Funeral Cover

Add a beneficiary to your policy so that we can pay directly to them. You can do this by calling our customer services team on 086 100 VIVA (8482) or via email to support@vivalife.co.za.

In the event of your death, your beneficiary will need to contact us by emailing claims@vivalife.co.za or calling 086 100 VIVA(8482). We will request the relevant documents, to ensure the claim is assessed efficiently.

We require notification of death within 90 (ninety) days of it happening. If we are not informed within that time, the claim could be repudiated.

• That your premiums are up to date
• Correct and completed claims documents.

• We allow 90 (ninety) days from the date of the communication of our decision for your beneficiary or estate to question our decision on a claim.
• Should we repudiate the claim again and they wish to start a legal process or log a complaint with the Long-term Insurance Ombud, they will have an additional 180 days, after the 90-day period, to do so.

Premiums are payable in advance on the selected debit order date. Your premiums are subject to change, depending on the claims, expense and investment experience of Viva Life Insurance Limited.Premiums will increase annually due to inflation

We will communicate any changes in premiums to you with a 31-day notice.

If you have any issues or questions about your cover, feel free to call us on 086 100 VIVA (8482), or email us on support@vivalife.co.za to get more information on the policy.

We appreciate you as a client, so if at any point you are unhappy with our service or product, please contact us using the following:

• You must have a valid South African Identity Document.
• You must be over 18 years and not older than 65 years on your next birthday to be eligible for cover.
• We will not pay out if your death or disability is as result of deliberate involvement in an illegal act, riot, civil commotion, terrorist attack, or war.
• Your premiums will be renewed and reviewed monthly.
• There is a 6-month claim waiting period on your policy and we will not pay out if your death is not as a result of an accident.
• Cover is limited per insured child as follows:
  • For stillborn children (after 28 weeks of pregnancy), 10% of the sum assured
  • Children up to the age of 6 years, 25% of the sum assured
  • Children older than 6 and up to the age of 14 years, 50% of the sum assured

Many individuals prefer to postpone the purchase of any insurance until such a time that they have dependents. It is important to ask yourself if anyone will suffer financially if you were to die. It would be unwise to delay purchasing such insurance.

Cover begins once your application has been approved by the insurance company and your first premium due, has been paid.

Should you miss a payment for any reason, we will collect a double debit order the following month for up to a maximum of 3 months. If your policy lapse and you would like to reinstate and resume payments, waiting periods would reapply.

The proceeds from an insurance policy are not taxable because of their nature. The proceeds are of a capital nature and are therefore not taxable as income. All proceeds that are of a capital nature are subject to Capital Gains Tax. However, the proceeds from insurance are exempt from Capital Gains Tax.

There are no waiting periods if your death is as a result of an accident. However there is a 6-month waiting period in the event of death due to natural causes.

Your beneficiary can receive payment within 48 hours of the claim. Promptness of payment is dependent on the correct documentation being supplied to us.