Insure My Shining Life
Insure My Shining Life

At Shining Life, we understand the importance of honouring life's journeys with dignity and grace. That's why we offer a unique monthly insurance policy, specifically designed to secure the costs associated with the celebration of life and memorialisation for you and your loved ones. With our comprehensive plan, you can ensure that up to 10 family members are covered, providing peace of mind for everyone involved.


A Shining Life policy is more than just an insurance plan; it's a commitment to ensuring that your legacy and those of your loved ones are honored appropriately when the time comes. By choosing Shining Life, you're choosing to rest easy, knowing that the financial aspects of life's final celebrations are taken care of with respect and dignity.


Our policy is underwritten by Guardrisk Life Limited, a reputable and authorized financial services provider (FSP No 76), and a licensed life insurer. This partnership guarantees the highest standards of reliability and trustworthiness in securing your memorial needs.

PLANS

Standard Plan Summary

This lifelong funeral cover remains active with ongoing premium payments, with no termination age limit. It's available until age 85, offering personalized services and rapid claim processing. It requires no medical exams, with rates based on the principal member's age. Coverage includes a 6-month wait for natural deaths, no wait for accidents, and excludes suicide in the first year. Up to four extra family members can join, and it covers SADC citizens in South Africa.

  • Lifelong policy, active with premium payments
  • Enrollment open until age 85
  • Personalized services, rapid claims processing
  • No medical exams; rates based on principal member's age
  • 6-month wait for natural deaths, none for accidents
  • Suicide excluded in the first year
  • Up to 4 extra family members, age-based rates
  • Covers SADC citizens in South Africa with valid documents

Traditional Family Society 1+5/9 Cover Summary

This cover includes a main member and up to 9 family members, focusing on the age of the oldest member. It offers equal coverage for all, with a special cap for young children. The plan features a 6-month wait for natural deaths and immediate cover for accidental deaths, provided the first premium is paid. It extends coverage to SADC citizens legally in South Africa and excludes suicide in the first year. The maximum entry age is 85, with waiting period waivers available under certain conditions.

  • Covers main member and up to 9 family members
  • Age of the oldest member determines rate
  • Equal coverage for all; special cap for children under 6
  • 6-month wait for natural deaths, immediate for accidents
  • Covers SADC citizens in South Africa with valid documents
  • Suicide excluded in the first year
  • Maximum entry age 85
  • Waiting period waivers with proof of previous coverage

Our Bundles

Shining Life's Celebration of Life Bundles offer a unique and heartfelt way to commemorate your loved ones. Our innovative self-service technology empowers you to personalise our bundled packages according to your preferences, ensuring that every aspect of the celebration truly reflects the personality and life of the departed. 


With an extensive selection of themes to choose from, our service allows you to create a tribute that is both meaningful and memorable. Whether you prefer a classic, elegant style or something more modern and expressive, our customisable options cater to every taste.


Experience the simplicity and beauty of personalisation with Shining Life's Celebration of Life Bundles 

Try this service here!

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