Terms & Conditions


General terms and conditions: Single Cover Funeral Plan
The maximum entry age for an Insured and /or nominated family dependants is under 65 / 75 years (depending on the selected option).
The underwriter reserves the right to cancel the underwriting with 31 days’ notice for whatsoever reason after the guarantee period of 12 months.
Repatriation of mortal remains benefit: This is a Value Added Service Non-Underwritten Benefit, although included in product rates it is a stand alone benefit and can only be provided by a registered and approved service provider.
Repatriation of Mortal remains within South Africa and neighbouring countries to a maximum of R10 000 per event. This includes embalming and advice on how to apply for the death certificate and border crossing documentation.
When a member’s death occurs more than 100km from their normal place of residence / place of burial, the deceased will be transported to the place of burial irrespective of where the death occurred, or where the burial will take place, provided that the repatriation is within the defined territory. Allowance for one family member to travel with the deceased free of charge
Funeral assistance service, all documentation, Referral to a pathologist if an autopsy is required and referral to a reputable undertaker
Removal from place of death (anywhere in RSA) Minimum of 20km to a maximum of R900 per claim. Storage to a maximum amount of R1000 / 7 days.
Standard waiting period as per product waiting period apply to new and existing policies
24 hours client and claims assistance service.
Exodec Assist Repatriation call centre no: 0861 55 5515 Quote following: 40410 Insure Funeral Plan, Scheme Name, Policy reference number

Exclusions
The Insurer will not pay any Funeral Benefit if death was directly or indirectly caused, resulting from or in connection with any of the following: a. active participation in war, invasion, acts of foreign enemies, hostilities, warlike operations (whether war be declared or not), civil war, rebellion, revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power; b. the deceased’s deliberate exposure to exceptional danger, except in an attempt by the deceased to save a human life.
Suicide will be excluded for the first 12 months from the Commencement Date.
A 6 months Waiting Period for Natural Death for all insured lives from the Commencement Date. The Insurer will have no liability for a Claim Event if Death for any Insured is directly or indirectly caused by or attributable to natural causes during this period, unless proof is supplied to the Insurer of previous cover for such Insured in the 31 (thirty-one) Day period prior to the Commencement Date of this Policy, and where such similar cover with the alternate insurer was replaced with this Policy and where the waiting period on such prior policy had already expired.
Claims due to Accidental Death will not be subjected to a Waiting Period, on condition that the first premium is paid.
When taking up a higher benefit a 6 months Waiting Period will apply to the increased amount not the current benefit cover enjoyed.
When taking over existing affiliation schemes African Rainbow Life Limited will require proof of membership for the Waiting Period to be waived, if not available the full Waiting Period will apply.

Premiums
Premiums must be paid for the month of cover and the 12 months premium payment history must show that all payments were made monthly.
Premiums for the basic benefit are quoted as a fixed Rand amount per month. Premium rates are guaranteed for 12 months at a time.
All Risk Premiums are payable monthly to the Insurer in the month in which the premium is received and for which it is due.
Should Insurance in respect of a Principal Member cease due to the non-payment of premiums, membership may be reinstated. If reinstatement occurs within 2 (two) months from the date of cessation of cover, no Waiting Period will be imposed on any Insured life. If reinstatement occurs after 2 (two) months from the date of cessation of cover, the full Waiting Period will restart from zero. No Insurance cover will be provided during the period between cessation of cover and the date of reinstatement. Upon reinstatement of the Policy, the grace period for the payment of the outstanding premiums shall reduce to 15 days.

Claim Requirements
40410 Insure/Exodec/African Rainbow Life Ltd must be notified of Funeral Claims within 6 months of an Insured’s death. Even if all the required information is not yet available, it must still be notified of the potential Claim. The following information is required to process a Claim (standard claims package):

