Individual Funeral Plan
Covers the policyholder.
Namibia
Funeral Cover
Helping you prepare today, so your family is supported tomorrow.
Who is eligible for cover?
- No medical underwriting required.
- Individual Plan covers the policyholder.
- Family Plan covers the policyholder, one spouse and up to six children.
- Parents and parents-in-law can be added as a separate optional benefit.
- A mentally or physically disabled child who is fully dependent on the policyholder is covered till death.
- 6-month waiting period for all natural causes. None for accidental death. 24 months for suicide.
All dependants must be added upfront and their correct personal details supplied when the policy is taken. New born children can be added within 3 months of the birth, with no waiting period. Waiting periods apply to anyone else added. A new spouse and parents-in-law can be added within 3 months of the marriage. A maximum of 2 policies per individual is allowed, not exceeding N$100,000 in total. One spouse can be covered, with a marriage certificate required at claims stage only. Premiums are paid by debit order or Employer Stop Order; no advance payments are allowed.
| Individual Funeral Plan | |
|---|---|
| Policyholder | Between age 18 and 65 (on your next birthday) at entry |
| Family Funeral Plan | |
| Main Member | Between age 18 and 65 (on your next birthday) at entry |
| Spouse | Between age 18 and 65 (on your next birthday) at entry |
| Children | Up to 6 children, not older than 18 at entry. Covered up to age 21, or up to age 26 if still students at a registered institution |
| Parents & Parents-in-law | Separate optional benefit. A maximum of 4 parents, each younger than 75 at commencement date. Parents of both the policyholder and the spouse can be covered, and the same level of cover must be taken |
| Disabled Children | A mentally or physically disabled child who is fully dependent on the policyholder is covered till death |
The Benefits
No medical examination
No medical tests are needed and no medical questions need to be answered.
Cover for life
Cover does not end provided all monthly premiums are paid.
No waiting period
For death due to an accident.
Premium waiver
Should the policyholder pass away, and the policy has been in force for at least 12 months, the insured lives (excluding parents and parents-in-law) will be provided cover for 12 months without any premiums having to be paid during this period. Thereafter the spouse of the policyholder may continue with the policy by paying the monthly premiums without additional waiting periods being served.
Oshitondoka Memorial Cover
Available for the policyholder only. Should the policyholder pass away, an additional 35% of the cover selected will be paid out to cover the costs associated with the memorial arrangements. For example: if you select a cover of N$10,000, an additional amount of N$3,500 will be paid out towards the memorial arrangement costs.
Double Accident Benefit
Should the policyholder or their spouse die due to an accident, the Double Accident Benefit pays out an additional 100% of the selected cover, on top of the cover amount.
Cover increase
You can increase your cover at any time and normal waiting periods will apply to the increase in cover for natural deaths.
Out of country cover
Should you travel on business or leisure, you will continue to be covered anywhere in the world for up to 12 months. You may increase the 12-month period by informing us in writing and we will confirm before this is effected.
Build your cover
Pick your cover amount and your plan. Your monthly premium and every benefit that scales with it update as you go.
Cover selectedN$10,000
Total monthly premiumN$84.00 Base premium N$84.00 plus optional extras N$0.00
Cover selectedN$10,000The amount you select
Oshitondoka Memorial CoverN$3,500An additional 35% of your cover, policyholder only
Double Accident BenefitN$10,000An additional 100% of your cover, paid on top, if the policyholder or spouse dies due to an accident
What each member receives
PolicyholderN$10,000100% of cover
SpouseN$10,000100% of cover
Child aged 14 to 21 (to 26 while studying)N$5,00050% of cover
Child aged 6 to 13N$2,50025% of cover
Child aged 5 and under, including stillbornN$1,25012.5% of cover
Optional extras
Emanya TombstoneNot added
Tombstone cover for the policyholder and spouse, available at N$10,000 or N$15,000 of tombstone cover.
Parents and parents-in-lawNot added
N$19.50 per N$2,500 of cover, per parent. Each parent's cover is N$10,000, the lesser of your own cover or a maximum of N$15,000. Up to 4 parents, each younger than 75 at commencement date.
Body transportationNot added
N$9.00 for the policyholder, plus an additional N$9.00 per person for spouse and children.
Figures are taken from the current Liberty Funeral Plan brochure and are shown as a guide only. Terms and conditions apply.
