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Funeral Plans by Metropolitan



Metropolitan Life has a 114-year history with more than four million customers, which makes them one of the top three life insurance groups in southern Africa. They are the fourth largest listed life assurer in terms of size, a JSE Top 100 company and the third most recognised brand in the insurance industry.

Metropolitan Life offers a very comprehensive suite of funeral plans. As follows:

Family Funeral Plan

The Family Funeral Plan offers you funeral protection at affordable rates up to R50,000 for you, your life partner and your minor, unmarried children (up to age 21). You need to be younger than 60 years age next birthday to qualify for this plan.

Member and Children Funeral Plan

This plan offers you funeral protection at affordable rates up to R50,000 for you, your minor, unmarried children (up to age 21). You need to be younger than 60 years age next birthday to qualify for this plan. Students are covered to age 25 years. There is no age limit for wholly dependent children as a result of mental or physical infirmity.

Member and Life Partner Plan

This plan offers you funeral protection at affordable rates up to R50,000 for you and your life partner. You need to be younger than 60 years age next birthday to qualify for this plan.

Member Only Funeral Plan

The Member Only Funeral Plan offers members funeral protection at affordable rates up to R50,000. You need to be 60 years age next birthday to qualify for this plan.

Parent Funeral Plan

The Parent Funeral Plan provide funeral benefits covering your parents and/or parents-in-law up to R30,000. Premiums are based on the age next birthday of parents and payable per participant.


Parents/-in-law must be younger than 85 years age next birthday to join or upgrade. Amongst other requirements.

Extended Family Funeral Plan

The Extended Family Funeral Plan provide funeral benefits covering your extended family members up to R30,000.

Metropolitan also provides other additional benefits at no extra costs under your policy. One must carefully read through their policy documents for all the stipulations of cover. It is critically important to do so!

Inflation Benefit on Metropolitan Funeral Plans

One such benefit is the Automatic Inflation Management (AIM) benefit: that ensures that your funeral payout keeps track with inflation (increase in prices).

Please take note By not adding AIM to your policy, your cover may be insufficient at the time of a funeral due to price increases over time. It is critical therefore to have an inflationary adjustment on your policy. With the increases taking place on your policy anniversary each year.

You can choose an AIM increase of either 6% or 10%. Your choice will depend on how much you can afford to pay and your financial needs.

  • If you choose 6%, your premium will increase by 6% and your cover level will increase by 4.2%.
  • If you choose 10%, your premium will increase by 10% and your cover level will increase by 7%.

Take a look at the effect AIM will have on your premium and cover level:

Inflationary effect on funeral policy premiums and corresponding cover amounts



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