When a loved one passes
Your family
should not worry
about money.
Cash Funeral Cover That Pays Out in 24 Hours
- Cash payout (not restricted services)
- Covers South Africa & cross-border families
- Affordable monthly premiums
- Simple, fast and reliable
- Licensed FSP 41837
- Trusted Since 2007
Get Help Choosing the Right Cover
Complete the form below and we will contact you via Phone or WhatsApp
We respect your privacy. Your details are safe with us.
When a loved one passes
Your family
should not worry
about money.
Cash Funeral Cover That
Pays Out in 24 Hours
- Cash payout (not restricted services)
- Covers South Africa & cross-border families
- Affordable monthly premiums
- Simple, fast and reliable
- Licensed FSP 41837
- Trusted Since 2007
Complete the form below and we will contact you via Phone or WhatsApp
We respect your privacy. Your details are safe with us.
Cash Payout
You choose where to send
Claims Paid
Within 24 hours
Covers SA &
Cross-Border Families
Affordable
Premiums from R79 p/m
The reality
Funerals are expensive. Families are struggling.
In many of our communities, families are forced to raise money in the middle of grief. They borrow, they ask for donations, and they face pressure in just a few days.
Grief is hard enough. Financial stress shouldn’t be part of it
the solution
We give your family cash. Not restricted services
Our cash payments give your family the freedom to choose any funeral provider, cover transport costs, and take care of other important expenses.
- Covers the policy owner, spouse & dependents
- Extended family options available
- Still birth & accidental death benefits
- Cash rebates after 60 months
How it works
1. Choose Your Plan
Select a plan that fits your needs and budget.
2. Pay Your Premium
Pay monthly via debit order, debit or credit cards, Bank apps, partner retail outlets and point of sale channels.
3. Claim in 24 Hours
We process and payout claims within 24 hours (or one working day) after all documents are submitted.
Get Your cover today
Choose by Cover Amount
Enjoy a 10% cash back on total premiums every 60 months.
Most Popular
R119
/month
Family
Family cover includes the policy owner, spouse, and dependent children under one funeral policy.
R129
/month
Extended Family Member
Extended Family cover available for members aged 7 years minimum, with maximum entry age 75.
Dependent cover benefits
- From 1yr and equal to/or below 7yrs: 25% of cover
- Above 7 yrs, below or equal to 14yrs: 50% of cover
- Above 14 years, below or equal to 21 yrs.: 75% of cover
Still birth – 1 claim only for duration of policy R1250
Enjoy a 10% cash back on total premiums every 60 months.
Most Popular
R139
/month
Family
Family cover includes the policy owner, spouse, and dependent children under one funeral policy.
R179
/month
Extended Family Member
Extended Family cover available for members aged 7 years minimum, with maximum entry age 75.
Dependent cover benefits
- From 1yr and equal to/or below 7yrs: 25% of cover
- Above 7 yrs, below or equal to 14yrs: 50% of cover
- Above 14 years, below or equal to 21 yrs.: 75% of cover
Still birth – 1 claim only for duration of policy R2500
Enjoy a 10% cash back on total premiums every 60 months.
R119
/month
Policy owner
Premium rate applies to the policy owner only.
Most Popular
R159
/month
Family
Family cover includes the policy owner, spouse, and dependent children under one funeral policy.
R239
/month
Extended Family Member
Extended Family cover available for members aged 7 years minimum, with maximum entry age 75.
Dependent cover benefits
- From 1yr and equal to/or below 7yrs: 25% of cover
- Above 7 yrs, below or equal to 14yrs: 50% of cover
- Above 14 years, below or equal to 21 yrs.: 75% of cover
Still birth – 1 claim only for duration of policy R3750
Enjoy a 10% cash back on total premiums every 60 months.
Most Popular
R179
/month
Family
Family cover includes the policy owner, spouse, and dependent children under one funeral policy.
R279
/month
Extended Family Member
Extended Family cover available for members aged 7 years minimum, with maximum entry age 75.
Dependent cover benefits
- From 1yr and equal to/or below 7yrs: 25% of cover
- Above 7 yrs, below or equal to 14yrs: 50% of cover
- Above 14 years, below or equal to 21 yrs.: 75% of cover
Still birth – 1 claim only for duration of policy R5000
Enjoy a 10% cash back on total premiums every 60 months.
R179
/month
Policy owner
Premium rate applies to the policy owner only.
Most Popular
R259
/month
Family
Family cover includes the policy owner, spouse, and dependent children under one funeral policy.
R329
/month
Extended Family Member
Extended Family cover available for members aged 7 years minimum, with maximum entry age 75.
Dependent cover benefits
- From 1yr and equal to/or below 7yrs: 25% of cover
- Above 7 yrs, below or equal to 14yrs: 50% of cover
- Above 14 years, below or equal to 21 yrs.: 75% of cover
Still birth – 1 claim only for duration of policy R6250
Enjoy a 10% cash back on total premiums every 60 months.
R269
/month
Policy owner
Premium rate applies to the policy owner only.
Most Popular
R349
/month
Family
Family cover includes the policy owner, spouse, and dependent children under one funeral policy.
R399
/month
Extended Family Member
Extended Family cover available for members aged 7 years minimum, with maximum entry age 75.
Dependent cover benefits
- From 1yr and equal to/or below 7yrs: 25% of cover
- Above 7 yrs, below or equal to 14yrs: 50% of cover
- Above 14 years, below or equal to 21 yrs.: 75% of cover
Still birth – 1 claim only for duration of policy R7500
PAY ANYWHERE, ANYTIME
Who we are
Our Story
Built on experience. Driven by purpose
With nearly 30 years in finance. I have seen how families suffer financially during their most painful moments. That’s why I built Shimanda Life, to protect families and give them dignity when it matters most.
D.Mhlanga
Founder & Director
Cover beyond borders
Your family is covered anywhere in the world
With nearly 30 years in finance. I have seen how families suffer financially during their most painful moments. That’s why I built Shimanda Life, to protect families and give them dignity when it matters most.
- South Africa
- Zimbabwe
- Africa-wide families
- International beneficiaries
Stories, Costs & Real-Life Moments
Real experiences around life and loss
Because Family Has No Borders
Affordable funeral cover for families living, working, and supporting loved ones across countries.
Frequently asked questions
How does Shimanda Life funeral cover work?
Shimanda Life provides cash funeral cover that pays out directly to your nominated beneficiary when a valid claim is approved. This gives your family the freedom to choose funeral services that suit their needs.
How long does it take for claims to be paid?
Claims are processed and paid within 24 hours (1 working day) after all required documents have been submitted and verified.
Can I cover family members living outside South Africa?
Yes. Shimanda Life is designed to support cross-border families, allowing cover for loved ones living in South Africa or abroad.
How can I pay my monthly premiums?
You can pay nationwide through multiple convenient payment methods, including:
- Debit order
- EasyPay retail stores
- Banking apps and online banking
- Selected point-of-sale payment channels
Is there a waiting period before I can claim?
Yes. The standard waiting periods are:
- Natural death: 6 months
- Suicide: 12 months
- Accidental death (policy owner only): 1 month
Terms and conditions apply.