Dignified Farewells with Compassion

By becoming a member of M&S Funeral Caregivers, you acknowledge and agree to the following:

• I hereby confirm that the agent has provided me with satisfactory details of his relevant experience and assisted me in completing the application form and in understanding all the terms and conditions as stipulated in this document..
• The benefits of this membership have been explained to me in detail and I understand and desire such benefits.
• The monthly contribution as indicated is affordable within my current monthly budget.
• Full membership underwriting details and terms and conditions as well as complete commission and admin fee breakdown available on membership certificate/membership acceptance letter.
• Membership certificate/membership acceptance letter available on www.pioneerfuneral.co.za/admin
• I accept and understand the contents of this declaration.

To ensure efficient processing of claims, please follow these guidelines:

• Claims must be lodged within three (3) months of date of death. Failure to submit the claim within this time, may render the claim null and void.
• Pioneer Funeral Administrators reserves the right to request a BI – 1663 or a medical certificate.
• No claims will be allowed for Invalid ID numbers.

The following documents are required to process a claim:

• Deceased’s certified copy of death certificate.
• Deceased’s certified copy of ID
• BI – 1663
• Policy Holder’s certified copy of ID
• Beneficiary’s certified copy of ID
• Proof of Premium payments
• Proof of Police report if is accidental death
• Bank statement of claimant if claim is cash

Incomplete claims will not be processed until all required documents are submitted. Digital copies are acceptable for initial submission, but originals may be requested for verification.

The following waiting periods apply to all memberships:

• A six (6) month waiting period will apply for members up to the age of 64. After the receipt of the seventh (7th) contribution, in the seventh (7th) month, the full benefit will apply.(Single and Family plan)
• A six (6) month waiting period will apply for members of all our 1+ Plans under R10 000 pay-out, After the receipt of the seventh (7th) contribution, in the seventh (7th) month, the full benefit will apply.
• A nine (9) month waiting period will apply for over R10 000 1+ plan. After the receipt of the tenth (10th) month, the full benefit will apply.
• A nine (9) month waiting period will apply for members between the ages of 65 - 74. After the receipt of the tenth (10th) contribution, in the tenth (10th) month, the full benefit will apply.(Single and Family plan).
• In the event of suicide a twenty-four (24) months waiting period will apply.
• The dependent’s membership will cease upon the death of the Principle member.
• A one (1) month waiting period will apply if a member dies within the standard waiting period because of an accident.
• If a payment is outstanding, the membership will lapse and the applicable waiting period will start from the date that the payments resumed.(under trial)

Age restrictions apply to certain plans as follows:

• Maximum age at entry for Extended Family is 85 years.
• Contributions are payable monthly in advance in full, to ensure membership for the month. Cover is afforded on a month to month basis.
• This cover is provided to all members recorded on the monthly schedule.
• No reserves are build up on these plans, therefore contributions are payable lifelong.
• Cover will cease automatically upon the non-payment of contribution and the membership will lapse.
• There are no surrender values when cover ceases.
• Mentally impaired as well as permanently and totally physically disabled children are covered until their death or as long as the Principle member participates in this plan.
• Common law as well as civil marriages is recognized by the Plan.
• Membership application forms must be fully and accurately completed.
• Should it come to the attention of Pioneer Funeral Administrators that any of the information provided in this document is not accurate, membership under this application may be cancelled and no claims under this plan will be considered for payment.
• No Duplicate accepted
• ⦁No Payment = No Cover and a waiting period of 3 month will apply if you skip a payment.
• Your premium payment must be paid before the 7th of a new month if you did not pay in a normal month
• Your policy will LAPSE after skipping 3 consecutive payments.
• Our grocery is valued up to R7500. NB: Should the grocery value amount exceed, client will be given the opportunity to select the necessity to stick to the value amount not more. Reasons for this is because the prices of goods depreciate from time to time.

We reserve the right to request additional medical information for applicants over 65 years to determine appropriate coverage and premiums.