DIRECT CREMATION

Direct Cremation is a disposition option in which the body is cremated in the days immediately following death, without a funeral service beforehand. Direct Cremation is the most economic (affordable) option for disposition.

Basic features of Direct Cremation:

Because Direct Cremation does not include a formal funeral or any pre-funeral events, many of the costs of a traditional funeral are avoided.

• The body is cremated within a few days after death as soon as necessary schedules have been completed and the required permit has been obtained

• The body is usually cremated in a simple container, rather than an expensive casket

• There is no viewing, visitation, or wake before the cremation, which eliminates the costs associated therewith

• A memorial service may be held at a later date, which eliminates the need for an expensive casket and funeral arrangements

 

A summary of what our Direct Cremation Service includes:

• Removal of body from place of death to funeral home for preservation until service

• Registration of death

• Completion of necessary schedules in order to obtain permit for permission to cremate

• Body then placed in suitable cremation coffin and transported to crematorium

• Body cremated

• Ashes may either be scattered at the crematorium or returned to the family

• Should the family wish to retain the ashes, an urn will be provided

WEEKDAY CREMATION WITH ATTENDANCE

If one would like to have a service before the cremation and have the deceased present at the service, you will not be planning a direct cremation, but rather a “traditional” cremation.

A Traditional Service with Cremation is the best way to incorporate the benefits of both a traditional funeral service and cremation. The decedent would be prepared and placed in a coffin / casket. The funeral service will be held with coffin / casket present. Typically these services take place in a church or a chapel and may include prayers, poems, or songs to remember the deceased. The cremation would be performed after the services are complete.

WEEKEND OR PUBLIC HOLIDAY CREMATION WITH ATTENDANCE

A service held on a weekend or public holiday with attendance will also be considered a Traditional Service with Cremation. Due to the service being held on a weekend or public holiday, additional after-hours fees will also be levied.

EXTRA’S

• Pastor

• Organist

• Catering

• Floral arrangements

• Death notifications

• Chapel, i.e. Fourways Memorials Park, Braamfontein Crematorium

• Programmes, etc.

Please call or email your specific requirements.

FUNERAL

There are many funeral service options available to families who select burial as the final disposition of their loved one. A traditional funeral service consists of a time for a private or public viewing of the deceased, a funeral service to remember and honour them, followed by a procession to the cemetery for a graveside ceremony to formally say goodbye. Within this framework, there are numerous variations by which to specifically tailor a funeral service to respect the wishes of the decedent and their family.

Please call or email your specific requirements.

FUNERAL / CREMATION INSURANCE

The feature of our funeral/cremation insurance is as follows:

• No medical examination required or HIV testing

• Immediate cover for accidental death on payment of initiation fee and first premium

• New members on all plans and all cover values will have a 6 – month waiting period for natural causes for persons under 75 yrs. of age and 12 months for those over 75 yrs. of age

• After waiting period has lapsed there will be no exclusion on claims, provided the correct documentation is received and payments are up to date

• 5 biological / own children included on both individual and family plans

• Initiation fee of R100.00 is payable on all new policies in addition to the 1st months premium.

Individual funeral plan – Main member and up to 5 children

 

Benefit

Benefit

Benefit

Benefit

Benefit

Main member

R 5 000.00

R 7 500.00

R 10 000.00

R 15 000.00

R 18 000.00

Spouse

R 5 000.00

R 7 500.00

R 10 000.00

R 15 000.00

R 18 000.00

Child 14 – 21 yrs.

R 5 000.00

R 7 500.00

R 7 500.00

R 7 500.00

R 18 000.00

Child  6 – 13 yrs.

R 2 500.00

R 3 750.00

R 2 500.00

R 2 500.00

R 9 000.00

Child 1 – 5 yrs.

R 1 250.00

R 1 875.00

R 2 500.00

R 3 750.00

R 4 500.00

Child 0 – 11 mnths

R 1 250.00

R 1 875.00

R 2 500.00

R 3 750.00

R 4 500.00

Stillborn

R 1 250.00

R 1 875.00

R 2 500.00

R 3 750.00

R 4 500.00

Monthly premium

(Below 65 yrs.)

R 45.00

R 58.00

R 75.00

R 100.00

R 115.00

Monthly premium

(65 – 74 yrs.)

R 60.00

R 90.00

R 100.00

R 140.00

R 165.00

Monthly premium

(75 – 84 yrs.)

R 115.00

R 165.00

R 190.00

R 235.00

R 290.00

Family Funeral Cover – Main member, Spouse, up to 5 children

 

Benefit

Benefit

Benefit

Benefit

Benefit

Main member

R 5 000.00

R 7 500.00

R 10 000.00

R 15 000.00

R 18 000.00

Spouse

R 5 000.00

R 7 500.00

R 10 000.00

R 15 000.00

R 18 000.00

Child 14 – 21 yrs.

R 5 000.00

R 7 500.00

R 7 500.00

R 7 500.00

R 18 000.00

Child  6 – 13 yrs.

R 2 500.00

R 3 750.00

R 2 500.00

R 2 500.00

R 9 000.00

Child 1 – 5 yrs.

R 1 250.00

R 1 875.00

R 2 500.00

R 3 750.00

R 4 500.00

Child 0 – 11 mnths

R 1 250.00

R 1 875.00

R 2 500.00

R 3 750.00

R 4 500.00

Stillborn

R 1 250.00

R 1 875.00

R 2 500.00

R 3 750.00

R 4 500.00

Monthly premium

(Below 65 yrs.)

R 60.00

R 80.00

R 100.00

R 135.00

R 160.00

Monthly premium

(65 – 74 yrs.)

R 75.00

R 115.00

R 130.00

R 190.00

R220.00

Monthly premium

(75 – 84 yrs.)

R 145.00

R 220.00

R 270.00

No Cover

No Cover

The 1 + 9 funeral plan – Main member plus nine nominated members

• This plan provides for a principal member plus nine nominated members (children or adults)

• The principal member including the (9) nine nominated members will be covered for the selected amount

• Repatriation benefits are included for the principal member, as well as the (9) nine nominated members on the scheme

• Maximum entry age for spouse is 65 years / Cessation age of scheme is 99 years

• A 6 (six) month waiting period will apply to all new entrants

• Death as a result of participation in war, riot and civil commotion or terrorism will not be covered

• Suicide will be excluded for the first 24 months

Main members and nominated members all under the age of 65 years

Benefit payable to main member as well as 9 nominated members

Monthly premium

R 3 000.00

R 85.00

R 5 000.00

R 125.00

R 7 500.00

R 175.00

R 10 000.00

R 220.00

up to 4 extra children can be added

R 3 000 / R 5 000 R10/per child

 

R 7 500 / R10 000 R20/per child

Main members and nominated members all under the age of 70 years

Benefit payable to main member as well as 9 nominated members

Monthly premium

R 3 000.00

R 105.00

R 5 000.00

R 145.00

R 7 500.00

R 195.00

R 10 000.00

R 265.00

up to 4 extra children can be added

R 3 000 / R 5 000 R10/per child

 

R 7 500 / R10 000 R20/per child