Funeral Cover

Give your family dignity when it matters most.

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Underwritten by Old Mutual

Strong claims-payment record

Fast quote turnaround

Cover across Botswana & SADC

Regulated by NBFIRA, Botswana

Personal Insurance

What is Funeral Cover?

Give your family dignity when it matters most.

Seedstone Insurance Agency arranges and manages your cover end to end — from quote to claim — so you always deal with one trusted team. Your policy is underwritten by Old Mutual Botswana, giving you the security of an established insurer behind every claim.

Plans Available

Choose the funeral plan that fits

Two ways to take out cover — an individual plan you own, or an employer-sponsored scheme for your whole team.

Individual Plan

Ka Metlha Funeral Plan

A flexible funeral plan you hold in your own name. Choose who you cover and the level of benefit that suits your family, with a cash payout that reaches your loved ones quickly when it matters most.

Who you can cover

Myself only
Me + my immediate family (spouse and children)
Me + family + parents / parents-in-law
Me + family + extended family members

Plan benefits

Cashback benefit

A portion of your premiums is returned after a set period of continuous, claim-free cover.

Accidental death cover

An additional benefit is paid if death results from an accident.

No medical underwriting

No medical exams or tests — acceptance is simple and quick.

Flexible cover

Adjust your cover amount and the family members included as your needs change.

Employer-Sponsored

Group Funeral Scheme

An employer-sponsored funeral product designed to help employees and their families meet funeral costs at the time of death. The employer arranges and manages a single scheme that covers the whole team.

Who qualifies

Main member (the employee)
Spouse
Children
Parents / parents-in-law

What makes it stand out

No medical underwriting

Members are accepted on a no-medical basis within the standard scheme terms.

Employer-managed

The employer administers membership and contributions — usually via payroll — so it is effortless for staff.

Broad family coverage

Cover extends well beyond the employee to spouse, children, and parents / in-laws.

Policy Coverage

What's included in this policy

Cash lump-sum payout towards funeral costs
Repatriation / transport of the deceased
Grocery benefit to support the family
Tombstone benefit (optional)
Cover continues if you change employers (individual plan)

Key Benefits

Why clients choose this cover

48-Hour Payout

Funeral claims settled within 48 hours of receiving documentation.

Whole-Family Cover

Extend cover to spouse, children, parents and extended family.

Affordable Premiums

Cover from as little as BWP 80 per month.

Get Started

Request your Funeral Cover quote

Tell us a little about what you need to protect and an advisor will be in touch — usually within two hours, with no obligation.

Free, no-obligation quote
A real advisor responds within 2 hours
Underwritten by Old Mutual Botswana

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FAQs

Common Questions

Ka Metlha is an individual plan you own personally and take with you. The Group scheme is arranged by an employer to cover their whole team. Both pay a cash benefit and require no medical underwriting.

Mmereki Group Insurance Scheme

Looking for the original Mmereki assessment?

The Mmereki Group Insurance Scheme — administered by Seedstone Capital and underwritten by Old Mutual Life Botswana — offers comprehensive personal cover including Life Assurance, Income Protection, Critical Illness, Credit Life, and Funeral Cover, all in your own name.

Take the Free Mmereki Assessment

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