Provider reviews
FNB Funeral Cover
By Lindiwe Khumalo · 5 min read · Updated 24 June 2026
- Sold by
- FNB (insurer-underwritten)
- Typical cover
- R10,000 to R100,000 per life
- Typical premium range
- From around R50 to R400+ a month
- Waiting period
- Usually 6 months for natural death, none for accidental
- How it is sold
- FNB app and online
FNB funeral cover is a bank-sold funeral policy underwritten by an insurer partner, paying roughly R10,000 to R100,000 per life, with a waiting period of about 6 months for natural death, none for accidental death, taken out and managed mainly in the FNB app. Premiums come off your account and you manage the policy digitally.
FNB suits existing clients who want quick app-based cover. The figures below are indicative - confirm current premiums and terms in the FNB app.
What FNB offers
FNB funeral cover pays a cash benefit on death and can cover a partner, children and extended family. It is sold by the bank and underwritten by an insurer partner. You take it out and manage it in the FNB app, with premiums debited from your account.
How FNB (insurer-underwritten) funeral cover compares
Here is how FNB (insurer-underwritten) funeral cover stacks up on the structural features that matter, stated in general, indicative terms.
| Feature | FNB (insurer-underwritten) |
|---|---|
| Underwriter | Insurer partner, sold by FNB |
| Typical cover range | About R10,000 to R100,000 per life |
| Natural-death waiting period | About 6 months |
| Accidental death cover | Covered from day one |
| Maximum entry age | Yes, on most plans |
| Extended family option | Entry age limits apply - confirm in the app |
| Cash-back / payback | Varies by plan - confirm |
| Payout time | Usually within 24 to 48 hours for a valid claim |
Figures are indicative - confirm current terms with the provider before you sign.
Indicative cover amounts and premiums
Cover usually ranges from about R10,000 to R100,000 per life. Premiums depend on age, cover and lives insured, often starting around R50 a month. The app shows your exact premium before you confirm. These are illustrative figures, not quotes.
Waiting periods and age limits
FNB funeral cover generally has a waiting period of about six months for natural death and none for accidental death. Entry age limits apply and older entrants pay more. Read the policy in the app so you know the limits and when cover starts.
Who it suits and pros and cons
FNB suits clients who like app-based cover with premiums off their account. Pros: fast digital sign-up; convenient management; extended family options. Cons: cover lapses if the debit bounces; you self-serve through the app; disclose honestly to avoid claim disputes.
How to claim and get a quote
To claim, use the FNB app or official contact channels and submit the death certificate, IDs and bank details. For a quote, go directly to FNB in the app or online. We do not sell cover - compare premium, cover and waiting period before deciding.
Frequently asked questions
How much is FNB funeral cover?
Premiums often start around R50 a month and rise with age and cover. The FNB app shows your exact premium before you confirm.
What is the FNB funeral cover age limit?
Entry age limits apply and older entrants pay higher premiums. Check the limit in the FNB app for the plan you want.
What is the FNB funeral cover waiting period?
Usually about six months for natural death and none for accidental death. Confirm the exact period when you take out the policy.
How do I claim FNB funeral cover?
Use the FNB app or official channels and submit the death certificate, the deceased's ID and the claimant's bank details.
Where can I find the FNB funeral cover brochure?
The official FNB app and website carry the latest plan details. Be cautious with third-party PDFs that may be out of date.
Is FNB funeral cover worth it?
It is convenient for FNB clients. Compare the premium, cover and waiting period with standalone insurers before you decide.
