Family Funeral Lite

The Viva Life Family Funeral Lite policy provides affordable and simple cover, giving you peace-of-mind that in the event of your death, your family or loved ones are protected against unexpected funeral costs from R29 per month.

Key Benefits
  • Cover of up to R50 000 for yourself and up to 9 additional family members including your spouse, parents and children.
  • Payment of a valid claim within 48 hours of us receiving all the necessary claims documentation.
  • No waiting periods for accidental death.

Adding a beneficiary

Add a beneficiary to your policy so that we can pay directly to them. You can do this by calling our customer services team on 086 100 VIVA (8482) or via email to

How to claim

In the event of your death, your beneficiary will need to contact us by emailing or calling 086 100 VIVA(8482). We will request the relevant documents, to ensure the claim is assessed efficiently.

We require notification of death within 90 (ninety) days of it happening. If we are not informed within that time, the claim could be repudiated.

For your claim to be paid we require:
  • That your premiums are up to date
  • Correct and completed claims documents.
Disputed Claims:
  • We allow 90 (ninety) days from the date of the communication of our decision for your beneficiary or estate to question our decision on a claim.
  • Should we repudiate the claim again and they wish to start a legal process or log a complaint with the Long-term Insurance Ombud, they will have an additional 180 days, after the 90-day period, to do so.

Monthly Premium

Premiums are payable in advance on the selected debit order date. Your premiums are subject to change, depending on the claims, expense and investment experience of Viva Life Insurance Limited.Premiums will increase annually by 6% on the anniversary of the policy.

We will communicate any changes in premiums to you with a 31-day notice.

Any problems or issues?

If you have any issues or questions about your cover, feel free to call us on 086 100 VIVA (8482), or email us on to get more information on the policy.

For complaints and compliance

We appreciate you as a client, so if at any point you are unhappy with our service or product, please contact us using the following:


Give us a chance to resolve the matter. To ensure our focused attention, please contact us using the following details:

Viva Life Head Office

Postnet Suite 33,
Private Bag X75

Call: 086 100 VIVA (8482)
Fax: 086 681 3311


If complaints about our products don't get resolved, we are also accountable to the Long-Term Insurance Ombud. Their contact details are:

Ombudsman for Long-Term Insurance

Private Bag X45

Call: 0860 103 236
Fax: 021 674 0951


Give us a chance to resolve the matter. To ensure our focused attention, please contact us using the following details:

Office of the FAIS Ombud

PO Box 74571
Lynnwood Ridge

Call: 0860 324 766
Fax: 012 348 3447

Terms and Conditions

  • You must have a valid South African Identity Document.
  • You must be over 18 years and not older than 60 years on your next birthday to be eligible for cover.
  • Your parents or spouse may not be older than 75 on their next birthday.
  • Children are only covered up to the age of 30.
  • We will not pay out if your death is as result of deliberate involvement in an illegal act, riot, civil commotion, terrorist attack, or war.
  • Your premiums will be renewed and reviewed monthly.
  • There is a 6-month claim waiting period on your policy and we will not pay out if your death is not as a result of an accident.
  • Cover is limited per insured child as follows:
    • The sum assured up to a limit of R20 000 for children up to the age of 6 years.
    • The full sum assured for children 6 years of age and older.
  • Cover is limited per insured parent as follows:
    • The sum assured up to a limit of R20 000
    • For non-accidental causes cover is limited to 10% of the sum assured for parents as a result of life events occurring between 7 months up to 12 months and full cover will commence thereafter.


Why Should I buy Family Funeral Lite?

Many individuals prefer to postpone the purchase of any insurance until such a time that they have dependents. It is important to ask yourself if anyone will suffer financially if you were to die. It would be unwise to delay purchasing such insurance.

When does my cover begin?

Cover begins once your application has been approved by the insurance company and your first premium due, has been paid.

What happens if I miss a payment?

Should you miss a payment for any reason, we will collect a double debit order the following month for up to a maximum of 3 months. If your policy lapse and you would like to reinstate and resume payments, waiting periods would reapply.

Are the proceeds from an insurance policy taxable?

The proceeds from an insurance policy are not taxable because of their nature. The proceeds are of a capital nature and are therefore not taxable as income. All proceeds that are of a capital nature are subject to Capital Gains Tax. However, the proceeds from insurance are exempt from Capital Gains Tax.

Is there a waiting period when I cannot claim?

There are no waiting periods if your death is as a result of an accident. However there is a 6-month waiting period in the event of death due to natural causes.

How long does it take my beneficiary to receive my money after I die?

Your beneficiary can receive payment within 48 hours of the claim. Promptness of payment is dependent on the correct documentation being supplied to us.