A cover calculator built for South Africans.
Choose funeral or life cover, move the sliders, and see your estimate in rand — free, no personal details.
Start your free calculationUse it as many times as you like to understand your numbers.
Examples of major South African insurers
- Discovery Life
- Sanlam
- Old Mutual
- Liberty
- 1Life
- Metropolitan
- FNB Life
- Hollard
- Assupol
- Safrican
These names are shown as examples of established insurers in South Africa. UtilityCover is independent and does not represent or endorse any specific provider.
Estimate your cover
Step 1 — pick a cover type, set your details, then tap Calculate.
Set your details and tap Calculate.
Why this range?
We weight a base cost by your province’s typical funeral costs, your age, and how many people you’re covering. Life cover uses roughly 10–12× your annual income, adjusted for dependants. These are planning estimates — your real quote depends on the provider.
Compare three cover scenarios
Adjust each cover amount to see how the monthly premium changes, then mark your preferred scenario.
How to choose the right cover
A complete, independent PDF — how funeral and life cover work here, what fair pricing looks like, and how to compare partners without getting upsold.
- Cover types & real cost breakdowns
- Life-cover calculation methods
- How to compare quotes properly
- Mistakes South Africans make
How to use this calculator
Estimate
Set your age, province and family size. Your estimate appears in rand.
Compare
Weigh three cover scenarios and pick what fits your budget.
Decide
Get quotes from vetted partners or grab the guide. You stay in control.
How funeral and life cover work in South Africa
A funeral cover calculator for South Africa helps you estimate the real cost of a funeral — coffin and service, transport and logistics, catering and extras — so you choose a pay-out that genuinely covers the day. Funeral policies are built to pay out fast, usually within 48 hours.
A life cover calculator for South Africa sizes a larger lump sum that can replace your income, settle debts and support dependants for years — commonly 10–12 times your annual income.
Smart planning means you estimate funeral costs first, then compare funeral cover options on pay-out, waiting period and premium. This tool gives the numbers; licensed providers give the advice.