Principal member
Fully completed, signed and stamped claim form Certified Copy of the deceased’s identity document
Certified Copy of the death certificate A copy of the DHA1663 Registration of Death Form
Certified Copy of the beneficiary identity document Beneficiaries banking details
Proof of address of beneficiary (not older than 3 months)
If the cause of death is unnatural – a completed police report is required
Proof of claim payment received by beneficiary – if claim paid out prior to submission of this documentation
Proof of address of beneficiary (not older than 3 months)
Unclaimed Benefits - means a benefit in terms of an approved Claim where the benefit can’t be paid to the Principal Insured/Nominated Beneficiary within 3 (three) months of the Claim having been approved because the Principal Insured/Nominated Beneficiary is not contactable. In other words, the Principal Insured/Nominated Beneficiary cannot be located, his/her emails are undelivered, his/her post is returned to Exodec and/or his/her contact number is no longer in use..
Protection of Personal Information in Terms of the Protection of Personal Information Act 4 of 2013
Your privacy is of utmost importance to Us. We will take the necessary measures to ensure that any and all information, including Personal Information (as defined in the Protection of Personal Information Act 4 of 2013) provided by You or which is collected from You is processed in accordance with the provisions of the Protection of Personal Information Act 4 of 2013 and further, is stored in a safe and secure manner.
You hereby agree to give honest, accurate and up-to-date Personal Information and to maintain and update such information when necessary. You accept that your Personal

Information collected by Us may be used for the following reasons:
1. to establish and verify Your identity in terms of the Applicable Laws;
2. to enable Us to fulfil Our obligations in terms of this Policy;
3. to enable Us to take the necessary measures to prevent any suspicious or fraudulent activity in terms of the Applicable Laws; and 
4. reporting to the relevant Regulatory Authority/Body, in terms of the Applicable Laws.


We may share Your information for further processing with the following third parties, which third parties have an obligation to keep Your Personal Information secure and confidential:
1. Payment processing service providers, merchants, banks and other persons that assist with the processing of Your payment instructions;
2. Law enforcement and fraud prevention agencies and other persons tasked with the prevention and prosecution of crime;
3. Regulatory authorities, industry ombudsmen, governmental departments, local and international tax authorities, and other persons that We, in accordance with the Applicable Laws, are required to share Your Personal Information with;
4. Credit Bureau’s;
5. Our service providers, agents and sub-contractors that We have contracted with to offer and provide products and services to any Policyholder in respect of this Policy; and
6. Persons to whom We cede Our rights or delegate Our authority to in terms of this Policy.

You acknowledge that any Personal Information supplied to Us in terms of this Policy is provided according to the Applicable Laws. Unless consented to by Yourself, We will not sell, exchange, transfer, rent or otherwise make available Your Personal Information (such as name, address, email address, telephone or fax number) to any other parties and You indemnify Us from any claims resulting from disclosures made with Your consent.
You understand that if We have utilised your Personal Information contrary to the Applicable Laws, You have the right to lodge a complaint with African Rainbow Life within 10 (ten) days. Should African Rainbow Life not resolve the complaint to Your satisfaction, You have the right to escalate the complaint to the Information Regulator.

On signing this document Exodec Funeral Administration Solutions confirm the offer of Insurance has been accepted on behalf of African Rainbow Life on condition that the first premium is paid.

The Intermediary
Business Name: Exodec 229 (Pty) Ltd
Registration number: 2016/486897/07
Physical address: 1st Flr Royal Palms Building, cnr Loch Street
& Pierneef Blvd, Meyerton, 1961
Postal address: PO Box 934, Meyerton, 1960
Telephone: 016 362 0334
Website: www.exodecgroup.co.za
FAIS registration: FSP43212

In terms of the FSP license, Exodec 229 (Pty) Ltd, is authorised to give Intermediary Services and Advice for products under:
CATEGORY I, II, IV,:
Long-term Insurance : Category A Friendly Society Benefits
Long-term Insurance : Category B1
Long-term Insurance : Category B1-A
Long-term Insurance : Category B2
Long-term Insurance : Category B2-A
Long-term Insurance : Category IV

