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Terms and Conditions.

  • The insurance cover is underwritten by Royal Financial Services (Proprietary) Limited, an authorised financial services provider and registered insurer (Registration number 2017/445479/07, FSP Number is 51465). Your appointed binder holder is Royal Funeral Group (RFG) (FSP No. 51465). Royal Funerals is a juristic representative of Royal Funeral Group.
  • Your spouse or your other nominated dependants can keep this cover after your death: If you were to pass away, your surviving spouse or your other nominated dependants can choose to carry on with the policy and become the main member. They must contact Royal Funerals, within 30 days of your passing if they want to make this change.
  • Maximum entry ages: The maximum entry ages for you and your dependants is 85 years. Children, stepchildren or legally adopted children extended family, parents and parents in law are covered under your chosen funeral plan. Satisfactory documentary proof must be submitted in this regard – police affidavits are not acceptable.
  • Number of dependents allowed on your plan: Additional dependants can be added to your policy for an extra premium. The number of extended dependants you can add to your policy will depend on the plan that you've chosen. Please contact Royal Funerals Group for assistance with adding extended dependants.
  • Waiting period: Your policy has to be in place for a specific waiting period before you or your dependants can claim. The waiting periods on this cover are six months for new members, dependants, and re-joiners. No waiting period applies for reinstatements, unless you were still in your waiting period when your policy lapsed. You will then have to complete the duration of the waiting period still outstanding. No waiting periods will apply if the main member or dependants were to pass away in an accident as long as the first premium has been paid. Existing members who were insured by the previous underwriter will have to complete the duration of the waiting period still outstanding.
  • Lapsing: Your policy will lapse if you fail to make two consecutive premium payments. You can reinstate the policy by resuming premium payments within three months of the last premium payment, as long as all arrear premium payments are made. No waiting periods will apply for reinstatements.
  • How you'll pay your premium to Royal Funeral Group: You can pay your premiums using a debit order, stop order through easypay pay points. Payments must be made by the 15th of every month. There are other methods you can use to pay your premiums. Please contact us to find out more.
  • How to claim: You must submit your valid claims to Royal Funeral Group within six months from the date of the claim event. You must give Royal Funeral Group all the required documents before Royal Financial Services (PTY)Ltd can process your claim.
  • You must provide Royal Funeral Group with accurate information: Royal Financial Services (Proprietary) Limited will cancel your policy immediately and will not pay any claims if they find out that you intentionally gave false or inaccurate information. It is your responsibility to update your information with us when it changes.
  • Maximum cover amounts: The amount you can be paid out under this policy is limited to a maximum rand amount, this will depend on the plan you've chosen.
  • Grace premium period: Royal Financial Services (Proprietary) Limited will cancel your cover and that of all your dependents if you don't pay your premiums for more than two consecutive months.
  • Claims process: Please contact Royal Funeral Group for assistance in the event of a claim. They'll provide you with all the necessary forms you need to complete. You must supply Royal Funeral Group with the following documents:
    • A fully completed claim form
    • A certified copy of the official death certificate
    • A certified copy of the deceased's ID document
    • certified copy of the ID document of the person making the claim
    • A fully completed SAPS statement if applicable
    • A notification of death form (BI 1663) completed by the doctor who certified the death or an affidavit Where applicable, a letter from the funeral parlour confirming that the deceased's remains are with them (must be on a letterhead)
    • Other supporting documents (such as proof of marriage or proof of relationship to children) if applicable
    • In the case of a stillbirth, you need to give Royal Financial Services (Proprietary) Limited a notification of the stillbirth
    • (BI 1663) or a copy of the antenatal card, or a letter from the hospital, or a letter from your traditional leader
    • Proof of banking details of the beneficiary (the person who will receive the payout) Any other information Royal Funerals requires from you.
  • Cancelling or replacing your policy: You can cancel your policy. You'll lose all of your benefits if you cancel the policy. You must give Royal Funeral Group one month's notice before the effective date of the cancellation.
  • General exclusions: Royal Financial Services (Proprietary) Limited will not pay your claim in the following circumstances:
    • Suicide or attempted suicide within the first 12 months of the beginning of the policy or cover, whether the insured life is of sound or unsound mind;
    • Participation in any terrorist activity, riot, civil commotion, rebellion or war leading to injury of death;
    • Wilful and deliberate breaking of any criminal law leading to injury of death;
    • Death as a result of nuclear, biological and chemical terrorism and nuclear accidents;
    • The death of an unborn child due to the termination of a pregnancy (abortion).

  • How to make changes to your policy: Please contact Royal Funeral Group if you would like to make any changes to your contract or your contact information.

