Provider reviews
Safrican Funeral Cover
By Lindiwe Khumalo · 4 min read · Updated 24 June 2026
- Underwriter
- Safrican (Sanlam group)
- Typical cover
- R5,000 to R50,000 per life
- Typical premium range
- From around R40 to R300+ a month
- Waiting period
- Usually 6 months for natural death, none for accidental
- Group cover
- Stokvels, burial societies and employer groups
Safrican funeral cover, part of the Sanlam group, is a funeral policy for individuals and groups such as stokvels and burial societies, paying roughly R5,000 to R50,000 per life, with a waiting period of about 6 months for natural death and none for accidental death. It pays a cash benefit on death.
Safrican suits individuals and groups wanting straightforward funeral cover from a Sanlam-linked insurer. The figures below are indicative - confirm current premiums and terms with Safrican.
What Safrican offers
Safrican funeral cover pays a cash benefit on death for individuals, families and groups. It is well known for group schemes covering stokvels, burial societies and employees, as well as individual policies. Being part of the Sanlam group, it has a large insurer behind it.
How Safrican (Sanlam group) funeral cover compares
Here is how Safrican (Sanlam group) funeral cover stacks up on the structural features that matter, stated in general, indicative terms.
| Feature | Safrican (Sanlam group) |
|---|---|
| Underwriter | Safrican, Sanlam group |
| 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, plus stokvel and burial-society schemes |
| Extended family option | Set age limits apply |
| Cash-back / payback | Varies by plan or scheme - 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 R5,000 to R50,000 per life, with group rates for schemes. Premiums depend on age, cover and lives, starting around R40 a month for basic single cover. These are guides, not quotes.
Waiting periods
Safrican generally applies a waiting period of about six months for natural death and none for accidental death. Group schemes may have their own rules, so read the scheme terms or your individual policy carefully.
Who it suits and pros and cons
Safrican suits individuals and especially groups like stokvels and burial societies wanting formal cover. Pros: Sanlam group backing; strong group and scheme options; affordable individual cover. Cons: individual cover amounts can be modest; group terms vary; disclose honestly to avoid disputes.
Frequently asked questions
How much is Safrican funeral cover?
Basic single cover can start around R40 a month, with group rates for schemes. Get a quote from Safrican for accurate pricing.
Does Safrican cover stokvels and burial societies?
Yes, Safrican specialises in group cover for stokvels, burial societies and employer groups, as well as individual policies.
What is the Safrican waiting period?
Usually about six months for natural death and none for accidental death. Group schemes may differ, so check the scheme terms.
Who underwrites Safrican funeral cover?
Safrican is part of the Sanlam group, so a large insurer stands behind its policies and schemes.
How do I claim from Safrican?
Contact Safrican or your scheme administrator and submit the death certificate, the deceased's ID, the policy or scheme details and the claimant's bank details.
Is Safrican good for a burial society?
Yes, formalising a burial society through Safrican adds insurer backing and clear terms. Compare it with running an informal society on its own.
