Liberty Funeral Plus Plan Review 2023

Liberty Funeral Plus Plan

Liberty Funeral Plus Plan is a funeral policy with a R5,000.00 minimum and a R100,000.00 maximum cover amount. Funeral cover premiums start at R40.00 per month.

For a minimum cover value of R5,000.00, the principal life assured can cover his or her spouse on the funeral plus plan. A spouse’s maximum cover amount is R100,000.00.

Children can be covered for a minimum of R5,000.00 and a maximum of R100,000.00 under the Liberty Funeral Plus plan.

Children’s covers can be broken down into 4 categories with the first cover being for kids aged 0 to 3 months.

The Liberty Funeral Plus Plan allows the main member to cover up to 10 children. Only those that are under the age of 25 can be covered.

The second option is a cover for stillborn which covers up to the amount of R3,000.00 for a stillborn or up to three-month-old baby.

The third cover is for children from 3 months to 5 years old, and it covers them for R20,000.00. The fourth cover, which is for children aged 6 to 13, provides up to R50,000.00 in coverage.

With the Liberty Funeral Cover, the principal life assured can additionally cover his or her parents with a minimum protection of R5,000.00 and a maximum cover of R80,000.00.

The Liberty Funeral Cover can cover extended family members for a minimum of R5,000.00 and a maximum of R50,000.00.

There are several benefits available with the Liberty Funeral Plus Plan. These extras are paid for separately and assist to enrich the funeral package. The following are some of the benefits that can be added to a funeral plan.

Liberty Funeral Benefits 

The Liberty Funeral Plus plan has 6 benefits to choose from where a policyholder can add one or more benefits to his/her funeral cover. Benefits include:

Tombstone Benefit

If the principal life assured or his or her spouse is covered by this benefit, the tombstone benefit provides a lump sum to the beneficiary. The benefit gives the recipient a lump sum of R10,000.00 per life assured to buy a tombstone for the life assured or his or her spouse. 

Because the Tombstone benefit has an age restriction, not everyone is eligible for it. Only people between the ages of 18 and 64 are eligible for the benefit. The main life assured is likewise subject to the age limit.

Double Accident Benefit

This benefit pays out twice as much as the chosen coverage. Only the principal life assured and his or her spouse are eligible for the double accident benefit. The spouse, on the other hand, must be chosen by the principal life assured and added to the double accident protection.

To be eligible for the double accident benefit, you must have a maximum funeral cover of R50,000.00. The double accident benefit pays a maximum of R100,000.00 with a maximum cover of R50,000.00.

Those between the ages of 18 and 65 are eligible for a double accident benefit. As a result, anyone over the age of 66 is ineligible for this benefit. Therefore, those who are 66 years of age or older cannot qualify for this benefit. The double accident benefit pays out if the assured dies in an accident which is sudden, violent, external, or unexpected and that death should happen within 14 days from the day of the accident event. 

Paid Up benefit

The paid-up benefit ensures that when the policyholder reaches the age of 65  he/she will have their premiums stopped. The funeral plan will still be active. The policyholder won’t be able to add new members to the policy once they reach 65 years. 

Inkomo cash benefit 

When making a claim the Inkomo cash benefit will also make a lump sum payment to the beneficiaries at the same time with the funeral cover. R10,000.00 will be paid per life assured so that a cow can be bought. 

Cashback benefit 

The cashback benefit is an optional benefit that can be taken with the Liberty Funeral plan. 10% of the policyholder will be paid back. Premiums paid back are those that have been received during a five-year cycle. 

Value Adds benefit

Value adds benefit is there to help in making sure that the funeral arrangements are conducted orderly. The benefit provides R1000.00 towards airtime, R1000.00 towards groceries, and R3000.00 towards transportation. 

Advantages of the Liberty Funeral Plus Plan 

  • The funeral plan comes with low premiums. 
  • There are a number of benefits that can be added.
  • Parents, spouses, and children can be added to the insurance policy. 
  • Extended family members can be added. 
  • There is an optional cash benefit. 

Disadvantages of the Liberty Funeral Plus Plan 

  • There are a 6 months waiting period for all lives assured. 
  • Suicide has 12 months waiting period. 
  • Payout takes up to 48 hours which is long considering that other funeral plans make a payout within 24 hours. 


As one of South Africa’s most economical funeral plans, the Liberty Funeral Plus plan has benefits that can be added to the plan to improve the coverage. A tombstone benefit, for example, can be added to a funeral plan.

The Liberty Funeral Plus plan is adaptable to the needs of immediate and extended family members. The policyholder can tailor his or her coverage to the amount he or she wishes to be insured for and the cover can also be customized for an additional fee.

You can simply apply for the Liberty Funeral Plus plan on the Liberty website. However, a call from Liberty regarding the Funeral Plus coverage might be requested.

Quick Poll



South Africa’s primary source of financial tools and information

Contact Us


Rateweb strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products, shopping products and services are presented without warranty. When evaluating offers, please review the financial institution’s Terms and Conditions.

Rateweb is not a financial service provider and should in no way be seen as one. In compiling the articles for our website due caution was exercised in an attempt to gather information from reliable and accurate sources. The articles are of a general nature and do not purport to offer specialised and or personalised financial or investment advice. Neither the author, nor the publisher, will accept any responsibility for losses, omissions, errors, fortunes or misfortunes that may be suffered by any person that acts or refrains from acting as a result of these articles.