Provider reviews
Momentum Funeral Cover
By Lindiwe Khumalo · 4 min read · Updated 24 June 2026
- Underwriter
- Momentum (Momentum Metropolitan)
- Typical cover
- R10,000 to R100,000 per life
- Typical premium range
- From around R50 to R450+ a month
- Waiting period
- Usually 6 months for natural death, none for accidental
- Wider products
- Life, investment and health products available
Momentum funeral cover is a funeral policy from the Momentum Metropolitan group, paying a cash lump sum of roughly R10,000 to R100,000 per life, with a waiting period of about 6 months for natural death, none for accidental death, and the option to bundle with other Momentum products. Its plans pay a cash lump sum on death.
Momentum suits people who want a large insurer and may hold other Momentum products. The figures below are indicative - confirm current premiums and terms with Momentum.
What Momentum offers
Momentum funeral cover pays a cash benefit on death and can cover a partner, children and extended family. As a large insurer, Momentum also offers life, investment and health products, so you can hold funeral cover alongside other plans if it suits you.
How Momentum funeral cover compares
Here is how Momentum funeral cover stacks up on the structural features that matter, stated in general, indicative terms.
| Feature | Momentum |
|---|---|
| Underwriter | Momentum (Momentum Metropolitan) |
| 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 | Set age limits apply |
| 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. These are guides, not quotes.
Waiting periods
Momentum generally applies a waiting period of about six months for natural death and none for accidental death. Read the policy so you understand when cover starts and how it sits alongside any other Momentum products.
Who it suits and pros and cons
Momentum suits people who want a large insurer and the option to bundle products. Pros: big regulated insurer; extended family options; wider product range. Cons: can be pricier than no-frills cover; premiums rise with age; disclose honestly to avoid disputes.
Frequently asked questions
How much is Momentum funeral cover?
Premiums often start around R50 a month and rise with age and cover. Get a quote from Momentum for accurate pricing.
What is the Momentum funeral cover waiting period?
Usually about six months for natural death and none for accidental death. Confirm the exact period in your policy.
Can I add family to Momentum funeral cover?
Yes, most plans allow a partner, children and extended family up to set age limits and at an added premium.
How do I claim from Momentum?
Contact Momentum and submit the death certificate, the deceased's ID, the policy number and the claimant's bank details.
Can I combine Momentum funeral and life cover?
Yes, Momentum offers both, so you can hold funeral cover alongside life and other products with the same insurer.
Is Momentum funeral cover worth it?
It is solid if you value a large insurer and bundling. Compare premiums with simpler plans if you only need basic cover.
