Funeral Calculator

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Funeral Sum Insured Calculator

All you need to do is answer a few simple questions and calculate the sum insured
you need for your Funeral Benefit.

We’ve taken the guesswork out of funeral cover for you. This tool will help to calculate the sum insured you need for your Funeral Benefit based on the type of burial you choose. The cost of a funeral varies widely depending on the service providers, so the results of this tool are only a guide. We recommend you speak to a financial advisor for expert and accurate advice.

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Hi there, what's your name?

Just your first name, so we can personalise your results

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Nice to meet you, !

We'll now ask you a few questions to start creating your budget. The whole proccess shouldn't take more than 5 minutes of your time.

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Lets’ start with the basics.
What would you like to spend on your burial?

We'll start your budget with a basic price that covers the essential costs: fees for a funeral director, cemetery and an undertaker. The cost for a basic urn or coffin is included as well. After this question, you can personalise your options such as choosing a coffin, transport, funeral service with guests, etc.

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Do you want to allocate extra budget for a high quality coffin, casket or urn?

If you're happy with a basic coffin, casket or urn, you can skip this question. If you prefer a higher quality option, you can add an extra option here.

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Would you like to add some additional budget for a memorial or headstone?

Depending on your budget, you can use an existing memorial or headstone to save costs or have your own made. If you take out a funeral policy from Virgin Money Insurance, a benefit of R5 000 will be paid over and above your chosen funeral benefit for all insured members over the age of 14.

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Do you want to add extra budget for transporting the late loved one and your close relatives?

You can hire a hearse (R2 000) or several hire cars for the closest family (R800 and upwards).

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Would you like to allocate budget for any extra repatriation costs?

Do you have enough money to cover the transport costs of travelling to the burial site? These costs will depend on how far the late loved one is located from the burial place. The funeral policy from Virgin Money Insurance allows you a repatriation benefit of up to R10 000 for national repatriation per family per year in addition to the funeral benefit you’ve chosen.

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Would you like to help your family with airtime to contact people who would appreciate knowing about the funeral?

It’s important to keep in touch in the event of a loved one passing away. Airtime comes in handy when it comes to arranging the ceremonies and inviting family members to the funeral service. Your funeral policy with us includes an airtime voucher to the value of R1 000 in the event of your death and/or the death of your nominated spouse.

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Now that the basics are covered, let's take care of your guests.

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Would you like to hire a function venue for the funeral service?

Depending on how many guests you’d like to invite, you can rent a chapel, church or a hall. A small chapel normally starts at R500, while the more expensive options range between R7 000 to R12 000.

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Would you need to rent a tent?

You can hire tents as well as tables and chairs. There are plenty of options available, starting from R5 000 upwards. (Make a selection in the dropdown selection first).

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Would you like to allocate extra budget for decorations and printed programmes?

You can add a personal touch to the funeral arrangements with flowers, printed programmes or other personalised arrangements.

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Would you like to cater for your guests?

As part of a funeral policy from Virgin Money Insurance, we’ll provide a grocery benefit to the value of R6 000, over and above your chosen funeral benefit amount, in the event of your death or your nominated spouse's death.

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Would you like to provide transport to your guests?

If you have many guests travelling to attend the funeral, you may need to rent a car or hire a bus.

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During your service, would you like a musician or band to play in your honour?

Live music adds a special touch to the service. A single performer will cost around R500, while a band will be more expensive.

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Finally, let's make sure we cover any other costs that you’d like to add.

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Would you like to allow budget for any extra commemorations?

Aside from the funeral ceremony, you might want to hold extra commemorations, such as family gatherings, unveiling of the headstone, cleansing, etc.

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And finally, would you like to add extra budget to cover any other costs not mentioned above?

Have we missed anything? If you have any other specific needs, our policies can provide cover up to R100 000 so you can add any extra budget allocation here.

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, theThe total sum insured you have calculated that you need for your Funeral Benefit is

You can tweak the above values or get a quote for

This is less than the minimum sum insured that’s available. You can tweak the above values or obtain a quote for the minimum value of R 10 000.

This is more than the maximum sum insured that is available. You can tweak the above values or obtain a quote for the maximum value of R100 000.

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