Funeral Cover

Best funeral cover in South Africa

Compare funeral policies from Avbob, Sanlam, Old Mutual and Metropolitan — payout speed, family cover, waiting periods and monthly premiums.

Written by

MoneyWise Editorial Team

SA Personal Finance Desk

Fact-checked

Faatimah Hendricks, CFP®

Independent reviewer

Last updated

3 August 2026

4 funeral cover providers

Methodology

How we review

50+ data points scored

DisclosureSome providers below are paid partners. Rankings reflect editor scoring — see how we review.

What matters most

What to look for in a funeral cover provider

1Editor score across price, cover and customer service.
2Independent customer-satisfaction data (SAcsi, Ombudsman).
3Transparent fees and no lock-in clauses.
4Match to your situation — best-for tags reflect real use cases.

Editor's awards

Best funeral cover for…

Our analysts ranked every option on price, cover, claims experience and rewards. These won their categories.

Best overall

Avbob

4.6

Why it winsHighest editor score (4.6/5) across cover, value and service.

Best for value

Metropolitan Cover2Go

4.0

Why it winsLowest indicative monthly cost — From R70 pm (R10 000 cover).

Sort

ProviderRatingBest forMonthly est.Action

Editor's pick
Avbob
Free funeral benefit with the policy
4.6
Full funeral service
From R110 pm (R30 000 cover)
Sanlam Funeral Plan
Up to 13 family members
4.4
Extended family
From R135 pm (R30 000 cover)
Old Mutual Comprehensive Funeral
Up to R100 000 cover
4.3
Cover amount
From R160 pm (R50 000 cover)
Metropolitan Cover2Go
Buy via USSD or app
4.0
Value
From R70 pm (R10 000 cover)

Ready to compare funeral cover?

Spec sheet

Side-by-side comparison

Compare the exact funeral cover features that matter — prices, cover, rewards and more — column by column.

Highlight best per rowSort

Funeral Cover providers	A Avbob 4.6 Editor	S Sanlam Funeral Plan 4.4	O Old Mutual Comprehensive Funeral 4.3	M Metropolitan Cover2Go 4.0
Best for	Full funeral service	Extended family	Cover amount	Value
Premium / R30k cover	R471	R547	R303	R448
Max payout	R60k	R60k	R34k	R35k
Payout time	24 hours	1 – 3 days	24 hours	24 hours
Family members covered	Extended (up to 13)	You + spouse	You + spouse	Up to 21 incl. parents
Waiting period (natural)	12 months condition-specific	3 months	3 months	3 / 12 months
Grocery benefit	Included	Included	Included	Included
Apply

Avbob

Full funeral service

4.6

Premium / R30k cover: R471
Max payout: R60k
Payout time: 24 hours
Family members covered: Extended (up to 13)
Waiting period (natural): 12 months condition-specific
Grocery benefit: Included

Sanlam Funeral Plan

Extended family

4.4

Premium / R30k cover: R547
Max payout: R60k
Payout time: 1 – 3 days
Family members covered: You + spouse
Waiting period (natural): 3 months
Grocery benefit: Included

Old Mutual Comprehensive Funeral

Cover amount

4.3

Premium / R30k cover: R303
Max payout: R34k
Payout time: 24 hours
Family members covered: You + spouse
Waiting period (natural): 3 months
Grocery benefit: Included

Metropolitan Cover2Go

Value

4.0

Premium / R30k cover: R448
Max payout: R35k
Payout time: 24 hours
Family members covered: Up to 21 incl. parents
Waiting period (natural): 3 / 12 months
Grocery benefit: Included

Spec values are indicative and standardised for comparison. Confirm details with each provider before applying. See our methodology.

Information is indicative. Always confirm directly with the provider and read the policy schedule before purchase. MoneyWise may earn a commission when you click through.

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