Without in any way limiting and subject to the other provisions of the Services Agreement/Mandate, Exodec 229 (Pty) Ltd accepts responsibility for the lawful actions of their representatives (as defined in the Financial Advisory and Intermediary Service Act) in rendering financial services within the course and scope of their employment.
 Some representatives may be rendering services under supervision and will inform you accordingly
Legal and contractual relationship with the Insurer: Contract in Place
Professional Indemnity and/or Fidelity Cover: Exodec 229 (Pty) Ltd has a Professional Indemnity Cover and a Fidelity Guarantee Cover in place.
Claims Procedure incl. prescription period: Contact Person: Sanah Kwapeng Tel: 016 3620334 or Cell: 071 6001927 claims@exodecgroup.co.za
Complaints Procedures: Contact Person: Marieta Pretorius Tel: 016 362 0334 or Cell: 076 768 2691 or Email: info@exodecgroup.co.za
Compliance Officer: Leona Prinsloo Tel: 012 664 6257 Email: lprinsloo@mweb.co.za
Your Policy is underwritten by African Rainbow Life Limited.
Their contact details are as follows:
Physical Address: 1 Sturdee Avenue, Rosebank 2196
Tel: 087 822 1806
Particulars of Long-Term Insurance Ombud:
(For claims/service-related matters)
Postal address: Private Bag X45, Claremont, Cape Town, 7700
Telephone: +27-21- 657- 5000 / 0860 103 236
Fax number: +27-21- 674- 0951
Email: info@ombud.co.za

Particulars of the FAIS Ombudsman:
(For product/advice related matters)
Postal Address: PO Box 74571, Lynnwood Ridge, 0040
Telephone: +27- 12- 470- 9080
Fax number: +27- 12- 348- 3447
Email: info@faisombud.co.za

Particulars of the Financial Sector Conduct Authority:
Postal address: PO Box 35655, Menlo Park, 0102
Telephone: +27-12- 428-8000
Fax number: +27- 12- 347- 0221
Email: info@fsca.zo.za
Particulars of the Information Regulator:
(For data breach or matters relating to use of Personal Information)
Postal Address : PO Box 31533, Braamfontein, Johannesburg, 2017
Telephone: +27-010- 023-5200
Cell number: +27-082- 746 4173
Email: complaints.IR@justice.gov.za
The marketing and juristic representative is 40410 Insure (PTY) Ltd
Telephone: 010 040 2098
Fax: 086 500 2288
Email: info@40410Insure.com
Address: 43 Bradford Road, Bedfordview, Germiston, 2008
Postal Address: PO Box 591, Bruma, 2026

Without in any way limiting and subject to the other provisions of the Services Agreement/Mandate, Exodec 229 (Pty) Ltd accepts responsibility for the lawful actions of their representatives (as defined in the Financial Advisory and Intermediary Service Act) in rendering financial services within the course and scope of their employment. Some representatives may be rendering services under supervision and will inform you accordingly
Legal and contractual relationship with the Insurer: Contract in place
Exodec 229 (Pty) Ltd has a Professional Indemnity Cover and a Fidelity Guarantee Cover in place.
Exodec has a conflict of interest management policy in place and is available to clients on the website.
Policy Wording A copy of the policy wording can be obtained from Exodec 229 (Pty) Ltd
Consequence of non-payment: Cover will cease and no further benefits will be in force.
Details of any premium increases, including the frequency and basis thereof: Annually upon the Review Date.
The Intermediary Does not hold more than 10% of the relevant product supplier’s shares or has any equivalent substantial financial interest in the insurer. During the preceding 12 months period did not receive more than 30% of total remuneration, including commission, from the insurer.
Cooling Off Rights If any of the information reflected above and below was given to you orally, this disclosure notice serves to provide you with the information in writing.
 Should you not be satisfied with the policy, you are entitled to a period up to 31 days from date of receipt of the policy within which you may cancel your policy in writing at no cost. Cover will cease upon cancellation of the policy.
All premiums paid by the policyholder to the insurer within the cooling-off period, up to the date of receipt of the cancellation notice will be refunded to the policyholder provided no claim has been lodged or any benefit paid within this cooling-off period.
Other matters of importance You will be informed of any material changes to the information about the intermediary, insurer and or underwriter provided above. If we fail to resolve your complaint satisfactorily, you may submit your complaint to the Ombudsman of Long-Term Insurance You will always be given a reason for the repudiation of your claim. If the insurer wishes to cancel your policy, the insurer will give you 31 days written notice, to your last known address You will always be entitled to a copy of your policy at no extra charge.
Warning Do not sign any blank or partially completed application form. Complete all forms in ink. Keep notes of what is said to you and all documents handed to you. Where applicable, call recordings will be made available to you within 7(seven) days of request. Don’t be pressurised to buy the product. Failure to provide correct or full relevant information may influence an insurer on any claims arising from your contract of insurance.
Waiver of Rights No insurer and/or underwriting manager and/or intermediary may request or induce in any manner a client to waiver any right or benefit conferred on the client by/or in terms of any provisions of the said Code, or recognise, accept or act on any such waiver by a client. Any such waiver is null and void.


