Terms of service

Armour Burial Society Funeral Plan Key Information

Please check if the information on the policy schedule is correct and complete and that all your dependants are listed accordingly.

Armour Burial Society will NOT bury relatives who are not covered by the funeral plan. If you do not have a membership card, you will pay for transportation of the body if the distance is over 60km from our mortuary.

If the deceased is at home, please contact us immediately. Do not contact other funeral parlours because they will charge you and the family will be held accountable for the costs.

You must report the death at our offices within 6 months. No funeral benefit is payable if we are notified of the claim later than 6 months after a deceased’s date of death.

Waiting Periods of Policy:

• Suicide: 12 months waiting period.
• 5-months waiting period for ages 14-50 & 6-months waiting period for age 51-99.
• Top-ups: All top-ups have a 6-month waiting period.

If your policy has lapsed and you reinstate your policy:

It is important that you pay your premium every month. Your policy will lapse if the premium is not paid. If your policy is not paid for 2 months 10 days, it will lapse.

We will not reinstate a lapsed funeral plan until all unpaid premiums have been paid. We will not consider reinstatement if this is only requested at claims stage.

• Within 2 Months from lapsed date – Client pays the amount in arrears. Policy can be reinstated. No waiting period. (Including Top-ups).
• More than 2 Months from the lapsed date – Policy can be reinstated. 1 month waiting period. (Including Top-ups).
• More than 6 months from the lapsed date – Policy can be reinstated. Normal waiting periods: 3-months for ages 14-65 (including Top-ups) & 6-months for ages 65-99 (including Top-ups).

Email: info@armourburialsociety.co.za
Armour Burial Society (Pty) Ltd

Armour Burial Society Terms & Conditions:

• Armour Burial Society Plans: Silver Plan, Gold Plan & Platinum Plan.

When does my cover start?

Your policy will trigger on the first day of the month after receipt of your first premium and the cover instigates, subject to the relevant waiting period. If the first premium was received on or before the 20th of the current month, the effective entry date will be on the 1st of the current month. Should the first premium be received after the 20th of the current month, then the effective entry date will be on the 1st of the following month.

Chilling period:

Armour Burial Society offers a chilling period of 31 days commencing on the date in which the policyholder received their policy documents confirming cover. Your premiums will be refunded subject to the terms and conditions set out in the Policyholder Protection Rules. No penalty will be charged.

Who can become a member?

Any person who has a South African Identity document and who is between the ages of 16-99 years can become a member. If you are under 18, you must bring a consent form from your guardian. If there is no guardian available, bring an affidavit from the SAPS. Children are covered under their parent’s funeral plan until they are 21 years old. Children under the age of 23, who are full-time students, can be covered under their parent’s funeral plan, provided that they produce their proof of registration.

Children born with cognitive challenges or physical disabilities, who by the age of 21 were already covered under their parent’s funeral plan, can remain under their parent’s funeral plan. Armour Burial Society reserves the right to request medical proof confirming permanent disability and proof of factual dependency on the parent. Persons who are above the age of 21, who have disabilities and who were not part of the Armour Burial Society Plan before the age of 21, will need to take out their own funeral plan as adults.

What is the waiting period?

The waiting period is in place not only to protect your family from fraud but also to protect Armour Burial Society from fraudulent claims. The waiting period is five (5) months for members between the ages of 14 and 65 years. All members between the ages of 65 – 99 years will have to wait six (6) months. This waiting period is applicable to death due to natural or unnatural causes (other than accident or suicide).

Payment methods:

• Debit order: Sign the mandate form at our branch.
• Stop order: Arrange with your bank to pay on your chosen date.
• Pay@ facility: Available at Shoprite, Checkers, Ackermans, PEP, Boxers, Game, Pick n Pay, Massmart, Spar, Builders, Makro, Flash, Usave, etc.
• Direct deposit: Use the funeral plan number (ABS) as a reference. Consult the branch for current bank details.
• Cash payments: Pay at any branch and receive a computerized slip.

For how long does my cover last?

Your funeral plan will remain active as long as you pay the full premium on time every month until your death, or until you stop making payments. If payments are missed, the plan will lapse after two consecutive missed premiums. A grace period of 67 days is provided to catch up on missed payments.

When does my funeral plan lapse?

The funeral plan will lapse after the non-payment of two consecutive premiums. It is crucial to pay monthly premiums to maintain coverage. If the primary member passes, their spouse or partner may choose to continue the plan. If not, the plan will lapse.

If my funeral plan lapses, do I get a refund?

No refund is provided if a funeral plan lapses. Cover is provided on a month-to-month basis, and no surrender values are applicable.

Can I re-establish my funeral plan?

A lapsed plan can be reinstated under specific terms, subject to payment of all unpaid premiums. Armour Burial Society reserves the right to accept or decline reinstatement requests.

The claiming process:

In the event of a claim, report the death to our offices within 6 months. Take the following documents to your nearest branch:

• Death certificate
• Copy of deceased’s ID
• BI 1663
• Certified copy of main member and/or beneficiary’s ID
• Police reports (in case of unnatural or accidental death)
• Bank statement of main member or beneficiary
• Claimant’s ID

All premium payments must be up to date at the time of a claim. Armour Burial Society reserves the right to request additional documentation.

Important information:

No representative or any other person may ask you or offer any inducement to you to waive any right or benefit conferred on you by or in terms of any provision of the General Codes of Conduct. A copy of the Code of Conduct is available upon request.

No person acting on behalf of Armour Burial Society may request you to sign any written or printed form or document unless all the details required to be inserted by you, or on your behalf, have already been inserted.

Please be aware when completing any documentation or providing any information, that all material facts must be accurate and properly disclosed. You are entirely responsible for the accuracy and completeness of all answers, statements or other information provided by you or on your behalf. Any misrepresentation or non-disclosure of a material fact or the inclusion of incorrect information could result in the cancellation of the policy.

Complaints: