Provider reviews
Metropolitan Funeral Cover
By Lindiwe Khumalo · 5 min read · Updated 24 June 2026
- Underwriter
- Metropolitan Life (Momentum Metropolitan)
- Typical cover
- R5,000 to R50,000 per life
- Typical premium range
- From around R40 to R350+ a month
- Waiting period
- Usually 6 months for natural death, none for accidental
- Cash-back
- Available on some plans
Metropolitan funeral cover is an everyday funeral policy from the Momentum Metropolitan group, paying a cash lump sum of roughly R5,000 to R50,000 per life, with a waiting period of about 6 months for natural death, none for accidental death, and cash-back on some plans. Its funeral cover pays a cash lump sum on death and is widely sold through advisers and branches.
Metropolitan suits people who want an affordable, accessible plan from a familiar brand. The figures below are indicative - confirm current premiums and terms with Metropolitan.
What Metropolitan offers
Metropolitan funeral plans pay a cash benefit on death, with options to cover a spouse, children and extended family. Some plans offer cash-back if you pay premiums for a set period without claiming. Metropolitan focuses on accessible, everyday cover sold through advisers and branches.
How Metropolitan funeral cover compares
Here is how Metropolitan funeral cover stacks up on the structural features that matter, stated in general, indicative terms.
| Feature | Metropolitan |
|---|---|
| Underwriter | Metropolitan Life (Momentum Metropolitan) |
| Typical cover range | About R5,000 to R50,000 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 | Up to a set age |
| Cash-back / payback | Cash-back on some plans |
| 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 R5,000 to R50,000 per life. Premiums depend on age, cover and number of lives, starting around R40 a month for basic single cover. These figures are guides, not quotes.
Waiting periods
Metropolitan generally applies a waiting period of around six months for natural death and none for accidental death. Read the policy schedule so you know when each life is covered and how cash-back, if included, is calculated.
Who it suits and pros and cons
Metropolitan suits families wanting affordable cover from an established brand with adviser support. Pros: accessible and affordable; cash-back on some plans; extended family options. Cons: cover amounts can be lower than premium plans; premiums rise with age; honest disclosure is essential.
How to claim and get a quote
To claim, contact Metropolitan and submit the death certificate, IDs, policy number and bank details. For a quote, go directly to Metropolitan via its website, a branch or an adviser. We do not broker cover - compare premium, cover, waiting period and cash-back before deciding.
Frequently asked questions
How much is Metropolitan funeral cover?
Basic single cover can start around R40 a month, with family plans costing more. Get a quote from Metropolitan for exact pricing based on age and cover.
Does Metropolitan offer cash-back funeral cover?
Some Metropolitan plans pay cash-back if you pay premiums for a set period without claiming. Ask which plan includes this feature.
What is the Metropolitan waiting period?
Usually about six months for natural death and none for accidental death. Confirm the exact period in your policy.
How do I claim from Metropolitan?
Contact Metropolitan, then submit the death certificate, the deceased's ID, the policy number and the claimant's bank details.
Can I add extended family to Metropolitan cover?
Yes, most Metropolitan plans allow extended family up to a set age and at an added premium.
Is Metropolitan funeral cover affordable?
It is positioned as accessible, everyday cover. Compare premiums and cover amounts with other affordable plans to confirm it fits your budget.
