Tips on Getting Funeral Cover Online
Funeral costs have risen sharply over the past few years. In fact, the average price for just a ‘basic funeral’ is somewhere in the region of R12, 500. The vast majority of people do not have this sort of cash sitting in their account. In short, this means that the burden will fall on their friends and family to cover funeral expenses. Is this fair? Of course not…particularly when purchasing funeral cover is so cheap nowadays. On this page, I want to give you some tips on the best to get funeral cover online. On this page we will have some general tips.
Getting Cover Online
Firstly, do not submit your details at every provider imaginable. This effort is a waste of both your time and money. For me, there is nothing worse than having to give the same details repeatedly to different companies. It is quite cumbersome. As a result, most people are quite ready to accept one of the first offers they get…even if it is not the best. The insurance companies know this and thus attempt to charge incredibly high prices as a result. You do not want that. Funeral cover is not particularly expensive, but it is likely that you do want to save as much money as possible on it. I, therefore, suggest doing something completely different; using a funeral insurance comparison website.
Compare Funeral Providers
A comparison website will require you to enter your insurance requirements once. Once you have submitted your details, you can get offers from a variety of insurance companies. This strategy will enable you to see which company offers the best possible deals easily. In my experience, using an insurance comparison search engine like this, no matter what insurance policy you are looking for is the only way in which you are going to be able to find the best possible deal.
You may also wish to think about the type of coverage that you want from your insurance policy. Think about the amount of money that the insurance will provide to your family to cover funeral expenses. It is, however, worth noting that the more you can ‘claim,’ the higher your premium will be. If you cannot afford the premium for just one month, you might not have cover.
Types of Cover
It is worth finding out from the insurance provider whether they will pay the funeral expenses directly to your family (reimbursement or a lump sum upon death), or whether there is a particular funeral director that you must use. With AVBOB, you get a complete solution. They can arrange your funeral for you. Using them to arrange the funeral is very beneficial. You will get discounts on a lot of products and services.
It is worth noting that it is unlikely that you will be required to complete a medical examination if you want funeral cover. If the opportunity is there you must seize it. Those who are in the best of health will find that they can score themselves a far better price on funeral insurance than those who may be suffering from a life-threatening ailment. As I said though, it is scarce that you will be asked to complete a medical. It will only really happen if you are purchasing life insurance at the same time.
With AVBOB funeral cover, there will be no medicals. They give their clients the benefit of the doubt. There will be a six-month waiting period. This waiting period is only for natural death. Accidental death will have no waiting period. Covers start from the first premium.