View the full premium and benefit tables
Monthly premiums: Individual Funeral Plan
| Cover | Monthly premium |
|---|---|
| N$5,000 | N$21.60 |
| N$10,000 | N$42.00 |
| N$15,000 | N$58.80 |
| N$20,000 | N$78.00 |
| N$30,000 | N$117.60 |
Monthly premiums: Family Funeral Plan
| Cover | Monthly premium |
|---|---|
| N$5,000 | N$42.00 |
| N$10,000 | N$84.00 |
| N$15,000 | N$126.00 |
| N$20,000 | N$168.00 |
| N$30,000 | N$252.00 |
Who can be covered
| Insured Member | Age Range | Cover Percentage |
|---|---|---|
| Policyholder and spouse | Covered for life | 100% of cover selected |
| Child | Age 14 to 21, or to 26 while studying | 50% of cover selected |
| Child | Age 6 to 13 | 25% of cover selected |
| Child | Age 5 and under, including stillborn | 12.5% of cover selected |
Optional benefits available at an additional monthly premium
| Benefit | Cover | Plan | Premium |
|---|---|---|---|
| Oshitondoka Memorial Cover Policyholder only | An additional 35% of the cover selected | Individual & Family Funeral Plan | Included |
| Emanya Tombstone Policyholder and spouse only | N$10,000 | Individual Funeral Plan | N$34.80 |
| Emanya Tombstone Policyholder and spouse only | N$10,000 | Family Funeral Plan | N$52.80 |
| Emanya Tombstone Policyholder and spouse only | N$15,000 | Individual Funeral Plan | N$51.60 |
| Emanya Tombstone Policyholder and spouse only | N$15,000 | Family Funeral Plan | N$80.40 |
| Parents/Parents-in-law | The lesser of the policyholder's cover or a maximum of N$15,000. A maximum of 4 parents, each younger than 75 at commencement date. Parents of both the policyholder and the spouse can be covered, and the same level of cover must be taken | Individual Funeral Plan & Family Funeral Plan | N$19.50 per N$2,500 of cover, per parent |
| Body transportation | From parlour to parlour, the place of death to the place of burial for a distance of 30km or more and within the borders of Namibia, at N$4.50 per kilometre per person | Individual Funeral Plan | N$9.00 per person |
| Body transportation | From parlour to parlour, the place of death to the place of burial for a distance of 30km or more and within the borders of Namibia, at N$4.50 per kilometre per person | Family Funeral Plan | N$9.00 for the policyholder, plus an additional N$9.00 per person for spouse and children |
Emanya Tombstone is for the policyholder and spouse. Parents and parents-in-law are covered under a separate optional benefit.
Not sure which plan suits your family?
Speak to a Liberty adviser. We'll call you back at a time that works for you.
Frequently asked questions
Who can be covered under the Funeral Plan?
The Individual Funeral Plan covers the policyholder. The Family Funeral Plan covers the policyholder, one spouse and up to six children.
Parents and parents-in-law can be added under a separate optional benefit, to a maximum of 4 parents.
How do I claim, and how quickly are claims paid?
Notify Liberty, your registered broker or agent within 6 months of the date of death. You then have a further 6 months to submit the supporting documentation, so 12 months in total.
All valid claims are paid within 48 hours after all required claim documents have been submitted.
Is medical underwriting required?
No. No medical tests are needed and no medical questions need to be answered.
Are there additional benefits included?
Yes. Oshitondoka Memorial Cover, Emanya Tombstone cover, body transportation, the Double Accident Benefit, and the premium waiver.
What is the Emanya Tombstone add-on?
The Emanya Tombstone add-on provides additional cover for tombstone expenses, available in N$10,000 and N$15,000 options for both Individual and Family plans. This benefit is for the policyholder and spouse.
How does the body transportation add-on work?
Body transportation covers the move from parlour to parlour, the place of death to the place of burial, for a distance of 30km or more and within the borders of Namibia. It is charged at N$4.50 per kilometre per person.
On the Individual Funeral Plan the premium is N$9.00 per person. On the Family Funeral Plan it is N$9.00 for the policyholder, plus an additional N$9.00 per person for spouse and children.
Are disabled children covered?
Yes. A mentally or physically disabled child who is fully dependent on the policyholder will be covered till death.
Funeral Plan
There are two cover options so you can choose the one most suitable to your needs.
Family Funeral Plan
Covers the policyholder, one spouse and up to six children.
Ready to protect your family?
Request a call back today. A Liberty adviser will help you choose the right cover.