Let’s be honest — reading your funeral policy can feel like reading a whole new language. But don’t worry. We’re here to explain the tricky words in plain, simple English. No big words. No confusion.
Let’s break it down!
1. What is an “Accident”?
An accident is when something sudden and unexpected happens, and it hurts you from the outside.
Examples:
-
A car crash
-
A fall
-
Something hitting you
It must be something you didn’t plan or expect.
2. What is “Accidental Death”?
This means someone dies because of an accident – not because they were sick or old.
Example:
-
You fall off a ladder and pass away – that’s accidental death.
3. Who is the “Policyholder”?
That’s the main person who signed up for the funeral cover.
This person:
-
Pays the policy
-
Chooses who else is covered (like family)
If you signed the form, you’re the policyholder.
4. Who are “Dependants”?
These are the people you add to your funeral cover.
They can be:
-
Your husband or wife
-
Your kids
-
Your parents
-
Even other family members
5. What is a “Child”?
Your child can be:
-
Your real (biological) child
-
A child you adopted
-
Your stepchild
-
Your partner’s child
-
Even a baby that was born too early and didn’t survive (stillborn)
If the child is unmarried and lives in South Africa, they’re covered.
6. Who is a “Spouse”?
A spouse is your husband or wife, or your life partner.
We count:
-
Traditional marriages
-
Religious marriages
-
Civil unions (like same-sex partnerships)
-
Life partners living together
If you’re together like a married couple, you’re covered.
7. What is a “Nominated Beneficiary”?
This is the person you choose to get the money from your funeral policy if you pass away.
You can pick:
-
Your partner
-
Your mom or dad
-
Your child
-
A close friend
Anyone you trust to handle things when you’re gone. They’ll get the money so they can pay for the funeral or help the family.
Why Does This Matter?
Because you don’t want surprises when someone passes away.
You want to know:
-
Who’s covered
-
What’s covered
-
Who gets paid out
-
How to claim
At Groups R Us, we keep it easy and fair – so you can take care of your people, no matter what.
📞 Need help? Call us.
We’re always here to explain things – even the small print.
