Provider reviews
Pep Funeral Cover
By Lindiwe Khumalo · 4 min read · Updated 24 June 2026
- Sold by
- Pep (insurer-underwritten)
- Typical cover
- R5,000 to R50,000 per life
- Typical premium range
- From around R30 to R250+ a month
- Waiting period
- Usually 6 months for natural death, none for accidental
- Pensioners
- Plans marketed for pensioners and older entrants
Pep funeral cover is a low-cost funeral policy sold in Pep stores and underwritten by an established insurer, paying roughly R5,000 to R50,000 per life, with a waiting period of about 6 months for natural death, none for accidental death, and plans marketed for pensioners. It is aimed at low-cost, easy-to-buy cover.
Pep cover suits people who want cheap cover arranged in store, including for older parents. The figures below are indicative - confirm current premiums and the underwriter in store.
What Pep offers
Pep funeral cover is sold in-store and underwritten by an established insurer. It markets affordable plans, including cover aimed at pensioners and older entrants, with options to add family. Check the policy document for the named underwriter and the full terms.
How Pep (insurer-underwritten) funeral cover compares
Here is how Pep (insurer-underwritten) funeral cover stacks up on the structural features that matter, stated in general, indicative terms.
| Feature | Pep (insurer-underwritten) |
|---|---|
| Underwriter | Established insurer, sold by Pep |
| 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, including pensioner plans |
| Extended family option | Pensioner-friendly, set limits - confirm in store |
| 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 prices
Cover usually ranges from about R5,000 to R50,000 per life, with premiums from around R30 a month for basic single cover. Cover for pensioners and family plans costs more. These are guides, not quotes - get the exact premium in store.
Waiting periods and claims
Pep-sold funeral cover generally has a waiting period of about six months for natural death and none for accidental death. To claim, follow the contact details on your policy document and submit the death certificate, IDs and bank details.
Who it suits and pros and cons
Pep cover suits people wanting very affordable cover bought in store, including for older parents. Pros: low premiums; easy in-store sign-up; pensioner-friendly options; insurer-backed. Cons: modest cover amounts; you must read terms yourself; disclose honestly and keep premiums paid to avoid claim problems.
Frequently asked questions
How much is Pep funeral cover?
Premiums can start around R30 a month for basic cover, rising for pensioners and family plans. Get the exact premium in a Pep store.
Does Pep offer funeral cover for pensioners?
Yes, Pep markets plans aimed at pensioners and older entrants. Premiums for older entrants are higher and cover may be capped, so check the terms.
Who underwrites Pep funeral cover?
An established insurer underwrites it. The policy document names the underwriter, so check it when you take out the cover.
Does Pep funeral cover have a waiting period?
Yes, usually about six months for natural death and none for accidental death. Confirm the exact period in your policy.
How do I claim Pep funeral cover?
Use the contact details on your policy document and submit the death certificate, the deceased's ID and the claimant's bank details.
Is Pep funeral cover good for older parents?
It can be a low-cost option for older parents. Compare premiums and waiting periods with other pensioner-friendly plans before deciding.
