How it works
Registration, contributions, and claims — the whole process, end to end
This is the same process for every plan and every province: an agent registers you, your contributions keep your benefits active, and a claim moves through verification at district and provincial level before service benefits are authorized.
The full timeline
Six stages, from your first conversation to delivered benefits
The first three happen once, when you join. The last three only happen when a claim is filed — and can happen years, or decades, later.
- 01
Register with a local agent
A registered agent in your ward captures your details, your next of kin, and your beneficiaries on the spot — national ID and phone number are all that's needed to start.
- 02
Choose a plan and make your first payment
Pick the plan that matches your household — Individual, Family, Group, Senior Citizen, Child Dependant, or a Custom Community plan — and pay your first contribution. Your policy activates immediately and a receipt is issued.
- 03
Keep contributions paid up
Pay monthly through your agent, a group treasurer, or a payroll deduction. Your funeral service benefits stay active as long as contributions are current, with a grace period if a payment is missed.
- 04
Your family reports a death
When the worst happens, your next of kin or agent reports the death and the claim is opened immediately — no waiting for office hours to begin the process.
- 05
Verification moves through district and province
The claim is checked against your paid-up status, documents, and the circumstances of the death, first at district level and then at provincial level, so benefit delivery is not delayed by paperwork sitting on one desk.
- 06
Benefits are assessed, approved, and delivered
A claims officer confirms the service benefits against your plan, National Admin approves the claim, and Finance settles approved parlour invoices or coordinates service benefit delivery.
Registering is a conversation, not a form
Your agent sits with you and captures the whole household record in one visit. Getting the dependants and next of kin right at this stage is what makes a claim quick later — most delays come from records that were never completed.
- National ID and personal details
- The plan that fits your household
- Named dependants and beneficiaries
- Next of kin and their contact details
You choose the plan before you commit
An agent explains what each plan includes and what it costs before any contribution is made. Nothing is activated until you have chosen and made a first contribution.
Staying covered
How your contributions keep your benefits active
The rules below are deliberately forgiving — a missed month is a grace period, not a cancelled policy.
Paid-up-to date, not a fixed due date
Each payment advances your benefits by whole premium periods from where your last payment left off, so an early or late payment never confuses what you owe.
A grace period, not an instant lapse
Missing a month moves your policy into grace rather than cancelling it outright. Settle the missed amount within the grace window and benefits continue without a break.
A receipt for every payment
Every contribution — whatever the amount — generates a sequential receipt, so you always have a record independent of your agent's own notes.
Commission is automatic
The moment your payment is recorded, your agent's commission and their coordinators' share is accrued — you don't need to do anything for your agent to be paid for serving you.
Get started
Find the agent nearest to you
The national office can tell you who covers your ward, and which plan suits the household you're registering.