How much is Sanlam funeral cover per month?

Around R45–R100 a month for R10,000 of single cover, and R300–R510 for R50,000 of family cover. Optional benefits like grocery or repatriation cover add to that.

Is Capitec funeral cover the same as Sanlam?

Capitec's funeral plan is underwritten by Sanlam, but it is a distinct, lower-cost product sold without adviser commission. The claims-paying insurer is the same; the price and features are not.

Sanlam Sky is Sanlam's mass-market division offering simplified, lower-premium funeral and life products, typically sold through branches, agents and employer groups.

Does Sanlam funeral cover pay out within 48 hours?

Yes, for valid claims with complete documentation. Delays are almost always caused by missing certified documents rather than by the assessment itself.

Funeral Cover · Provider comparison

Sanlam funeral cover: premiums, benefits and how it compares

Sanlam is one of the largest insurers on the continent and underwrites funeral cover both under its own brand and on behalf of partners such as Capitec. Buying directly from Sanlam gets you a wider product range — more cover tiers, more add-ons and adviser support — while the partner-branded versions of similar cover are often cheaper. Knowing that distinction is the single most useful thing when pricing Sanlam.

At a glance

Cover generally from R5,000 up to R100,000 per life.
Sanlam Sky serves the lower-premium mass market with simplified products.
Optional grocery, memorial and repatriation benefits on selected plans.
Adviser network plus direct online purchase.

Sanlam funeral cover prices

Indicative South African market ranges. Your own quote depends on age, location and the exact cover you choose.

Cover	Typical premium	Notes
R10,000 single	R45 – R100 / month	Varies widely by plan and channel.
R30,000 family	R175 – R330 / month	Main member, spouse, children.
R50,000 family	R300 – R510 / month	Add-ons increase this materially.
R100,000 family	R560 – R1,050 / month	Extended family priced by age.

Waiting periods and when cover starts

6 months for natural causes on most plans.
No waiting on accidental death.
12 months for suicide.
Waiting periods may be reduced when replacing a comparable in-force policy.

How to claim from Sanlam

Claim through a Sanlam adviser, the contact centre or online.
Provide the certified death certificate, DHA-1663, IDs and beneficiary banking details.
Complete claims are typically settled within 48 hours.
Repatriation and grocery benefits, where selected, are claimed at the same time.

Sanlam pros and cons

What works well

Very large, financially strong insurer with a long payout history.
Widest range of cover tiers and optional benefits in this comparison.
Adviser support for families who want cover structured properly.
Sanlam Sky provides genuinely low-premium options.

What to watch

Direct Sanlam-branded cover can cost more than the same underwriting sold via Capitec.
Optional benefits make plan comparison harder — always compare on cash cover first.
Age-rated entry premiums penalise late joiners.

Alternatives to Sanlam

Capitec: Sanlam-underwritten cover at a lower, no-commission price point.
AVBOB: Free funeral service benefit alongside the payout.
Metropolitan: Strong value for family and community-based cover.

Compare Sanlam against the rest of the market

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Sanlam funeral cover: frequently asked questions

Other funeral cover providers compared

Old Mutual funeral coverPrices, waiting periods and alternatives Capitec funeral coverPrices, waiting periods and alternatives AVBOB funeral coverPrices, waiting periods and alternatives Standard Bank funeral coverPrices, waiting periods and alternatives Hollard funeral coverPrices, waiting periods and alternatives Metropolitan funeral coverPrices, waiting periods and alternatives Clientèle funeral coverPrices, waiting periods and alternatives

CompareQuotes.co.za is an independent comparison service and is not affiliated with Sanlam. Premium ranges are indicative South African market estimates for general guidance only and are not a quote or financial advice. Always confirm the benefits, exclusions and waiting periods in the provider's policy schedule.