Are You Funeral-Ready? A Simple 7-Step Checklist for Every South African

Planning your funeral might not be something you want to think about — but it’s one of the most important gifts you can give your family. The right cover, clear instructions, and a few key updates can save your loved ones time, stress, and money when it matters most.

Here’s your essential 7-step funeral planning checklist to make sure you’re truly prepared.

✅ 1. Review Your Policy Cover Regularly

Is your current funeral cover still enough? Prices go up over time, and what was a suitable payout five years ago may not meet your family's needs today. Review your policy annually to check that:

• Your cover amount is realistic for your current expectations.
• The premiums still fit your budget.
• The type of benefit (cash or service) matches your preference.

🟩Tip: At Legal&Tax, we can help you adjust your cover if your needs or affordability change.

✅ 2. Keep Your Beneficiaries and Dependants Updated

One of the most common reasons for delayed or disputed funeral payouts is outdated information.

• Beneficiaries: Make sure the people listed are still correct and that their contact details are up to date.
• Dependants: If you’ve had a child, taken on a dependent relative, or had a change in relationship status, be sure your policy reflects that.

🟩Tip: Even if you trust your family to “sort it out,” the insurer will follow what’s officially recorded.

✅ 3. Understand Your Policy’s Fine Print

Every policy has terms and conditions. Key things to double-check include:

• Waiting Periods: Some claims (especially for natural death) require a waiting period before they’re valid.
• Exclusions: Certain causes of death (e.g. suicide within the first year) may not be covered.
• Claim Process: Know who can claim and what documents will be needed.

🟩Tip: Keep a copy of your policy with a claims checklist in your Red File (more on that below).

✅ 4. Know What You’re Actually Buying

Is your policy paying out cash, or is it a service-based plan (like a funeral home package)? According to industry regulation (PPR 10.4.13), policies must clearly state whether they offer:

• A lump sum payout; or
• A service, like a coffin, transport, or burial.

🟩Tip: Cash gives your family flexibility. Know what yours includes.

✅ 5. Have a Valid Will — and Keep It Accessible

If you pass away without a valid will, your estate will be distributed according to South African law — not your personal wishes. This can create family conflict and delays in accessing funds.

🟩Tip: Legal&Tax can help you draft a legally valid will. Make sure it’s signed, witnessed, and stored safely (and share the location with your family).

✅ 6. Create a Red File or Digital Folder

Your Red File is a single place where all your important documents live. It should include:

• A copy of your funeral policy
• ID copies
• Will and estate documents
• A list of beneficiaries
• Contact info for your insurer, lawyer, or advisor
• Any special wishes or instructions

🟩Tip: A digital version (shared with someone you trust) is a great backup. Don’t leave your loved ones scrambling.

✅ 7. Update When Life Changes

Got married? Had a child? Changed your surname? Got a new phone number? These life events matter when it comes to your funeral policy.

🟩Tip: Make it a habit to review your policy once a year — perhaps around your birthday or at tax season.

🟣 In Closing:

Funeral cover is more than a policy — it’s peace of mind.
Make sure your plan is up to date, your documents are in order, and your loved ones know what to do.

📞Need help reviewing your funeral cover, updating your details, or drafting a will?
We’re here for you.
Call us, chat via WhatsApp, or speak to your Legal&Tax advisor today.

With Legal&Tax you’re not alone

What if your memory was honoured without financial strain?

💬 WhatsApp: +27 (71) 526 8527 (type "Hi" to start chatting).

☎️ Call: 0860 587 587

✉️Email: info@legalandtax.co.za