r\n  USD:{sym:'$',rate:4.99,cover:'$5,000 USD'},\r\n  GBP:{sym:'\u00a3',rate:4.99,cover:'\u00a35,000 GBP'},\r\n  EUR:{sym:'\u20ac',rate:4.99,cover:'\u20ac5,000 EUR'},\r\n  ZAR:{sym:'R',rate:50,cover:'R15,000 ZAR'}\r\n};\r\nvar gqwSt={cur:null,mem:100};\r\nvar gqwCur=1;\r\n\r\nfunction gqwSelCur(c,s,btn){\r\n  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s+n.toFixed(2).replace(\/\\B(?=(\\d{3})+(?!\\d))\/g,',');\r\n}\r\nfunction gqwFmtBig(n,c){\r\n  if(c==='ZAR')return Math.round(n).toLocaleString('en-ZA');\r\n  return n.toFixed(2).replace(\/\\B(?=(\\d{3})+(?!\\d))\/g,',');\r\n}\r\n\r\nfunction gqwRefCalc(){\r\n  if(!gqwSt.cur)return;\r\n  var c=gqwSt.cur,m=gqwSt.mem,r=GQW_R[c];\r\n  var mo=r.rate*m,an=mo*12;\r\n  document.getElementById('gqwCalcCur').textContent=c;\r\n  document.getElementById('gqwCalcMem').textContent=m.toLocaleString()+' members';\r\n  document.getElementById('gqwCalcCov').textContent=r.cover;\r\n  document.getElementById('gqwCalcRate').textContent=gqwFmt(r.rate,c);\r\n  document.getElementById('gqwCS1').textContent=r.sym;\r\n  document.getElementById('gqwCS2').textContent=r.sym;\r\n  \/\/ flash effect\r\n  ['gqwCMo','gqwCAn'].forEach(function(id){\r\n    var el=document.getElementById(id);\r\n    el.classList.remove('flash');\r\n    void el.offsetWidth;\r\n    el.classList.add('flash');\r\n    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groups. Group Funeral Cover is designed for organisations and large groups Designed for groups of 100 to 1,000 members, our international funeral cover solutions provide scalable protection, cross-border family support, multicurrency flexibility, and reliable claims administration across Africa and global markets. Mutual Life Africa Multicurrency Group Funeral Cover is designed for organisations and large groups requiring reliable funeral protection across multiple countries, currencies, and regions. Structured for groups ranging from 100 to 1,000 members, our solutions support African businesses, diaspora associations, churches, transport groups, employers, investment communities, professional networks, and internationally connected organisations seeking scalable funeral cover with multicurrency accessibility. Cross-border 0 % Covered Countries 0 + African Nationalities 0 What We Do We provide scalable multicurrency funeral cover solutions for established groups and organisations requiring structured member protection across multiple countries and regions. Our solutions are designed for institutions and communities seeking accessible funeral cover with cross-border flexibility, international beneficiary support, and simplified group policy administration. What We Offer Our Group Funeral Cover provides flexible protection options in USD, GBP, EUR, and ZAR for groups with 100 to 1,000 members. Cover structures can support employees, association members, church communities, diaspora groups, transport unions, and cross-border organisations with practical funeral protection designed around large-scale administration and internationally connected member bases. Why Organisations Choose Us Organisations choose Mutual Life Africa because we understand the realities of managing large African communities and cross-border member structures. Our solutions are built to provide reliable funeral protection that works across countries, currencies, and family networks while maintaining simple administration, dependable support, and scalable long-term accessibility for growing groups and institutions. Get an instant quote Group Funeral CoverCalculate your premium in 60 seconds Select your currency, enter your group size, and get a guaranteed quote. No forms, no waiting, no sales calls. \ud83d\udee1\ufe0f Per member pricing \u26a1 Instant quote \u2705 No medical checks \ud83c\udf0d 100\u20131,000 members 1 Currency 2 Group size 3 Your quote Step 1 of 3 What currency do you want to pay in? Premiums and payouts will be in this currency. Each plan is independently underwritten \u2014 no cross-currency conversion applied. \ud83c\uddfa\ud83c\uddf8 USD US Dollar $4.99 \/ member \/ mo \ud83c\uddec\ud83c\udde7 GBP British Pound \u00a34.99 \/ member \/ mo \ud83c\uddea\ud83c\uddfa EUR Euro \u20ac4.99 \/ member \/ mo \ud83c\uddff\ud83c\udde6 ZAR South African Rand R50 \/ member \/ mo Continue to Group Size \u2192 Step 2 of 3 How many members are in your group? One flat rate per member. Minimum 100. Maximum 1,000 per policy. 