Our Insurance Products

You can cover yourself, your spouse, your children, your parents, and extended family members. Cover is flexible so you can tailor it to your family structure — whether immediate or extended.

Yes, a waiting period typically applies to certain benefits. Common waiting periods are:

• Natural death: usually a 3–6 month waiting period from policy start
• Accidental death: cover begins immediately (no waiting period)
• Extended family members: may have a longer waiting period

Exact terms are set out in your policy schedule and will be explained to you at sign-up.

Yes. You may take out multiple funeral policies, and each will pay out according to its own terms. However, you should disclose all existing cover when applying so we can make sure your cover is structured properly and no benefit is duplicated unnecessarily.

For most funeral cover plans, no medical exam is required. Basic health declarations may be needed depending on the cover amount. Higher-value or specialised products may require a health assessment — our team will explain exactly what's needed.

Entry age varies by product, but our funeral cover generally accommodates a broad age range — from young children through to seniors. Extended family members may also be covered up to a certain age, depending on the plan. Contact us for the specific age limits on the product you're interested in.

Yes. You can adjust your cover amount, add or remove dependants, or update your beneficiary details at any time. Changes typically take effect once they're processed and your premium is adjusted accordingly.

If a premium is missed, a grace period usually applies (typically 30 days), during which your cover remains active. If the premium isn't paid within that time:

• Your policy may lapse
• Waiting periods may reset if you reinstate cover
• Certain benefits may be affected

We encourage you to contact us immediately if you're struggling to pay — in most cases, we can help you restructure your cover.

We pride ourselves on settling funeral claims quickly — often within 24 to 48 hours of receiving all required documentation. Our team will guide you through exactly what's needed so there are no delays.

To submit a claim, you can:

• Call our claims line on 0861 11 22 56 or 0861 46 38 77
• Email admin@infussionfinancial.co.za
• Contact your intermediary or broker directly

We'll send you a simple claim form and a clear checklist of documents needed — typically a death certificate, ID, and proof of banking details.

The exact list depends on the policy, but typically you'll need:

• Certified copy of the deceased's ID
• Death certificate or BI-1663 form
• Certified copy of the claimant's ID
• Proof of banking details
• Completed claim form
• Proof of relationship (where applicable)

The payout is made to the nominated beneficiary on the policy, or to the policyholder's estate if no beneficiary was nominated. We recommend keeping your beneficiary details up to date at all times to avoid delays.

If a claim is rejected, we'll give you clear written reasons. You have the right to appeal the decision, and if you're still not satisfied, you can escalate the matter to the National Financial Ombud Scheme (NFO) — a free, independent dispute resolution service for consumers. We'll guide you through the appeal process.

Yes. Claims should be submitted within 6 months of the insured event, though we strongly recommend notifying us as soon as possible so we can begin processing immediately. Delays can complicate the process — the sooner you contact us, the sooner we can pay out.

For non-funeral claims (such as health, hospital cash, or income protection claims), turnaround typically ranges from 5 to 15 working days depending on the complexity and completeness of the documentation. Our team will keep you updated throughout the process.

We offer several convenient payment methods:

• Debit order from your bank account (most common)
• Payroll deduction — for group and employer schemes
• EFT directly into our account
• Debit/credit card for select products

Premiums are due monthly on the date specified in your policy schedule. If you use a debit order, the deduction happens on the same date each month. For group schemes, premiums align with the employer's payroll cycle.

Premiums may be adjusted annually based on factors such as age, inflation, claims experience, and product terms. Any premium increase will be communicated to you in writing, with at least 30 days' notice, as required by the Policyholder Protection Rules.

Yes. You may pay premiums in advance if you're going to be away or would prefer to pre-pay. Contact us to arrange this — some products allow up to 12 months of premiums to be paid upfront.

Please contact us as soon as possible. We can often help by:

• Reducing your cover amount to lower the premium
• Removing optional benefits
• Restructuring the payment date
• Placing the policy on a paid-up or reduced basis (where applicable)

It's always better to talk to us than to let the policy lapse.

A white-labelled scheme is one that carries your organisation's branding while being underwritten and administered by Infussion. Your members experience the scheme as yours, while we handle the insurance, administration, and claims behind the scenes. It's ideal for unions, employers, stokvels, and burial societies.

Unions, employers, stokvels, burial societies, church groups, and other member-based organisations can all set up a group funeral scheme. We'll work with you to design cover that fits your members' needs and your organisation's budget.

We handle the full scheme lifecycle on your behalf, including:

• Member enrolment and onboarding
• Premium collection (via payroll or direct debit)
• Claim processing and payouts
• Member communication and support
• Reporting to your organisation

You focus on your core mission — we handle the insurance.

Absolutely. We design customisable employee benefit plans for employers of all sizes — combining credit life, funeral cover, health insurance, and hospital cash. Benefits are deducted via payroll, and every plan can be branded to your business.

Credit Life cover protects outstanding debt in the event of death, disability, or retrenchment. It's ideal for:

• Banks and micro-lenders
• Retailers offering credit
• Any business that extends credit to customers
• Individual borrowers wanting to protect their debt

The policy pays off the outstanding balance, protecting both the lender and the borrower's family.

Yes — that's what we do best. Cover amounts, benefit structures, branding, and even the product mix can all be tailored to your organisation. We'll work with you from initial design through to launch.

Minimum group sizes vary depending on the product. Smaller stokvels and burial societies can often be accommodated, while larger employer and union schemes benefit from more competitive pricing. Contact us to discuss your specific group.

Our funeral and group funeral products include the following benefits at no additional cost:

• Grocery discounts at participating retailers
• Repatriation services — nationwide and cross-border
• Trauma assistance — confidential counselling

These benefits are designed to make your cover do more than just pay out.

If the insured passes away away from home, we coordinate with funeral parlours to transport the deceased to their final resting place — anywhere in South Africa, and cross-border where applicable. The service is handled with dignity and care, and is included in your funeral cover.

Once your policy is active, you'll receive details on how to access grocery discounts through our retail partners. Redemptions are available nationwide, and there's no additional cost to you — it's bundled into your funeral cover.

Trauma & Employee Assist provides confidential counselling and support services to policyholders and their families, and to employees covered under group schemes. It's powered by VC Employee Assist and offers professional help during difficult times — from bereavement support to workplace wellness.

Value-added benefits are provided by us and/or our partners and are subject to the terms of your policy. Some benefits may be adjusted or withdrawn over time, but we will always communicate any changes clearly in advance. Where benefits are guaranteed in your policy wording, they remain in force for the life of the policy.