Policy Terms
Please read these terms carefully before applying for cover. By submitting an application you agree to be bound by these terms.
Last Updated: April 2026 · TFI Brokers — Division of Trinity Financial Services Group (PTY) Ltd · FSP No. 52937
By accessing this website and submitting a funeral cover application with TFI Brokers, you agree to be bound by these Terms and Conditions and our Privacy Policy. If you do not agree to any part of these terms, please do not proceed with your application.
Applicants must be South African residents aged 18 or older. Cover is available for main members, spouses, children, and extended family members as specified in the relevant plan. All applicants must provide accurate and complete information. Misrepresentation may result in policy cancellation or rejection of claims.
Accidental Death: Covered from the date of the first premium payment. There is no waiting period for accidental death.
Natural Causes Death: A 6-month waiting period applies from the policy start date. Claims for natural causes death that occur within the first 6 months of the policy will not be paid. The waiting period resets if a policy lapses due to non-payment and is subsequently reinstated.
Cover amounts are R10,000, R15,000, R20,000, and R30,000. Monthly premiums depend on the plan type, cover amount, and the age of the main member. Premiums are detailed on our Plans page and will be confirmed in your policy documents. TFI Brokers reserves the right to adjust premiums with 30 days' written notice.
Monthly premiums are due on the date specified in your policy. The following payment methods are accepted: Debit Order (automatic monthly debit from your bank account), EasyPay (payment at participating retail outlets), and Recurring EFT (electronic funds transfer from your banking app). If a premium is not received within 30 days of the due date, your policy may be suspended. If premiums remain unpaid for 60 days, your policy may be cancelled.
Family plans cover the main member, their spouse or life partner, and up to 6 children under the age of 21. Children who are registered full-time students may be covered until age 25. The age of the main member at time of application determines the applicable premium rate.
Extended family plans cover the main member, spouse, children (as above), and additional extended family members as follows: M+5 (up to 5 extended members), M+7 (up to 7 extended members), M+9 (up to 9 extended members). A maximum of 4 extended members aged 65–84 are permitted per plan. Extended members may include parents, parents-in-law, siblings, and other family members.
Cover does not apply to claims arising from:
To submit a claim, contact TFI Brokers immediately at 068 624 4237 or sales@tfibrokers.co.za with your policy number and the details of the claim. You will be required to provide: a certified copy of the death certificate, a certified copy of the deceased's ID document, a certified copy of the claimant's ID document, and the original policy document or policy number. Claims will be assessed by the underwriter in accordance with the policy terms. TFI Brokers will assist you throughout the claims process.
You must nominate a beneficiary at time of application. The beneficiary is the person who will receive the funeral benefit payout. You may update your beneficiary at any time by contacting TFI Brokers in writing. Changes take effect from the date received and confirmed.
You may cancel your policy at any time by giving written notice to TFI Brokers. Cancellation becomes effective from the date notice is received. No refunds are provided for premiums already paid. TFI Brokers may cancel your policy for non-payment of premiums, material misrepresentation, or fraudulent activity.
You may request changes to your cover amount, beneficiary, or plan type at any time. Changes become effective from the next billing cycle unless otherwise agreed. Premium adjustments will apply if cover amounts or plan types are changed.
TFI Brokers respects your privacy and complies with the Protection of Personal Information Act (POPIA). Personal information collected during the application process is used solely for policy administration, claims processing, and regulatory compliance. We do not sell or share your personal information with third parties for marketing purposes without your consent.
TFI Brokers complies with FICA. We apply Know Your Customer (KYC) and anti-money laundering (AML) procedures. You may be required to provide identity verification documents before your policy is issued or a claim is paid.
TFI Brokers is committed to the six TCF outcomes. We ensure that financial products and services meet your needs, that you receive clear and honest communication, and that claims are handled fairly and efficiently.
If you have a complaint about our products or service, contact us at sales@tfibrokers.co.za or 068 624 4237. If your complaint is not resolved to your satisfaction, you may escalate it to the FSCA (www.fsca.co.za) or the Ombudsman for Long-term Insurance.
These Terms and Conditions are governed by the laws of the Republic of South Africa. Any disputes shall be subject to the jurisdiction of the South African courts.
TFI Brokers reserves the right to amend these Terms and Conditions at any time. Changes will be communicated to policyholders with 30 days' notice. Continued use of the policy after the notice period constitutes acceptance of the amended terms.
Phone: 068 624 4237
Email: sales@tfibrokers.co.za
Company: Trinity Financial Services Group (PTY) Ltd · Reg. 2022/738850/07 · FSP No. 52937
TFI Brokers Reg.: 2023/584386/07
By submitting an application through this website, you confirm that you have read and understood these Terms and Conditions, and that all information provided in your application is true and correct. TFI Brokers is a juristic representative of Scarlet Capital (FSP49450) and House of Administration (FSP50841). Funeral cover is underwritten by Old Mutual and Rand Mutual Assurance.