Plans & products
Six plans, one claims desk
Every plan below is administered on the same rails — the same claims process, the same parlour network, the same benefit-delivery safeguards. What changes is who's covered, what services are included, and how it's priced.
At a glance
Compare all six plans
Indicative rates, so you can see the shape of the range before an agent prices your household exactly.
| Plan | Who's covered | Contribution | Benefits | Waiting period |
|---|---|---|---|---|
| Individual Plan | One person | From US$4 / month | Core funeral service package | 3 months (waived for accidental death) |
| Family PlanMost registered | Principal member + spouse + children | From US$9 / month | Family funeral service package | 3 months (waived for accidental death) |
| Group Plan | Workplaces, churches, associations | From US$3.50 / member / month (volume-tiered) | Group funeral service package | Waived for groups of 20+ joining together |
| Senior Citizen Plan | Members joining at 65+ | From US$7 / month | Senior funeral service package | 6 months (natural causes), waived for accidental death |
| Child Dependant Plan | Extended and fostered children | From US$1.50 / child / month | Child funeral service package | 3 months |
| Custom Community Plan | Villages, wards, informal savings groups | Negotiated with the community | Negotiated funeral service package | Set at design stage |
Contributions shown are indicative starting rates. Your registered agent confirms the exact rate for your household's ages and chosen service package before you sign up, and rates are reviewed periodically by National Admin.
Common to every plan
Four things that don't change, whichever plan you hold
Price and included services differ. The machinery behind them does not.
The same claims desk
Every plan is verified at district and provincial level before a claims officer confirms the included service benefits. No plan gets a shorter or longer route.
The same parlour network
Any plan can use an approved parlour at pre-agreed pricing, settled directly by the scheme rather than by the family.
The same grace rules
A missed contribution moves any policy into grace rather than cancelling it, and every payment generates a sequential receipt.
The same local agent
Whichever plan you hold, the person who registered you is the person who collects, updates records and opens a claim.
The plan is explained before any money changes hands
A household can compare included services, dependants, contribution level and waiting period in one conversation with the agent. The same local record then follows that household through contributions, updates and any future claim.
One record, one claims route
The plan changes the price and service package. It does not change who supports the member locally or the verification route a claim must pass through.
Individual Plan
Standalone funeral service benefits for a single principal member — the entry point most agents start a household with before adding dependants.
- Contribution
- From US$4 / month
- Benefits
- Core funeral service package
- Waiting period
- 3 months (waived for accidental death)
- Age limits
- 18 – 65 at joining
- Benefits stay active for life once active, provided contributions stay paid up
- Upgradeable to a Family Plan at any time without re-serving the waiting period on benefits already active
- Same claims desk, parlour network, and benefit delivery route as every other plan
FSP4ED
Membership plan
Individual Plan
Member no.
FSP-01A2-318
Monthly premium
US$4 / month
Service benefits
Core funeral service package
FSP4ED
Membership plan
Family Plan
Member no.
FSP-02A2-325
Monthly premium
US$9 / month
Service benefits
Family funeral service package
Family Plan
The scheme's most-registered plan. One monthly premium covers the principal member, one spouse, and dependant children under a single policy number.
- Contribution
- From US$9 / month
- Benefits
- Family funeral service package
- Waiting period
- 3 months (waived for accidental death)
- Age limits
- Children covered from 14 days old to 21 (26 if still in full-time education)
- Add or remove a dependant any time — premium adjusts from the next billing cycle
- Children born after activation are added free of a fresh waiting period
- One next-of-kin and beneficiary record covers the whole household
Group Plan
A single master policy for a registered group — an employer, church, cooperative, or savings club — with individual service certificates issued to each member.
- Contribution
- From US$3.50 / member / month (volume-tiered)
- Benefits
- Group funeral service package
- Waiting period
- Waived for groups of 20+ joining together
- Age limits
- 18 – 70 at joining, group-negotiable
- One consolidated invoice and one payroll or treasurer deduction, however many members are enrolled
- A named group administrator can add joiners and flag leavers without going through an agent each time
- Preferred pricing scales with group size and payment consistency
FSP4ED
Membership plan
Group Plan
Member no.
FSP-03A2-332
Monthly premium
US$3.50 / member / month (volume-tiered)
Service benefits
Group funeral service package
FSP4ED
Membership plan
Senior Citizen Plan
Member no.
FSP-04A2-339
Monthly premium
US$7 / month
Service benefits
Senior funeral service package
Senior Citizen Plan
Purpose-built for members who join later in life, when standard age limits would otherwise exclude them — priced and underwritten for that risk instead of refusing it.
- Contribution
- From US$7 / month
- Benefits
- Senior funeral service package
- Waiting period
- 6 months (natural causes), waived for accidental death
- Age limits
- 65 – 80 at joining
- No medical examination required to join, only a health declaration
- Service tier is capped lower to keep premiums affordable at this entry age
- Same funeral-parlour service standard as every other plan — no reduced service tier
Child Dependant Plan
For children outside the immediate family unit — grandchildren, wards, and fostered or orphaned children a member is responsible for — who fall outside the standard Family Plan definition.
- Contribution
- From US$1.50 / child / month
- Benefits
- Child funeral service package
- Waiting period
- 3 months
- Age limits
- 14 days – 21 years
- Proof of guardianship or care (affidavit, court order, or school record) is required at registration
- Runs alongside an existing Individual, Family, or Group policy rather than standing alone
- Same beneficiary and claims process as any other dependant
FSP4ED
Membership plan
Child Dependant Plan
Member no.
FSP-05A2-346
Monthly premium
US$1.50 / child / month
Service benefits
Child funeral service package
FSP4ED
Membership plan
Custom Community Plan
Member no.
FSP-06A2-353
Monthly premium
Negotiated with the community
Service benefits
Negotiated funeral service package
Custom Community Plan
A configurable plan National Admin builds together with a community leadership structure — a chief's ward, a burial society, a market vendors' association — matching contribution rhythm and service package to what the group can sustain.
- Contribution
- Negotiated with the community
- Benefits
- Negotiated funeral service package
- Waiting period
- Set at design stage
- Age limits
- Set at design stage
- Contribution collection can follow a harvest season or market cycle instead of a strict calendar month
- A community-elected liaison sits alongside the assigned district agent
- Built from the same policy engine as every other plan, so claims and benefit delivery follow identical safeguards
A note on the figures above
Contributions and service package summaries on this page are indicative. The binding terms for your household are the ones your agent confirms at registration and prints on your receipt — if the two ever differ, the receipt governs.
Still deciding
Not sure which plan fits your household?
An agent can walk through your household, ages, dependants and budget, then recommend a plan on the spot.