  • Premium guarantee period: Royal Financial Services (Proprietary) Limited guarantees that your premiums and benefits will stay the same for the first 12 months. After that, Royal Financial Services (Proprietary) Limited reserves the right to review and adjust premium and premium growth patterns at policy anniversary. Royal Funeral Group will send you written notice of any changes to your policy at least 31 days before any changes are applied.
  • Complaints: We hope never to give you any cause for complaint. But if you're ever unhappy with our service you've received, please contact us on the following details:

  • Royal Funerals is a juristic representative of Royal Funeral Group. You can contact them at Tel: 012 706 0034 or 082 255 209 or 061 518 6855 | WhatsApp 083 476 7479 |Email: complaints@royalfuneralssa.co.za

    If we're still not able to resolve the problem, you can contact the following for help:

    Royal Financial Services (Proprietary) Limited is an authorised financial services provider and registered insurer FSP 51465. Royal Financial Services (Proprietary) Limited 199 WF Nkomo street Pretoria West 0183 Telephone: 086 107 6925 | Email: compliance@royalfinancials.co.za

    The long-term insurance ombud: The ombudsman's role is to mediate between policyholders and life insurers when they have a dispute that they can't resolve in a way that's fair, independent and objective. The provisions of the Long-term Insurance Act guide the ombudman's decisions.

    Private Bag x45, Claremont, 7735 | Telephone: 021 657-5000 | 0860 103 236 | Email: info@ombud.co.za | Third Floor, Sunclare Building, 21 Dreyer Street, Claremont, Cape Town, 7700

    The FAIS Ombudsman: The FAIS ombud's role is to mediate fairly and independently between clients and financial services providers on matters to do with financial advice. The ombud follows the provisions of the Financial Advisory and Intermediary Services Act (FAIS Act).P.O. Box 74571, Lynnwood Ridge, 0040 | Kasteel Park Office Park, Orange Building, 2nd Floor, 546 Jochemus Street, Erasmuskloof, Pretoria, 0048 Telephone: 012 470 9080 | Email: info@faisombud.co.za

  • When your cover will start: Your cover will only start on the first day of the current month if we receive premiums between the 1st and the 15th of that month. If we receive premiums after the 15th of that month, then the cover will start on the 1st of the following month. You won't have cover if we don't receive your first premium. Any waiting period that applies to your policy will start running from the day we actually receive the first premium. Royal Funerals reserves the right to decline your application within 31 days of you applying for cover.
  • Cooling off period: If we have accepted your application for the policy and you change your mind about this policy, you have 31 days from the start date of your policy to cancel it. If you cancel your policy within this period, Royal Funerals will refund your premium. Please contact Royal Funerals at info@royalfuneralssa.co.za or call 012 706 0034 for details on how you can cancel your policy.
  • Replacement of lives assured: Replacement of lives assured will be allowed, replacement lives will be treated as new joiners and new joiners conditions will apply as item 5 of his document. 20. Cover for new born: The Policy holder must apply for cover for new-born children. Failure to do so will render such children uncovered under the scheme. Application to add the new-born child onto the Master Policy must be submitted to Royal Funeral Group in writing within ninety (90) days from the date of birth of the new-born child.

  • Policy owner declaration and signature

    By signing this form, you understand and agree that you are applying for funeral

    Cover with Royal Funeral Services Underwritten by Royal Financial Services (Proprietary) Limited. Your policy is administered by Royal Funeral Group. You declare that the information you have provided in this form is accurate and true and that Royal Financial Services (Proprietary) Limited has the right to cancel this policy with immediate effect should they find out any of the information you provided is untrue. You also understand that you will forfeit any premiums paid to Royal Funeral Group Underwritten by Royal Financial Services (Proprietary) Limited should you provide false information. You declare that your representative has explained the terms and conditions of your cover and you understand them. You confirm that Royal Financial Services (Proprietary) Limited may validate the information they request and that you've provided, where required. You're satisfied that the plan you've chosen best suits your needs and you're able to afford the monthly funeral insurance premium.

    Protection of your personal information

    We will keep any information – including personal information relating to you, your dependants, lives insured, and beneficiaries – supplied to us when applying for your policy, reinstatement or any amendment (“your personal information”), confidential. When providing us with your personal information, and information on your dependants, lives insured, and beneficiaries, you must make sure that they have provided you with the appropriate permission to disclose their personal information to us for the purposes set out below and any other related purposes. We may collect, collate, process, store, and disclose your personal information for the purpose of: Administering this policy and for the assessment of any claims; Providing relevant information, including your personal information, to contracted third parties who need the information to offer you a service in relation to this policy, provided that the contracted third party agrees to keep the information confidential; Please note we may change this notice from time to time. In this regard, please visit our website at www.royalfuneralssa.co.za You have the right to object to the processing of your personal information. If you believe that we have used your personal information contrary to applicable law, you must first raise any concerns with us. If you are not satisfied with our process, you have the right to lodge a complaint with the Information Regulator at inforeg@justice.gov.za

    Royal Financial Services (PTY)Ltd is an authorized financial services provider. Company registration no: 2016/184446/07, FSP 51465. Terms and conditions apply. All rights reserved.