Funeral
Funeral cover comparison 2026: AVBOB vs Old Mutual vs Sanlam vs Clientèle
We compare South Africa's four biggest funeral insurers on cover, payout speed, extended family and waiting periods.
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Overview
Funeral cover is the most-bought insurance product in South Africa, with more than 14 million active policies. The big four — AVBOB, Old Mutual, Sanlam and Clientèle — control over 70% of the market.
How funeral pricing works in SA
AVBOB pairs cash payouts with a free funeral service (worth up to R16,000), which makes it the rand-for-rand leader for families that intend to use an AVBOB branch.
Key factors to compare
Old Mutual and Sanlam lead on extended family riders — covering up to 13 additional members including in-laws and grandparents. Waiting periods on natural-cause deaths are standard 6 months across all four.
What to do next
Clientèle leads on payout speed, with verified claims settled in 4 business hours during weekdays. For a family of four with R30,000 of cover, monthly premiums sit between R165 and R245 depending on provider.
Frequently asked questions
How much does funeral cover cost in South Africa?+
Premiums vary by insurer, risk profile and product. The fastest way to benchmark is to compare matched quotes from multiple providers — see our funeral comparison.
Which insurers should I compare for funeral?+
We track 35+ South African insurers including Discovery, OUTsurance, Santam, MiWay, King Price, Momentum and Old Mutual. Get matched in under 2 minutes.
Is comparing quotes free?+
Yes. CompareInsurance.co.za is free, independent and POPIA-compliant. We never sell your details — we match you with FSCA-licensed providers only.
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Reviewed by SA-licensed FSCA broker panel. Editorial is independent of our commercial relationships — see our methodology.