100 members in your group 1002505007501,000 Enter exact number: Live calculation \u2014 Members\u2014 Cover per member\u2014 Rate per member\u2014 Monthly total $\u2014\/mo Annual total $\u2014\/yr Get My Full Quote \u2192 Your instant quote Here&#8217;s your group cover quote. Rates are locked and guaranteed for 12 months from your policy start date. \u2713 Quote ready Currency\u2014 Members covered\u2014 Cover per member\u2014 Rate \/ member \/ month\u2014 Monthly premium $\u2014\/mo Annual premium $\u2014\/yr Get Covered \u2014 Sign Up Now \u2190 Adjust quote Rates fixed for 12 months. Max entry age 70. Terms apply. \ud83d\udd12 SSL secured \u26a1 Instant activation \ud83d\udccb No medical exam \ud83d\udcac info@mutuallife.africa Group Funeral Cover Who We Cover One premium. One life covered. Group cover is charged per member \u2014 simple, transparent, and consistent across your entire organisation. 01\ud83d\udc64The MemberEach enrolled member receives individual funeral cover. Any employee, community member, or group participant aged 18\u201370.One person per premium 02\ud83d\udcb0Fixed Cash PayoutA fixed lump sum paid directly to the member&#8217;s nominated beneficiary upon death. No committee decisions. No delays.$5k \u00b7 \u00a35k \u00b7 \u20ac5k \u00b7 R15k 03\ud83d\udee1\ufe0fFlat Rate PremiumEvery member pays the same rate regardless of age or health. No individual underwriting, no medical questions, no exclusions.$4.99 \u00b7 \u00a34.99 \u00b7 \u20ac4.99 \u00b7 R50\/mo 04\ud83c\udfe2Group Size100 to 1,000 members per group. One policy. One invoice. One administrator managing it all.100\u20131,000 members \u2708\ufe0fRepatriation IncludedZAR plans cover Africa. USD, GBP and EUR cover international repatriation. \u2705Guaranteed AcceptanceNo individual medical underwriting. Every group member accepted at enrolment. \ud83d\udccbNo Individual FormsOne group contract covers all members. No separate approvals per person. \ud83d\udd04Add or Remove AnytimeMembers can be added or removed at any time. Invoice updates automatically. Waiting period\u2713 Accidental death \u2014 immediate\u23f1 Natural causes \u2014 6 months Is This For You? Who Should Get Group Cover Built for organisations that want to protect their people \u2014 a flat rate per member, no individual applications, no medical checks. \ud83c\udfe2Employers &amp; HR TeamsAdd funeral cover to your staff benefits package. One invoice covers your entire workforce at R50 or $4.99 per employee per month.&#8221;A benefit your staff will notice and remember.&#8221; \ud83c\udf0dDiaspora &amp; Community AssociationsYour members already pool resources for funerals. Formalise it with a group policy \u2014 guaranteed payout, no collections after the fact.&#8221;Turn the collection into a policy that pays before you ask.&#8221; \u26eaChurches &amp; Faith CommunitiesGroup cover means the money is there when needed \u2014 not fundraised after the fact. Every congregation member covered individually.&#8221;Be ready before the need arises.&#8221; \ud83e\udd1dStokvels &amp; Burial SocietiesReplace informal pools with a formal underwritten policy. R50 per member per month. No committee decisions on who gets paid or how much.&#8221;Formal cover. Informal community. Both, together.&#8221; \ud83c\udf31NGOs &amp; Non-ProfitsCover every staff member individually. Demonstrate duty of care to donors, boards, and the communities you serve.&#8221;Protect the people doing the protecting.&#8221; \ud83c\udf93Schools &amp; UniversitiesStaff benefit or student welfare programme. One flat rate per person \u2014 no individual forms, no medical checks.&#8221;A welfare benefit that shows you mean it.&#8221; \ud83d\udd4a\ufe0fFuneral Homes &amp; UndertakersCover your own staff under a group scheme \u2014 separate from the families you serve. Same flat rate, same guaranteed payout.&#8221;Cover the people behind the service.&#8221; \ud83d\udeabNot eligible: Insurance &amp; Financial ServicesNot available to brokers, resellers, underwriters, or any entity redistributing this cover as a product. For partnership enquiries: info@mutuallife.africa Open to All Who Can Join a Group Scheme We do not discriminate by nationality, residency, religion, or background. If your group is anywhere<\/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-13194","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/mutuallife.africa\/za\/wp-json\/wp\/v2\/pages\/13194","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/mutuallife.africa\/za\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/mutuallife.africa\/za\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/mutuallife.africa\/za\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/mutuallife.africa\/za\/wp-json\/wp\/v2\/comments?post=13194"}],"version-history":[{"count":15,"href":"https:\/\/mutuallife.africa\/za\/wp-json\/wp\/v2\/pages\/13194\/revisions"}],"predecessor-version":[{"id":14630,"href":"https:\/\/mutuallife.africa\/za\/wp-json\/wp\/v2\/pages\/13194\/revisions\/14630"}],"wp:attachment":[{"href":"https:\/\/mutuallife.africa\/za\/wp-json\/wp\/v2\/media?parent=13194"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}