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AVBOB | Funeral Cover Quote

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Firstly, AVBOB has more than 3 million policyholders nationwide. With a total of around 6 million lives insured, they cover about 10% of our nation. As a result of this fantastic achievement, they protect a massive part of our deserving population.  Importantly, they are known as a mutual society. A mutual society means you are not just a policyholder. Policyholders are also stakeholders in the company. This provider has paid out more than 8 Billion Rand in special bonuses to policyholders. They make the payout in the form of both cash and free benefits. Lastly, on this page, we will look at all the other details about the product and company.

Corporate Social Responsibility

One of the main reasons we love this brand is the amount of support they give the community. Did you know they regularly donate libraries and upgrade underprivileged schools? It’s important to know your premiums go to good use. Above all, they care about the community and uplift where they can. This is a strategy we can get behind. Remember, there are a lot of people who need help, therefore we appreciate everything they do for the community.

Trusted Insurance Brand

Above all, they are by far the majority of our new business. However, it’s not by coincidence. Because AVBOB has been around for 100 years, they know what they are doing.  Knowing this, you should have the peace of mind that you can trust them with your policy. Joining them is like entering a loving family. They take care of your all memorial needs. Nobody wants to stress when it’s time to claim, therefore, always opt for a trusted provider.

Free Discount & Policy Benefits

The good news is they offer almost all the services need in-house. With this full service, you can arrange everything you need from one place. They offer many great discounts to policyholders. As a matter of fact, they will give you up to R17 500* in free discounts just for using them for the service. Many other discounts are also available if you make use of them for the arrangements. For example, you can get a gravestone, coffin, flowers, and even booklets directly from them. They are very flexible and can also do catering at your home. It all depends on your needs. Keep in mind, to qualify for the free benefits, they have to arrange the funeral on your behalf.

One of the most significant advantages of their product is the hassle-free approach. Nobody wants to struggle in a time of need. If you have all the services you need from one provider; you can get things done quickly and effectively. The great news is it does not cost you an arm and a leg to join. Read More

Choose Between Cash or Cash & Services

They are the only provider that will give you the option between cash only, or cash and services. As a rule, options are always helpful when it comes to insurance products. It is a significant benefit on any funeral plan. There is nothing worse than making arrangements for a funeral when you are grieving.  Getting help with the process can relieve a lot of stress. Much needed help will give you and your family the peace of mind you deserve.

Cash Only Option

It’s important to understand that you do not have to use them for the funeral service. Also, if you prefer to take the money without any services, you can. We strongly suggest you make use of them for the service to get all the free benefits & Discounts. Keep in mind that if you do not use them for the arrangements, you do not qualify for the free benefits of up to R17 500* – Read More

About InSHoor™

By the way, we got the award for top AVBOB broker nationally every year from 2012 to 2018. The reason for this reward is because all our staff members have a passion for this provider. We love the brand and trust you will be happy with their products and services. About Us

Final Words

They offer their clients a fantastic service at an affordable rate. They are the only provider who offers a complete burial service. AVBOB can arrange the entire burial for you. Many faithful South Africans trust them. You can get up to R50 000 cover from as little as R46 per month. Apply Now 

To get started, complete a contact form. Let us give you a free no-obligation quote today!


Reasons to Choose AVBOB

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You are in full control of how much you pay for your policy. Each person on the policy will have his or her own cover amount. You can make changes to each person’s amount until you are satisfied with the monthly cost.

One of our friendly agents will help you amend your policy until you are 100% comfortable with your funeral plan.

Get up to R50 000 cover per person and cover starts from as little as R46 p/m.

If you make use of AVBOB to arrange the funeral, you get many extra benefits over and above the pay-out. You can get benefits of up to R17 500* over and above your pay-out. Benefits include for example transport, use of hearse, mortuary costs, etc. This amount includes a free basic funeral of up to R12 500*.

To qualify for this benefit, you have to make use of the for your funeral arrangements. If you decide to take the cash only, you do not qualify for the additional benefits.


You get a 15% addition on the sum assured on the main life which, if needed, can be converted into a FREE six-month Retrenchment Benefit.

