LIFE HERO FUNERAL COVER
LIFE HERO FUNERAL COVER 
If you are not here tomorrow, who will step up to be the hero of your family?
By choosing Life Hero funeral insurance, you secure your family’s future with comprehensive cover that covers the unforeseen costs of a funeral and ensures your family has the support they need when they need it most.
FIND THE PLAN THAT’S RIGHT FOR YOU
Funeral insurance for every family
From small to big families, we will be there, when you cannot.
LIFE HERO
Legacy Silver
Need to leave your legacy behind?
Cover yourself from only
R29p/m
Cover for one person
Ensure your family does not have to deal with the unforeseen costs of a funeral when the time comes for you to pass on.
Get up to R5 000 in funeral cover
Cover the unforeseen expenses associated with a funeral.
Join now
LIFE HERO
Legacy Gold
Small or big family?
This plan is for you! Protect your family for as little as
R99p/m
Cover up to 8 people
You, your spouse & 6 children.
Get up to R56 000 in funeral cover!*
R15 000 for each: Main policyholder / Spouse / Child (14-21 years) R7 500 Child (7-13 years) | R3 750 Child (0-6 years)
Join nowShared benefits
No waiting periods on accidental death!
Provided the first premium has been paid.
Fast pay out
We pay within 24Hrs of receiving all required documentation for a valid claim.
No medical tests required
No medicals or blood tests required.
LIFE HERO CLAIMS
Need to submit a claim?
We’re here to help you make their legacy matter.
The claimant must submit a claim within 6 (six) months of the claim event date to the administrator by phone call or email using the details below:
*All claim documentation must be submitted to the Insurer within 12 (twelve) months of the date of the claim event. Failure to do so could result in the benefit being forfeited, unless there are extenuating circumstances for the late submission.
Your claim document checklist
Please provide us with the following documentation to enable us to process your claim as soon as possible.
Frequently asked questions
- The willing participation by the Insured in any act of war (whether war is declared or not); military action; riot; insurrection; civil commotion; usurpation of power; martial law; terrorism.
- The Insured’s active participation in the commission of a criminal activity resulting in a claim event.
- Self-inflicted injury or suicide within the first 12 months from the commencement date of the Policy.
No medicals or blood tests required.
We pay within 24Hrs of receiving all required documentation for a valid claim.
There are no waiting periods on accidental death, provided the first premium has been paid. In the event of natural death, the waiting period will be 6 months from the policy entry date. Should suicide be the cause of death, a waiting period of 12 months from entry date will apply.
On the Legacy Gold plan, you can cover yourself, your spouse & 6 children. The Legacy Silver plan offers cover for yourself.
Unfortunately not.
The insurer will not change or vary the premium rate during the first 12 (twelve) months after the commencement date of the policy, unless there are reasonable actuarial grounds to change or vary the premium rate or when the variation will be to the benefit of the principal insured. After the first 12 (twelve) months, the Insurer reserves the right to review and change the premium rate and cover annually.
Any changes to the premium rate will be notified to the principal insured 31 (thirty-one) days prior to the change taking effect. It is important that you take into account your own needs and the needs of your family before taking out this policy. Should your circumstances change, please contact us on 010 001 1001 from 08:00 to 16:00 Monday to Friday, excluding public holidays.
If you miss two consecutive payments, your policy lapses and no funeral payment will be made. You will receive an SMS with account details for payment and you can call us on 010 001 1001. There is a grace period of 31 days following a missed payment for you to make payment.
We doubt you will be, but should you wish to cancel, this policy carries a 31 day cooling-off period in which the policy can be cancelled, should you not be satisfied with the policy or with the service received. Any premium deducted during this period will be refunded should the policy be cancelled provided no claim event has arisen or any benefit has been paid.
A claim must be submitted to via claim@lifehero.co.za or fax 0865 51 2705. Please ask us for our complaints resolution policy or visit our downloads page.
- The willing participation by the insured in any act of war (whether war is declared or not); military action; riot; insurrection; civil commotion; usurpation of power; martial law; terrorism.
- The insured’s active participation in the commission of a criminal activity resulting in a claim event.
- Self-inflicted injury or suicide within the first 12 months from the commencement date of the policy.
Underwritten by Guardrisk Microinsurance Company Limited FSP 51674 & Guardrisk Insurance Company Limited FSP 75 Legal Hero Business is an authorised financial services provider operating under the license 45560.