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You decide the cover amount for each person on your group scheme. Get the amount of cover you need without breaking the bank. Group scheme premiums are very affordable compared to individual policies.
With AVBOB, you get some free funeral services. Group scheme members enjoy a 15% discount on the cost of all other funeral services.
AVBOB can arrange catering / INKOMO at an additional cost. This cost will be deducted from the cash payout. 15% discount applies to the catering service.
There are no waiting periods for accidental death. You will be covered from the first premium. There will be a six month waiting period for natural causes. This is because there are no medicals required to join.
You can cover as many of your own children as you want. You only pay for the first child, the rest will be covered FREE!
Once all the claim documents are submit, payouts occur within 48 hours.
Acceptance guaranteed. No health questions or blood tests are required for funeral insurance.
When it’s time to log a claim, the beneficiary can choose cash only or cash with benefits. AVBOB can arrange the funeral on your behalf. This is very easy and effective. All remaining money will still go to the family. You chose the services you need.
AVBOB will transport the deceased anywhere in South African borders. This is included in the free policy benefits.
AVBOB offers a wide range of additional services including, catering at home or church, family cars, Inkomo, fresh flowers, etc.
With around 200 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 AVBOB branch.
If you found this page, we assume you have more than just a single family who needs funeral cover. You need at least 20 members before you can qualify for an AVBOB group policy. A group can consist of thousands of members.
One of the main reasons we believe AVBOB group policies are so effective is because they offer a complete funeral solution. They have been around for more than 100 years. Your group and their loved ones will not have to struggle to arrange a worthy memorial. AVBOB is one of the biggest dedicated funeral service providers in South Africa they settle for good reason.
The last thing you want to worry about is issues when you claim. AVBOB understands this and makes sure all claims within 48 hours. AVBOB offers almost every service you need to arrange the burial. Funeral arrangements/services are available to both group schemes & individual policyholder.
On this page, we will look at some variances between a standard policy and a group scheme.
There is no waiting period if you migrating from another provider and have already completed your waiting period there
The first difference we will look at is the cost of the product. With an AVBOB group funeral plan, the price will usually be noticeably less than a regular policy. This logic is because the premiums are worked out according to the risk of the group. The average age is one of the main factors. In short, this means that if the group has a low average age, the cost will be lower. To do a free quote for your group scheme, we need to have a database of all the people who will be on the policy.
The group can pay the premiums in a single payment, or each member can make their payment. Group scheme payments can be tailored to accommodate your needs.
With the cash-only option, the money will be paid to the beneficiary and can be used independently from AVBOB. With this option, you can arrange the funeral using multiple providers. The recipient will be in full control of all the funeral expenses.
ADVANTAGE: You can use multiple providers. The beneficiary can shop for better deals. You have full control of the funds. Monet can be used for requirements not burial related. This option is available to group scheme members & individual policyholders.
With the cash & benefits option, AVBOB can arrange most of the service in-house. With this option, AVBOB will give group members 15% discount on funeral arrangements. All money that left over will go to the beneficiary. This extra money is a handy and practical way to arrange a decent burial.
ADVANTAGE: Beneficiary can get most services from one provider. Get discounts over and above cash payout. Arrange a burial wholly & professionally hassle-free. This option is available to group scheme members & individual policyholders.
Usually, it will be an organization or society with at least a couple of hundred members. AVBOB group funeral can also be useful for smaller groups. In most cases, group schemes work great for churches, large companies, schools, societies, Governments, etc. There is not a specific industry that qualifies or not. If you have enough members, a group scheme might be the best option.
Yes. A group scheme can be adapted to suit your needs. For example, an employer and a church will have different needs. An employer might only want to cover the employee where a church will want to include the entire family. It all depends on what you need. It’s even possible for the employer to include the employee and give them the option to add their family members at their own cost. We can help you structure your group scheme according to what works best for you.
Because a group scheme cost less, the benefits are slightly different. One of the main differences is the fact that group members do not get a free funeral of up to R10 000. This fact does not mean that the benefits are useless. Firstly, group members receive a 15% discount on any funeral services offered by AVBOB.
Group scheme members have the option to either take the cash or get AVBOB to arrange the burial. If you decide to take the money, you can use multiple providers to arrange the funeral. In some cases, this can be beneficial. For example, you can shop around for the best prices and possibly save money. However, getting AVBOB to arrange the funeral has a lot of benefits too. They can arrange most of the services you require in-house. This benefit is extremely convenient and very useful. If they arrange the funeral, you also receive the 15% discount on services. All money that remains after the service will go to the beneficiary.
AVBOB Funeral Products
If you already have a group policy, it’s straightforward to apply for a free quote. If you have a group scheme already, there must be an existing database. You can send this information to us. We can do a quote based on your current and historical risk. You can always compare premiums and benefits and see where you can find the best options.
Firstly, often hear horror stories when it comes to funerals. In many cases, an employer or leader will have some responsibility when there is a death. In some cases, the death of a loved one can have a severe financial impact. Let’s use the following example. John Doe works for company X. He is the sole breadwinner for his family. This person has two young children and an unemployed wife. He did not have any funeral insurance. If he passes away suddenly, where does the money come from to bury him? We see more often than not that John Does wife will have to ask his employer for help. Morally the company will have to try and help if they can. With an AVBOB group funeral plan, you can avoid this issue.
Secondly, let’s look at a second scenario. A large church has 5000 members. They each have their individual funeral plan. Depending on the amount of cover and ages, they might pay roughly R300 – R400 a month for a family of 5. Some member of the church will have absolutely no protection because they can’t afford it. If the church opens a group scheme, they might only pay R100 per family. This benefit means that with membership fees, the church might be able to cover the entire congregation for less than the combined amount paid for each individual policy.
Lastly, with a group funeral scheme, it can be possible to include members who can’t afford it and help save money for members who can. It all depends on your needs. We always suggest that you get a free quote. This suggestion is the starting point. From there you can calculate if a group scheme is worth it. We believe the benefit of having funeral insurance for large groups of people with a common interest is precious.
At InShoor™, we have almost 25 staff members waiting to assist you with your free quote. We specialize in funeral insurance and have been awarded top AVBOB broker nationally every year since 2012. We have a massive passion for the benefits a proper funeral plan can bring a family.
To get a free quote, all you need to do is complete a contact form on this page. We will get in touch and discuss your needs. Once we know what you are looking for, we will get the ball rolling. We will send you a no-obligation quote. If you are happy with the quote, we can arrange your policy for you quickly and hassle-free. We are here to assist you avidly.