Ubuntu Family,
Cover 10 In 1 Special.

Ubuntu Family Cover is a comprehensive 10-in-1 protection solution designed to support and protect families through life’s most challenging moments and everyday needs. Grounded in the spirit of Ubuntu, “I am because we are”, this solution goes beyond traditional funeral cover to provide holistic, meaningful protection for the entire family. From emergencies to everyday support, Ubuntu Family Cover is built to stand with members when it matters most

Learn More & Get a Quote Now Explore Our Services

10+ YearsIn South African financial services

6 SectorsUnions, stokvels, churches, parlours & more

NationwidePartnerships with funeral service providers

Cover built around the groups that carry their communities.

Over a decade of experienceFinancial services delivery across South Africa since 2013.
Licensed underwriting partnersEvery plan placed with a licensed long-term insurer.
Customer-centric administrationClaims, collections and member records managed end to end.
Strategic partnershipsLong-term relationships with funeral service providers nationwide.

Built for the groups that carry their communities

Sedibogolo is a well-established short-term insurance company that has assisted the underwriting of voluntary group funeral plans for trade unions, associations, stokvels, traditional burial societies, churches and funeral parlours. Our goal is to offer clients affordable, comprehensive and competitively priced products, tailor made to suit your burial needs.

Our vision is to build long-term relationships across South Africa with funeral service providers, empowering our clients through strategic partnerships. We ensure the effective running of customer-centric administration, and we also offer administration, underwriting and payment solutions.

Sedibogolo team meeting with group scheme representatives in a corporate boardroom — Working alongside group leaders and funeral service providers to structure cover that fits each scheme.

Three service offerings

Everything a group scheme needs to place, run and pay for funeral cover — handled by one partner.

Underwriting

We structure and place voluntary group funeral plans with licensed long-term insurers, assessing risk, setting terms and confirming eligibility for every member on the scheme.

Risk assessment & scheme placement

Funeral Cover

Affordable, comprehensive cover for the main member and their family, with clear premiums, cover amounts, waiting periods and exclusions explained up front.

Tailor made to your burial needs

Payment Solutions

Reliable premium collection and payout administration, with deduction dates, member records and claims processing managed accurately from first premium to final settlement.

Collections, records & claims payouts

Six steps to funeral cover onboarding

A consistent, compliant process that protects the member, the scheme and the payout when it matters most.

Confirm identity and eligibility

Verify the client's South African ID, age (usually 18–64) and residence status to confirm eligibility to purchase funeral cover.

Why it matters This step is the foundation of compliance — accurately capturing the identity and age of the main member and insured individuals directly affects whether the policy is valid and whether future claims can be paid out smoothly.

Collect insured individuals and beneficiaries

Record the ID numbers or dates of birth, relationship and nominated beneficiary details of all family members to be covered.

Why it matters Completing this in one go reduces later changes and disputes, and ensures the insured scope and beneficiary instructions are unambiguous — facilitating quick claims by family members.

Conduct a needs analysis

Understand the client's budget, existing cover and funeral expectations, and clearly explain the premium, cover amount, waiting period and exclusions.

Why it matters This satisfies the regulatory requirement to understand the client's needs. Only by helping the client understand the waiting period and exclusions can disputes arising from a misunderstanding of the policy be avoided.

Confirm underwriting entity and intermediary

Inform the client of the actual underwriting insurer and verify the FSP number of the selling intermediary.

Why it matters Funeral policies must be underwritten by a licensed long-term insurer. Consumers have the right to know who is bearing the risk — otherwise they may have purchased an unprotected "policy".

Complete application and payment authorization

Enter the client's payment information, confirm the first premium deduction date, and have the client confirm the application content.

Why it matters This is the final checkpoint for converting intent into a contract. Payment information errors or unclear deduction dates are common causes of policy lapse or a failed first deduction.

Deliver policy documents and confirm receipt

Send the policy summary or policy document to the client and confirm they have received and understood the key terms.

Why it matters Delivering written documents and confirming receipt is a compliance requirement of the FAIS General Code of Conduct, and gives the client a written basis for future claims or complaints.

Dignity in life, certainty in farewell. Every member deserves cover their family can rely on. Sedibogolo — protecting South African families since 2013

Who we serve

From stokvels and burial societies to churches, unions and funeral parlours — the groups that hold communities together.

Multigenerational African family smiling together, representing the members covered by group funeral plans — Families covered under a single group scheme

African church congregation gathered together, one of the groups Sedibogolo underwrites funeral plans for — Churches and congregations

South African community members standing together, representing stokvels and burial societies — Stokvels and traditional burial societies

Professional African funeral service provider representative in formal attire — Funeral parlours and service providers

Dignified portrait of African elders, the members group funeral cover is designed to protect — Elders and extended family members

African financial advisor consulting with a group scheme member about funeral cover — Unions, associations and their members

Talk to Sedibogolo

Whether you represent a union, stokvel, church or funeral parlour, our team will structure a group funeral plan around your members.

Phone+27 12 884 0279
Emailsales@sedibogolo.co.za
OfficeSecond Floor, Building 2, Walker Creek, Office Co, 90 Florence Rebeiro Avenue, Muckleneuck, Pretoria, South Africa
Office hoursMonday to Friday, 08:00 – 16:30

Request a Group Quote Call Us

Send us an enquiry

Tell us about your group and the cover you need. We'll come back to you with a tailored proposal.

Our services

Sedibogolo Financial Services is a trusted leader in funeral administration, underwriting and payment solutions in South Africa.

Funeral administrationMember records, collections and claims handled end to end.
UnderwritingGroup funeral plans placed with licensed long-term insurers.
Payment solutionsAccurate premium collection and payout administration.
Technology drivenReal-time monitoring through our TPM and Aberra platforms.

What we are offering

Sedibogolo Financial Services is a trusted leader in funeral administration, underwriting, and payment solutions in South Africa. Since our inception, we have remained committed to delivering tailored, reliable, and technology driven services to Trade Unions, Associations, Stokvels, Traditional Burial Societies, Churches, Funeral Parlours, and community organisations.

We strive to be the leader in offering world class funeral services business administration and underwriting. We have the best systems to assist our clients in improving their service offering. We combine innovation, experience, and strategy to deliver affordable, comprehensive and competitively priced products, best suited for our customers' needs.

With over a decade of experience, Sedibogolo continues to evolve, introducing innovative systems, streamlined processes, and a client first approach that sets us apart as one of the most efficient administrators in the country. Sedibogolo was founded with the vision of improving how funeral policies and group benefits are administered in South Africa. We recognised gaps in service delivery, turnaround times, and administrative accuracy within the funeral insurance industry. This drove us to create a company rooted in professionalism, reliability, and innovation.

Over the years, we have built strong strategic partnerships with funeral parlours, underwriters, financial institutions, and community based organisations. Through these relationships, we continue to expand our national footprint and increase our capacity to serve thousands of South African families.

Our cutting edge technology

Technology and operational excellence — built into every scheme we administer.

Technology & operational excellence

Sedibogolo is proud to be one of the few funeral administration companies that fully integrates modern technology into daily operations. Our digital platforms, TPM and Aberra, allow for quick access to information, real-time monitoring, automated claims processing, and efficient reporting for every scheme we manage.

These systems give our clients visibility of their members, their premiums and their claims at any time, and they shorten the time between a claim being lodged and a family receiving their payout. Combined with our experienced administration team, they are what allow us to run group funeral schemes accurately at national scale.

Digital dashboard showing real-time claims and member data on a screen in the Sedibogolo office — TPM and Aberra give schemes real-time visibility of members, premiums and claims.