Many people ask the same question when it comes to Funeral Cover:
“Am I still allowed to join, or am I too old?”
Here is how age works with funeral cover from Dis-Chem Life, explained in a clear and simple way.
The main member is the person who takes out the policy and pays the monthly premium.
You can join Funeral Cover if you are between 18 and 70 years old. This is the age when you join, not the age when cover ends. Once you are accepted, your Funeral Cover continues for life, as long as you keep paying your monthly premium.
In simple terms, you must start before 70, but your cover does not stop when you get older.
The age limit is not there to block people. It is there to keep Funeral Cover affordable for everyone.
Funeral Cover works because many people pay small amounts every month. When a family needs help, the money is paid out quickly. As people get much older, the chance of a claim becomes higher. If there were no joining age limits, the monthly cost would increase for all families.
Parents are treated differently from the main member.
The main member must join between 18 and 70 years old, but parents can be added up to 75 years old. This is because many people only start working later in life and only then are able to help with funeral costs for their parents. The policy is designed around real family situations in South Africa.
If a parent was added before age 75, their cover does not stop just because they are getting older, as long as premiums are paid.
These two are often confused, but they are not the same.
A parent added to the policy is a person who is covered. A beneficiary is the person who receives the money when there is a death. A beneficiary can be any age and does not need to be covered on the policy. They are simply the person you trust to receive the payout and help with funeral arrangements.
Possibly. As Funeral Cover grows and more options become available, slightly extended age ranges may be introduced. Any changes would still focus on fair pricing, sustainability, and making sure families can be supported when they need it most.
If you still fall within the age limits, take the step now. Main members can join from 18 to 70, and parents can be added up to 75. Once accepted, cover continues for life with ongoing premiums. Starting earlier gives you more choice and less stress.
Getting a Funeral Cover quote is easy. You can request a call from the call-centre by leaving your details below, and a consultant will contact you to help you with a quote. If you prefer speaking to someone in person, you can visit your nearest Dis-Chem store and ask to speak to a financial advisor about Funeral Cover.
If you are over 70 and have never joined before, you usually cannot start new Funeral Cover as the main member. If you joined earlier, your cover continues as long as premiums are paid.
Yes. Parents can be added up to age 75, even if they are older than the main member.
No. The age limit only applies when joining. If your parent was added before age 75, their cover continues.
Yes. A beneficiary can be anyone you trust, of any age. They do not need to be covered on the policy.
Start your health journey in any of our 330+ stores, call us, or join online today!
