Insure

Funeral.

Plan. Protect. Provide.

Trusted funeral cover that helps families say goodbye with dignity.

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Underwritten by Guardrisk
Asuer Funeral

Plan.

Choose cover that fits your family, from R10 000 to R100 000, on a single transparent policy.

Protect.

Underwritten by Guardrisk Life. Up to 32 people on one policy: main member, partners, parents, children and extended family.

Provide.

Valid claims are paid within 24 hours after we receive all required documents. A proper goodbye, without carrying the full cost alone.

Get a quote

Build your family policy in a few steps.

Add up to 32 lives: main member, up to 2 partners, 4 parents, 5 children and 20 extended family. Each life uses the correct rate table (main / immediate family / extended). Your premium updates as you go.

Main member

You. The policyholder. Main-member rates apply.

Children under 18 0/5

Up to 5. R10 000 cover is free for under-18s. Above that, immediate-family rates.

Partners 0/2

Up to 2. Immediate-family rates.

Parents 0/4

Up to 4. Immediate-family rates. Up to age 75.

Extended family 0/20

Up to 20. Extended-family rates. Cover capped at R35 000 per life.

What you get

Cover that meets you where you are.

Trusted protection

Underwritten by Guardrisk Life and licensed under FSP 50736. Claims paid quickly, with care.

Plans that fit your family

Single, family and extended-family options. Cover the people who matter, at the price that works for you.

Fast turnaround

Sign up on WhatsApp in minutes. Lodge claims with claims@asuer.co.za and a real human picks up.

Up to R100 000
cover.

A single, transparent funeral policy that grows with you: flexible, simple and built for families.

Cover 2 partners,
4 parents, 5 kids,
20 extended family.

Children aged 0 to 18 of the primary insured get R10 000 of cover at no additional cost.

From R50
per month.

Premiums start at R50 for an 18 to 30 year old main member with R10 000 cover. Pricing scales with age and cover.

Who you can cover

Cover everyone who matters.

Immediate family

  • Up to 2 partners
  • Up to 4 parents
  • Up to 5 children
  • Stepchildren & adopted

Up to 20 extended family members

  • Brother / sister
  • Brother-in-law / sister-in-law
  • Children over 18
  • Grandchildren
  • Great grandchildren
  • Nieces & nephews
  • Aunts & uncles
  • Grandmother & grandfather
All the benefits

Built for life as it actually happens.

FAQ

Things worth knowing.

How does funeral cover work?
Funeral cover is a type of life insurance that pays out a lump sum of money to help pay for the costs of a funeral. The policyholder pays a premium every month and when a valid claim is made the policy pays out the specified amount. This payment is usually made to a chosen beneficiary.
Who underwrites the policy?
Asuer partners with Guardrisk (FSP 76), a licensed life insurer, to provide the Asuer Funeral Cover product. Asuer is the FSP, licence number 50736.
What benefits does the product offer?

In addition to a lump sum payout, Asuer Funeral Cover offers:

  • Cover for yourself, up to two partners, four parents, five children (under 18), and twenty extended family members, up to 32 people in total
  • Free cover for up to five children under 18
  • Lifestage benefits: up to six months of premium holidays for events like a birth, marriage or death of the policyholder
  • A one-month premium holiday every year after the first year
What are the cover options available?
Cover amounts range from R10 000 to R100 000, depending on the relationship to the policyholder and your age at the time of entry.
Are there waiting periods for the coverage?

The following waiting periods apply:

  • Accidental death: no waiting period
  • Natural death: 5 months
  • Suicide: 12 months
If I have an existing funeral plan with another insurer, will the waiting periods still apply to me?
If you are replacing an existing policy you can let us know during the sales process. We'll take any waiting periods already served into account at claims stage.
What are the age limits for coverage?
Policyholders must be at least 18 and the maximum entry age is 70. Parents can be covered up to age 75. Children can be covered from birth and qualify for free cover until age 18 (then added as immediate family).
Is there an option to cover extended family members, such as grandparents, aunts, or uncles?
Yes, you can cover up to twenty extended family members including siblings, aunts, uncles, nieces, nephews and grandparents.
Can I provide a date of birth if I don't know the ID numbers of my nominated beneficiary?
Yes. It is highly recommended to supply the ID number as soon as you can to ensure that valid claims are paid out as quickly as possible.
How do I submit a claim?
You can submit a claim by phone (+27 10 823 7237), by emailing claims@asuer.co.za, or via WhatsApp.
What happens if my claim is not approved?
You may dispute a repudiated claim within 90 days from the date of the repudiation by providing us with written reasons. We respond within 10 days. If your claim is still repudiated you can refer the complaint to the National Financial Ombud Scheme.
Are there any exclusions?

A claim will not be valid if it is made for:

  • Suicide in the first 12 months of the policy
  • Dishonest or fraudulent claims
  • Death as a result of being actively involved in criminal activities
  • Active participation in war or riots

Please check your policy wording for the detail on these and other possible exclusions.

Can funeral cover be used for non-funeral expenses?
The intention of funeral cover is to help pay for the costs of the funeral and provide a dignified burial. However, the payment made for valid claims can be used however the beneficiaries see fit.
Can I get funeral cover if I am not South African?
At present Asuer Funeral Cover can only be taken up by customers with a South African identity number.
When does the coverage terminate?

Cover ends when:

  • all cover on the policy has been claimed
  • the policy is cancelled
  • the policy lapses due to premiums not being paid two months in a row
How are premiums paid?
Premiums are paid every month from a South African bank account via debit order.
Can I pay with cash?
No, at this stage only debit orders are accepted for premiums.
How can I contact customer service for assistance?
Call us on +27 10 823 7237, email hello@asuer.co.za, or WhatsApp +27 62 783 7187.
Quick help

How can we help?

01

Get a funeral quote

Apply online, we'll tailor cover and pricing for your family.

Get a quote
02

Lodge a claim

We're here for the hard moments. Reach our claims team three ways:

WhatsApp us Email us Call +27 10 823 7237
03

Request a call back

Pick a time and we'll call you back on your number, no waiting on hold.

Schedule a call
How can we help?
Contact us anytime
Send us an email
hello@asuer.co.za claims@asuer.co.za
Call us
+27 10 823 7237
WhatsApp us
wa.me/27627837042 (Self-service) wa.me/27627837187 (Customer Care)
Visit us

Ashwood House, Ballywoods Office Park, 33 Ballyclare Drive, Bryanston, 2191

208 Boundary Park, Corner of Epsom Avenue & Malibongwe Drive, Northriding, Johannesburg, 2162

Asuer

Asuer (Pty) Ltd is an authorised financial services provider (FSP No. 50736), and is underwritten by Guardrisk Life Limited (FSP No. 76), a licensed life insurer.

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