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Debunking Common Funeral Cover Myths
Debunking Common Funeral Cover Myths
07 Oct 2025

Think you’ve got your facts straight about funeral cover? We’re busting myths so you can enjoy even more peace of mind.

Talking about funeral cover isn’t easy. Many of us put it off or avoid it completely, often because of things we’ve heard that simply aren’t true. The truth is, funeral cover is designed to be affordable, flexible and there to help your family financially when they need it most.

Let’s clear up a few of the biggest myths so you can see how funeral cover really works.

Myth 1: “Funeral cover is too expensive”

Funerals are expensive, not funeral cover! One of the main reasons people shy away from funeral cover is the belief that it will cost too much every month. But it doesn’t have to break the bank. With MiFuneral, you choose a premium that works for your budget, with cover that fits your family’s needs. Because it’s digital-first, you’re not paying extra for brokers or paperwork.

Having a policy in place means your family won’t be left scrambling to find money during an already heartbreaking time. Instead, they’ll have immediate financial support to give their loved one the farewell they deserve.


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Myth 2: “Funeral cover is only for the elderly”

It’s easy to think funeral cover is something you only need later in life, but the reality is that loss can happen at any age. MiFuneral allows you to cover not just yourself, but also your children, spouse, parents, and even extended family.

Being able to add loved ones to your policy means you’re protecting everyone who matters most to you. Whether you’re just starting your career or already planning for retirement, funeral cover is there to make sure your family won’t face financial strain when the unexpected happens.

Myth 3: “I don’t need funeral cover if I already have life insurance”

Life insurance and funeral cover often get confused, but they play different roles. Life insurance is there to protect long-term financial security, like paying school fees or settling debts. Funeral cover, on the other hand, pays out quickly to cover immediate costs like the service, transport, and burial or cremation.

With MiFuneral, your family can expect a payout within 48 hours of a valid claim. That means they’ll have the funds they need right when it matters most, without waiting weeks or months. Having both life and funeral cover gives you complete peace of mind.

Myth 4: “All funeral cover is the same”

Nope, not all funeral cover is created equally and MiFuneral is committed to giving you more. Each of our policies includes telephonic assistance with funeral arrangements and a Repatriation Service. This ensures that if a loved one passes away more than 100km from home, their remains can be brought back to their nearest funeral home in South Africa.

The Bottom Line

Funeral cover isn’t only for certain people, it’s for anyone who wants to take the weight off their family’s shoulders. Also, not all funeral cover is the same. By choosing MiFuneral, you’re making sure your loved ones are looked after financially and practically when they need it most. No myths, no confusion, just complete peace of mind.

Did You Know:

You can now take out affordable funeral cover with us online in a few simple steps. No calls and no agents! Discover the digital way to enjoy full peace of mind by buying a MiFuneral Policy cover online.

Need more information on MiWayLife? Read about our life insurance product, or get a life insurance quote in 30 seconds. Alternatively, call us on 0860 64 54 33 .
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Terms and conditions apply. Eligibility, cover and benefits are determined on individual risk profile. MiWayLife is an authorised FSP (No. 45741) and its product offering is underwritten by Sanlam Life Insurance Limited, a registered long-term insurer. MiWayLife is a division of Sanlam Life Insurance Limited - Reg No. 1998/021121/06