Protecting Your Loved Ones with Care
Tailored Insurance for Your Family's Needs
Funeral Cover
Our Individual & Family Cover service offers peace of mind by protecting you and your extended family members. With flexible options tailored to various family sizes, you can ensure that financial burdens are minimized during challenging times. Let us help you honor your loved ones with a policy that reflects your family's needs. Experience financial relief with our Cash Payouts service, designed to assist families with funeral expenses when they need it most. This option provides immediate access to funds, easing the financial strain during a deeply emotional period.s.
Why Choose Embrace Legacy
A funeral plan designed around the people who matter most
No one plans for loss, but you can plan for what happens next. Embrace Legacy helps families prepare for tomorrow with affordable funeral cover and support when it matters most.
Paid within 48 hours
Approved claims are paid within two days, when your family needs it most.
Family protection
Main member, spouse, children and extended family can be protected under one plan.
Financial support
A cash benefit designed to give your loved ones financial support when it matters most.
Protection from day one
Accidental death is covered immediately, helping give your family peace of mind.
Plan today so your family doesn't have to worry tomorrow.
We believe preparing for the inevitable should not create another financial burden. That's why Embrace Legacy focuses on accessible funeral protection built around real families and real budgets.
Four plans. One that fits your family.
Premiums shown are per main member, per month, ages 18–65.
Protection with flexibility when your family needs it.
Embrace Legacy funeral plans give families a choice in how the benefit is directed, depending on the selected policy structure.
Cover is also available for spouses, children and up to 10 extended family members on every plan. A 6-month waiting period applies for natural causes; accidental death is covered immediately. Entry age 18–75 for principal members. Embrace Legacy (Pty) Ltd is an authorised Financial Services Provider, FSP No. 53892. Cover is underwritten by Guardrisk Life Ltd (FSP 76), a licensed Life Insurer.
Protect your family's future today
Speak to an accredited Embrace Legacy consultant and find the plan that fits your family.
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Calculate your funeral cover premium
Choose a plan and your family setup below to see an estimated monthly premium. When you're ready, an accredited consultant can confirm and assist you.
Estimated monthly premium
R31 /month
This calculator gives an estimate based on Embrace Legacy's published rate card and is not a formal quotation. A 6-month waiting period applies for natural causes; accidental death is covered immediately. Premiums are fixed for the first 12 months, subject to actuarial review thereafter. Embrace Legacy (Pty) Ltd is an authorised Financial Services Provider, FSP No. 53892. Cover is underwritten by Guardrisk Life Ltd (FSP 76), a licensed Life Insurer.
One funeral plan.
Two ways to receive the benefit.
With Embrace Legacy, your funeral plan gives you a choice in how the benefit can be paid. You can nominate the person who should receive the benefit, or nominate a funeral parlour of your choice to receive the payment directly.
Pay someone you trust.
Nominate a beneficiary to receive the funeral benefit, giving you the freedom to choose the person you trust to handle the financial needs that come with a funeral.
Pay the funeral parlour directly.
Prefer the funeral costs to be settled directly? You can nominate a funeral parlour of your choice, allowing the benefit to be paid directly to the nominated funeral parlour, subject to the policy terms.
When the time comes, you shouldn't have to wonder where the money is going. With Embrace Legacy, you have a choice.
Secure your family's future today.
Speak to an advisor about our own Guardrisk-underwritten policies, or let our broker division find the right fit from the wider market.
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