There is nothing worse than not having money available when you need it most. Get R2500 upfront to help with initial expenses*.

This money can help with things like airtime, transport or anything else you need. You get this amount over and above your insured amount. The idea of this cash pay-out is to get you started with the burial preparations as soon as possible.


Accidents can happen to anybody. With this amazing policy, there will be no waiting period for accidental death. You will also receive double the amount of cover if death is due to an accident.

This means that your burial policy will automatically include some form of accidental death cover. For example, if the main life has R10 000 cover, if death is due to an accident, the cover amount will increase to R20 000.


You can cover as many of your own children as you want. On this policy, you only pay for the first child; the rest get cover at no cost.

The above benefit is only for children below the age of 18. If a child is older than 18, you can still get cover under a different benefit. At the end of the day, you can cover all your children under this policy.


Everybody wants to see value for money. Get a full years’ premiums back every 5 consecutive years you do not claim.

You can use this money for anything your heart desires. This is just one of the ways insurance providers want to thank you for your loyalty.



The sooner you have access to money, the easier it will be to make burial arrangements. Most funeral providers understand the urgency of paying out claims.

Once all the claim documents are submit, pay-outs usually occur within 48 hours. It is important to submit the documents as soon as possible. Also, keep in mind that if you do not submit all your documents, there might be a delay in your pay-out.


With funeral cover, regardless of your health condition, you can still apply. No health questions or blood tests are required to join funeral insurance.

There will be a 6-month waiting period for natural causes of death. This is because the provider gives you the benefit of the doubt.

To qualify for the extra benefits of up to R16 000* you have to make use of AVBOB to arrange the burial on your behalf. We always suggest to our clients to consider this option.

You do not have to decide this now; you choose this option at claim stages. They can give you all the products and service s you need from under one roof.


They will transport the deceased anywhere within South African borders. This is included in the free policy benefits.

This is a fantastic benefit if you want to have the burial in a specific location. It is very helpful if you cover extended family members who might live in a different province.


They offer a wide range of additional services including, catering at home or church, family cars, Inkomo, fresh flowers, etc. They will be able to arrange almost all the services you need to have a dignified burial.

With around 300 branches all over South Africa, you can rest assured there is a branch near you. You do not have to look very far to find your nearest branch. You know you will be safe, regardless of where in SA you are.



Welcome to FuneralCover ME

Why Choose AVBOB

Why Should You Use AVBOB?

Firstly, there are many great reasons why we suggest them to our clients. We have sold 1000’s of their funeral plans to date. We know for a fact that our clients are extremely pleased with their service. One of the biggest reasons we believe they are so effective is because they offer a complete solution. Remember, your beneficiary will have the option to take cash only.

Secondly, if you choose to make use of them for the service, they can arrange everything for you. The family members you leave behind will not have to struggle to organize a dignifying memorial. They are currently one of the biggest dedicated providers in SA. Above all, you can get everything from a coffin, tombstone, catering and fresh flowers directly from them.

Benefits & Discounts on a Funeral

Lastly, there are many other reasons why we love AVBOB.  For example, policyholders also get many free benefits if they use them to arrange the funeral for them. The free funeral service includes up to R17 500* in discounts. The extra payout means there can be additional funds available for your deserving family.  Keep in mind; the discounts apply to all the members on the policy. Considering the high cost of a burial, saving money is essential.

They are also one of the companies in South Africa that truly give back. Not everybody knows this, they do more for the community than most large companies. In recent times, they have helped to uplift more than 30 schools so far. They regularly sponsor libraries and help where they can. It’s the kind of pay it forward thinking we like to see in SA.

AVBOB Advantages
  • Provider with a Great Track Record

  • Affordable Options Available

  • Includes Funeral Services

  • More than 200 Offices Nationwide

  • One Stop Funeral Service Solution

  • No Medical Examinations Required

  • Accidental Death Cover is Included

  • Pay only for 1 Child, the Rest are Free

  • Up to R50 000 Cover Per Person

  • Premiums From Just R46 p/m
How Much Does it Cost?

