Funeral cover
So that one day, money is the last thing on your mind.
Cover for one person from R120 a month, or for you, your spouse and up to eight children from R160. When the day comes, the funeral itself is arranged and conducted by us.
The collection
Five plans, one standard of care.
Heritage, Regal and Sovereign share the same entry ages and waiting period, so you can move between them without starting again.
Keystone
One person
R120a month
R20 000 of cover
View planHeritage
You, your spouse and children
R160a month
R15 000 of cover
View plan
Most chosenRegal
You, your spouse and children
R220a month
R20 000 of cover
View plan
Sovereign
You, your spouse and children
R280a month
R30 000 of cover
View plan
Ancestry
For parents and grandparents
R350a month
R20 000 of cover
View planPhotographs from SamWill services, shown with the families’ permission. What each plan includes differs — the full inclusions are set out plan by plan.
Side by side
The plans, compared.
| Keystone | Heritage | Regal | Sovereign | Ancestry | |
|---|---|---|---|---|---|
| Who it covers | One person | You, your spouse and children | You, your spouse and children | You, your spouse and children | For parents and grandparents |
| Monthly premium | R120 | R160 | R220 | R280 | R350 |
| Cover | R20 000 | R15 000 | R20 000 | R30 000 | R20 000 |
| Entry ages | 18 to 64 | 18 to 64 | 18 to 64 | 18 to 64 | 65 to 74 |
| Waiting period | 6 months, natural causes | 6 months, natural causes | 6 months, natural causes | 6 months, natural causes | 9 months, natural causes |
| Accidental death | Covered from the start | Covered from the start | Covered from the start | Covered from the start | Covered from the start |
| Suicide | Covered after 24 months | Covered after 24 months | Covered after 24 months | Covered after 24 months | Covered after 24 months |
One person
Keystone
Cover for one person, with a full R20 000 funeral.
R120a month
R20 000 of cover
- Covers the principal member only
- R20 000 funeral service delivered by SamWill
- Premium hearse and family vehicles
- Wider coffin and casket selection
- Full tent, chairs, sound and decor
- Programme and order of service printing
- Entry ages
- 18 to 64
- Waiting period
- 6 months
- Accidental death
- From the start
You, your spouse and children
Heritage
Cover for the whole family, with dignity at its heart.
R160a month
R15 000 of cover
- Principal member, spouse and up to 8 children
- Funeral service delivered by SamWill
- Standard hearse and one family vehicle
- Coffin and casket selection
- Tent, chairs and sound for the service
- Programme printing
- Entry ages
- 18 to 64
- Waiting period
- 6 months
- Accidental death
- From the start
You, your spouse and children
Regal
Cover and dignity in balance.
R220a month
R20 000 of cover
- Principal member, spouse and up to 8 children
- Enhanced funeral package
- Premium hearse and family vehicles
- Wider coffin and casket selection
- Full tent, chairs, sound and decor
- Programme and order of service printing
- Entry ages
- 18 to 64
- Waiting period
- 6 months
- Accidental death
- From the start
You, your spouse and children
Sovereign
The full SamWill service, with no compromise.
R280a month
R30 000 of cover
- Principal member, spouse and up to 8 children
- Our fullest funeral package
- Full fleet escort
- Premium coffin and casket range
- Full programme, decor and catering option
- Floral tribute included
- Entry ages
- 18 to 64
- Waiting period
- 6 months
- Accidental death
- From the start
For parents and grandparents
Ancestry
Cover for parents and grandparents, aged 65 to 74.
R350a month
R20 000 of cover
- Cover from age 65 to 74
- Same dignified SamWill service
- Standard hearse and family car
- Full coffin and service inclusions
- Programme printing
- No medical examination needed
- Entry ages
- 65 to 74
- Waiting period
- 9 months
- Accidental death
- From the start
Premiums and cover amounts shown are current at the date of publication and may be amended by the underwriter. A waiting period applies to death from natural causes. Accidental death is covered from inception. Death by suicide is not covered in the first 24 months of cover. Full terms are set out in the policy document provided on acceptance. Photographs are from SamWill services, shown with the families’ permission, and do not indicate what a particular plan includes.
How it works
From your phone to peace of mind.
Choose your plan
Your ID number tells us which plans you qualify for. Pick the one that fits your household.
Apply in minutes
Add your family, your beneficiary and your banking details on your phone, with an ID document for each person covered.
Your cover begins
Your signed mandate lets us collect your premium by debit order. Accidental death is covered from the start, and natural causes once the waiting period has passed.
We are there
One telephone call, whatever the hour. We come, we arrange everything, and we conduct the funeral.
Who carries the risk
Regulated, underwritten and answerable.
Your policy is administered by AMOR BROKERS, an authorised financial services provider, FSP 52097, and underwritten by Safrican, a registered long-term insurer.
SamWill Funeral Service delivers the funeral. That separation matters: the cover is provided by a licensed insurer, and the service is delivered by the people you have met.
If you are ever offered funeral cover by someone with no address, no FSP number and nowhere you can visit, please be careful. Ours is at 18 Montreal Drive in Airport Industria, and you are welcome to come and see it.
You are in careful hands
Accountable to more than ourselves.
A full member of the NFDA
The National Funeral Directors Association — the oldest professional body of funeral directors in Southern Africa. We hold to its code of conduct.
Full member · certified to 30 April 2027
Administered by AMOR BROKERS
An authorised financial services provider. You may check the licence number with the FSCA at any time.
FSP 52097
Underwritten by Safrican
Your policy is carried by a registered long-term insurer, so the cover is never dependent on us alone.