Age Requirements

• Minimum Entry Age for Principal Members: 18 years
• Maximum Entry Age for Principal Members: 84 years
• No cessation age - Principal Members are covered until death
• Extended Family (Parents/Grandparents): Must be younger than 84 years at policy start
• Extended Family (Others): Must be younger than 64 years at policy start

Coverage Options

• Member Only Plans: Individual coverage
• Family Plans: Main member, spouse, and children
• Member Plus Plans: Extended family coverage (5, 7, or 9 members)
• Coverage amounts: R10,000, R15,000, R20,000, or R30,000

Children's Benefits

Benefits vary by age group:

• Stillbirth to 11 months: R1,250 - R3,750
• 1 to 5 years: R2,500 - R7,500
• 6 to 13 years: R5,000 - R15,000
• 14 to 21 years: R10,000 - R30,000

*2 stillbirths are covered for the duration of the policy

Payment Methods

Funeral cover rates include the following payment facilities:

• Debit Order
• EasyPay outlets
• Subscription Collection

Grace Period

• After the first premium is paid, a grace period of 1 month is allowed for future premiums
• The plan remains in force during the grace period
• If arrear premium and the next month's premium are not paid by the end of the second month, the plan will lapse

Lapse and Reinstatement

• Plan lapses if two consecutive premiums are missed (including grace period)
• Plan can only be reinstated two months after lapse
• Unexpired waiting periods will apply to Extended Members upon reinstatement

Cooling-off Period

• 31-day cooling-off period from when RMA receives the completed application
• Policy can be cancelled with full refund (less risk cover or administration costs)
• Written notification required to RMA
• No death or claim must have occurred during this period

Cancellation

• After the cooling-off period, both policyholder and RMA can cancel
• 1 month's written notice required
• No refund of premiums after cooling-off period

Plan Review

• Rates are not guaranteed for any term
• RMA reserves the right to review plans annually or when claims ratios deteriorate
• 3 months' notice given for premium changes
• Options: Accept new rates, request benefit reduction, or cancel policy

Continuation Option

If a Principal Member ceases to be a member of an existing fund, they have 30 days to apply for a similar individual funeral policy. Unexpired waiting periods for natural death will apply.

Surrender Values

There are no surrender values under this plan. Benefits may not be ceded or pledged, and no loans are available.

Fraudulent Claims

If any fraudulent claim is made, RMA will not be obligated to pay the claim and may cancel the policy with immediate effect.

Dissolution

Upon plan dissolution, all RMA liabilities cease from the day of the last premium received or dissolution date, whichever is later.