Premiums Explained

Every free quote we offer is unique. There is not a single price for every policyholder. It depends on a couple of things. Firstly, the most critical factor is your age. The older you are, the more it will cost. The second most important thing is the amount of cover. You can choose from R5000 to R50 000. The higher the cover levels, the higher the cost. The last thing is how many people you include. Also, you can have different cover levels for every person you add. Individual premiums allow you to amend the premium to make sure it is affordable.

When we do your free quote, we help you structure the policy to be as relevant as possible. You can get your policy from as little as just R46 p/mRead More

Free No Obligation Quote

Most importantly, we know how to structure your policy. Your dedicated agent will do their best to help you find the right product for your needs. Once you complete a contact form, we assign an agent. This agent will be with you every step of the way. Also, you will speak to the same consultant from start to finish. We are ready to assist you today!

About Our Humble Service

FuneralCoverME is a proud initiative by InShoor™, a registered financial services provider FSP# 43216. InShoor™ was rewarded the top AVBOB broker nationally every year from 2012 to 2018. We help you find you affordable funeral cover quotes without any cost.

Even if you decide to take the policy, we arrange your funeral plan at no additional cost.  Funeral insurance is our passion. We sign up 1000’s of satisfied new clients every year. Using our service is easy and convenient. All you need to do is complete a basic contact form. We will assign a dedicated agent to take care of all your needs. *We ensure best efforts that all content is up to date & accurate at all times.

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Benefits Explanied


R2 500 Cash Upfront


Free Funeral up to R12 500*


Custom Catering


Cashback Benefit


Accidental Death Benefit


Retrenchment Benefit

Modern Hearse Icon

Use of Modern Hearse


Use of Cooling Facility

List of Benefits
  • Cover from R10 000 up to R50 000
  • Free basic funeral included up to R12 500*
  • No medical examinations or questions
  • Guaranteed your acceptance
  • Transportation of the deceased anywhere in SA
  • Funeral arrangements (free and optional)
  • Use of the mortuary
  • 6 Month waiting period only for natural causes
  • No waiting period for accidental death
  • Use of artificial grass around grave site
  • Free Retrenchment benefit*
  • Use of modern hearse
  • Double payout for accidental death
  • Claims paid within 48 hours*
  • Pay only for one child, the rest are free
  • Cash back after 5 year*
  • Free benefits available to all insured lives
  • Registration of Death at Home Affairs
  • R2 500 Cash upfront*
  • Flower arrangement on coffin
  • A personalized name plate on coffin
  • Use of a tent and chairs at grave site
  • Local phone calls to family and friends
  • Use of lowering device at the grave site
Optional Benefits
  • Arrangement for catering at home or church
  • Conduct funerals over weekends to policy holders
  • Arrangement for chairs at the grave site or church
  • Arrangement for fresh flowers at the church
  • Placement of funeral notice in your local newspaper
  • Arrangement for family cars
  •  Physical grave / cremation fees
  • Arrangement for additional house tent
  • Tombstone erected on the day of the funeral
  • Arrangement for modern hearse
Optional Benefits
  • SABS approved coffin manufactured in-house.
  • Specialised flower types and colours when designing the wreaths.
  • Metal caskets are available in various colours.
  • AVBOB one of South Africa’s leading tombstone manufacturers.
  • Multicultural products are available to suit all cultures.
People-I-Can-Cover-with-AVBOB 2018

Types of Funeral Plans Available

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Extended Family Cover

Firstly, you can protect yourself, your direct and extended family members. Also, the policyholder can include almost every member of their family. In particular, you can insure up to six extended family members under one policy. Remember, you only pay for one child; the rest will be free. You can cover your spouse, parents and even siblings. With this fantastic provider, you can include a wide range of relatives under the same policy. Each member can have a different cover amount; hence you can control the cost of the plan.

Examples of Who You Can Add

  • Brothers & Sisters
  • Grandparents
  • Uncles & Aunts
  • Cousins & Nieces. Etc.

