Clear conditions.
Informed choices.

Who can join?

The main member must be 18 or older. Maximum entry ages differ between packages and age bands; check the selected plan rather than assuming one age limit applies to every option.

Spouses, children and extended-family members have their own eligibility rules and covered-member limits. An extended-member age range that includes children does not mean a child can be the main member.

Waiting periods

The waiting periods displayed for our funeral plans are:

Natural causes

6 months

Accidental death — other plans

1 month

Suicide

12 months

Flagship Family Plan — Main Member + 9: Accidental cover is provided immediately after the first premium is paid. The one-month accidental-death waiting period above applies to the other plans displaying that condition.

These periods are subject to the applicable policy conditions. Before joining, ask when the waiting period begins for your membership and how it applies to each covered person, additions or changes to cover.

Submitting an enquiry does not activate membership or cover.

Flagship age increments: Package benefits are valid only until the next age increment. Confirm how this affects your premium and benefits.

Understand the benefits in your package

Read the full details of your chosen plan. Cash benefits, funeral-service values, child benefits, livestock and other benefits vary by package.

• Cash and funeral-service values: Do not automatically add these amounts together. Ask our team how a claim is settled under your selected package.
• Children and extended members: Adult benefit values must not be assumed to apply to every dependant. Confirm the ages, number of people covered and benefit calculations for your family.
• Mosaic support benefit: Where the plan includes the R2,500 support benefit, this is R2,500 paid out in cash. It is not included in every package; the applicable claim conditions still apply.
• Repatriation: Availability, routes and limits depend on the package. The R7,000 maximum shown on applicable plans is a limit, not a universal entitlement. Ask about the locations, documents and transport arrangements covered.

Top-ups and standalone cattle policies

Flagship: funeral and cattle cover together

R450 per month · R100 joining fee · Entry ages 18–74. This combined package covers the main member, spouse, four children under 21 and four related extended-family members. Registered students are included up to age 26. Package benefits are valid only until the next age increment.

The main member and spouse each have a funeral value of R30 000 and a cash value of R21 000. Child benefits are 20% of the main-member benefit under one year (0–11 months), 25% at ages 1–5 and 50% at ages 6–13.

Accidental cover starts immediately after the first premium is paid. Natural causes have a six-month waiting period; suicide has a 12-month waiting period. The R3 500 cash advance is available on the day of claim once all documents have been submitted; the deceased must be at the mortuary.

Included assistance covers removal and storage on the day of passing, assistance registering the death and obtaining the death certificate, R500 airtime and repatriation to SADC countries. Additional included benefits include the R3 500 cash advance, R6 000 grocery benefit and livestock benefit.

The total benefit package value is R55 000. Additional included benefits are listed at R25 000 package value. Ask how the funeral-service and cash options apply to your claim.

Dependants over 14 receive a cow or R15 000 cash payout; dependants under 14 receive a sheep or goat, or R2 500 cash. Ask which benefit applies at exactly age 14. Livestock may be living or slaughtered, with transport only to a designated collection point.

Joining and keeping your membership up to date

Before applying, confirm the premium for your package and age band, any joining fee, payment dates and how to pay. Ask what happens if a payment is missed, and which rules apply to cancellations, reinstatement or changes to the people covered.

Keep your contact and covered-member details accurate. Ask our team how to update your membership and whether a change affects your premium, benefits or waiting periods.

Claims and immediate assistance

Valid claims are approved within 48 hours after all required documents have been received.

Contact the Newcastle team for help with a claim or funeral arrangements. Have your policy details ready if available. Our team will explain the documents and next steps required for your particular membership.

Please use the appropriate process advised by our team for submitting documents. Avoid putting ID numbers, medical information or policy documents into a general website enquiry.