A Final Act of Love

Planning for funeral expenses prevents financial hardship, allowing families to focus on mourning while preserving cultural and personal traditions.

Darren Cohen - General Manager

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4 February 2025

February, often celebrated as the month of love, is a time when we express affection and appreciation for those we hold dear. While we typically focus on romantic gestures and heartfelt tokens, true love also encompasses the foresight to protect and provide for our loved ones, even beyond our lifetime. One profound way to demonstrate this enduring care is by planning ahead with funeral cover, ensuring that our families are spared from financial burdens during their time of grief.

The Financial Reality of Funerals in South Africa

Funerals in South Africa can be surprisingly costly, with expenses varying based on cultural customs, location, and personal preferences. Which means, funerals can range from tens to hundreds to thousands of Rands. These costs can escalate further when considering additional services such as transportation, venue hire, and floral arrangements - read our recent article "Calculating the true cost of funeral plans". While we try to understand the true cost of funeral plans, the reality is that South Africa is one of the most expensive places to die.

Funeral Cover: An Act of Love and Responsibility

Securing funeral cover is more than a financial decision; it's a heartfelt commitment to those we cherish. By investing in a funeral plan as an individual or for your family, you can:

Alleviate Financial Stress: Funeral cover ensures that your family isn't burdened with unexpected expenses during an already challenging time. This allows them to focus on mourning and celebrating your life without the added pressure of financial strain.
Preserve Dignity and Tradition: With adequate funeral cover, families can honour cultural and personal traditions without compromising due to financial constraints. This includes accommodating specific rites, ceremonies, or gatherings that hold significant meaning.
Avoid Debt and Financial Hardship: Without proper funeral cover, families may resort to high-interest loans or credit card debts to cover funeral costs, leading to long-term financial challenges. Ensuring you have sufficient cover prevents such scenarios.

Speak to one of our product specialists to aid you in choosing the right funeral plan.

Understanding Your Funeral Cover Options

When considering funeral cover, it's essential to select the right funeral plan at Legal&Tax that aligns with your needs and budget. Legal&Tax funeral plans provide key aspects that include:

Comprehensive Plans: You can opt for Trauma Assist. In times of loss, emotional support is just as crucial as financial assistance. Legal&Tax’s Trauma Assist service offers immediate emotional support and counselling to help families cope with the psychological impact of losing a loved one.
Cash Payouts: Our funeral policy provides a cash payout within 24 hours from the moment you claim documents are received and approved providing your family with the flexibility to manage expenses as they have planned.
Cover for accidents: We also offer Accidental Death Cover that provides an additional payout of R10 000 in the unfortunate event that you or someone covered by your policy passes away due to an accident. This extra support can be invaluable in covering unforeseen costs brought on by an accidental death.
Call costs: Lastly, organising a funeral involves numerous phone calls and coordination efforts. To assist with this process, Legal&Tax provides a once-off airtime voucher, the value of which varies depending on your plan.

Planning with Love: Steps to Take Today

It’s always a difficult matter to face, but far better that than being caught off-guard and unprotected. To ensure that your funeral cover serves as a true testament of your love and foresight:

Assess Your Needs: Evaluate your family's financial situation and consider the type of funeral service that aligns with your cultural and personal preferences. This assessment will guide you in determining the appropriate level of cover.
Compare Plans: Speak to one of our product specialists about the funeral cover plans that Legal&Tax offers.
Prepare Documentation: Once you've selected a policy, ensure that all relevant documents are organised and accessible. To start preparing for the worst case scenario like death, you can put together a “Red File”. Inform your family about the details of this file to help them prepare for worst case scenario.

With Legal&Tax you’re not alone

By proactively securing funeral cover, you're providing your family with the gift of peace of mind. This thoughtful preparation allows them to honour your memory without the added worry of financial strain. It's a lasting testament to your love and consideration, ensuring that your legacy is preserved with dignity and respect.