Secondly, each person will have their own cover amount. You can chop and change amounts until you are 100% satisfied with the monthly cost. At the end of your quote, all premiums are combined into one monthly payment. AVBOB understands that there are many single income households. Therefore, they allow you to cover family members who can’t afford a policy.Read More

Get A Policy Today

Lastly, let us help you design a plan that will give you and your family peace of mind. It’s important to know you and your family are in great hands. Don’t wait until it’s too late.


AVBOB Cashback Option

In short, with AVBOB, you can choose a cashback option. What this means is you can get money back every couple of years. Similarly, it’s almost like a basic savings plan. Remember, if you do not claim for five consecutive years, you get back a full year’s premiums. This payback is one of the many ways they want to thank you for your loyalty. For example, you can use the money for education, groceries or even that new flat screen TV.

Remember, this is one of the many benefits of using a well-established provider. Consequently, getting money back on insurance premiums is excellent. Read More


Individual Cover

First of all, every individual must have some form of policy. Keep in mind, even if you are an individual, somebody must pay for your funeral. Making sure you plan for this event is essential. Death does not discriminate and can happen to any of us on any day.

The good news is you can always make changes to your policy later. Therefore, if you want to add a spouse or children, you can do this later. An individual funeral plan is not very expensive. It’s a great way to make sure you take care of your finances. Also, you can select your beneficiary according to your needs. Your family will be happy with your decision to be responsible. Let us help you find the best possible plan for your needs. Apply Now

Group / Employee

Group Insurance Quotes

With AVBOB, you can get a tailor-made funeral plan for various types of groups. Importantly, it does not matter if you have 10 or 10 000 members who need cover. At InSHoor™, we can assist your company in structuring a group funeral plan to fit your exact needs. The group holder can pay the full amount or a partial amount. Therefore, you can pay via stop order, or debit order. We can offer your company a free presentation. In addition, if you are satisfied, we can arrange your cover at no additional costs. Read More

Examples of Types of Group Cover

• Churches
• Government Departments
• Burial Societies
• Large Databases of People
• Big Corporations, etc.

If you are interested in more info, let us know. With this in mind, we can arrange a no obligation group presentation. Let us show you the value of this product. You will find this product beyond amazing, therefore, get some peace of mind today; it is the responsible thing to do. Funerals are costly; do not let your family struggle financially. Due to this, an AVBOB group funeral cover can make a deserving funeral possible. Read More Here.

Employee Funeral Cover

In short, we often hear horror stories of employees who do not have the funds to arrange a funeral. In this case, it is very likely that the employees will have to support each other financially to arrange a burial. Often, the employee’s family will often have to rely on financial support from the employer. Also, it might be viable to offer your employees burial cover as a group benefit. Above all, burial insurance is an incredible benefit that can enrich the lives of your employees. Importantly, it can also assist the company financially during difficult times.

Cost of Employee Burial Insurance

Remember, every employee plan is unique. To explain, it depends on the combined risk of the group. We submit the information of all the employees you want to cover. The provider will look at their ages, insurance amount, etc. Remember, the older the average age, the more it will cost. Keep in mind, this kind of insurance plan is a lot cheaper than a traditional policy. The main reason is that the risk is over many lives. Also, there are many ways you can set up the policy. Lastly, the employer can pay, or each group member can pay. Keep in mind, it does not cost an arm and a leg to join an employee funeral plan. Read More

Not Convinced Yet?

Let Us Give You A Call Back Today

Keep in mind; we have been around for many years. We know just about every burial policy out there; therefore, we know what’s best. Also, we believe that there are no better providers out there when it comes to funeral cover. This product caters for every need. You get the best of both worlds, a brilliant policy with a fantastic provider. Importantly, when you can trust a provider, you can worry less about claims. Lastly, consider the fact that you get almost every service imaginable from the same provider. Over and above that you get a free funeral of up to R12 500*

In fact, to get a free quote for AVBOB is very straightforward. Complete our contact form anywhere on our website. A friendly consultant from InSHoor™ will give you a call. Also, we will do our best to help you find the best cover amount at the most affordable rate. Keep in mind; if you are happy with your free quote, we will arrange your cover at no extra costs. That is right; it does not cost you anything extra to make use of our service.

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