General terms and conditions: Nominated Family Benefit
• The maximum entry age for an Insured and /or nominated family dependants is under 65 / 75 years (depending on the selected option).
• Cover for all nominated family members is whole life. (Children and extended family members included).
• Unmarried mentally / physically disabled Children who are totally and completely dependent on the Principal Member will be covered as long as policy is in force.
• Cover will be provided for a maximum of 1 nominated family members. (e.g. Spouse, additional Spouses, Children, Dependent Children, Extended Family)
• Once the Principal Member’s cover ceases, the policy can be taken over by any nominated family member.
• For all cash premiums keep receipts as proof of payment. • The underwriter reserves the right to cancel the underwriting with 31 (thirty-one) Days’ notice at any stage after the  
  first 12 months guarantee period for whatsoever reason

Nominated Family Benefits.
• Brothers, sisters, parents and parents-in-law can be covered as part of the 1 nominated family members.
• Maximum entry age: under 65 / 75 years (depending on the selected option).
• Premiums for the basic benefit are quoted as a fixed Rand amount per month.
• Policy is a grouped policy and is annually renewable.

Exclusions
• The Insurer will not pay any Funeral Benefit or any if Death was directly or indirectly caused, resulting from or in connection with any of the following: a. active participation in  
  war, invasion, acts of foreign enemies, hostilities, warlike operations (whether war be declared or not), civil war, rebellion, revolution, insurrection, civil commotion assuming the
  proportions of or amounting to an uprising, military or usurped power; b. the deceased’s deliberate exposure to exceptional danger, except in an attempt by the deceased to save   
  a human life.
• Suicide will be excluded for the first 12 months from the Commencement Date.
• A 6 months Waiting Period for Natural Death from the commencement date of cover for Funeral. The Insurer will have no liability for a Claim Event if Death for any Insured is
  directly or indirectly caused by or attributable to natural causes during this period, unless proof is supplied to the Insurer of previous cover for such Insured in the 31 (thirty-one)
  Day period prior to the Commencement Date of this Policy, and where such similar cover with the alternate insurer was replaced with this Policy and where the waiting period on
  such prior policy had already expired.
• Claims due to Accidental Death will not be subjected to a Waiting Period, on condition that the first premium is paid.
• When taking up a higher benefit a 6 months Waiting Period for natural death will apply to the increased amount and not the current benefit cover enjoyed.
• When taking over existing affiliation schemes African Rainbow Life Limited will require proof of membership for the Waiting Period for natural death to be waived, if not available
  the full Waiting Period for natural death will apply.
• Children under 6 years will qualify for a maximum of R 20 000 cover.
• Premiums must be paid for the month and the 12 (twelve) months premium payment history must show that all payments were made monthly.
• Premiums for the basic benefit are quoted as a fixed Rand amount per month. Rates guaranteed for 12 months at a time.
• All risk premiums are payable monthly to the Insurer in the month in which the premium is received and for which it is due.
  Should Insurance in respect of a Principal Member, his Nominated family member cease due to the non-payment of premiums, membership may be reinstated. If reinstatement  
  occurs within 2 (two) months from the date of cessation of cover, no Waiting Period for natural death will be imposed on any Insured life. If reinstatement occurs after 2 (two) months
  from the date of cessation of cover, the full Waiting Period for natural death will restart from zero. No Insurance cover will be provided during the period between cessation of cover
  and the date of reinstatement. Upon reinstatement of the Policy, the grace period for the payment of the outstanding premiums shall reduce to 15 days.
• Suicide will not be covered during the first (1) year of membership from the date of receipt of the first month’s premium.
• A stillborn is not included for cover

Funeral Benefit
40410 Insure/Exodec/African Rainbow Life Limited must be notified of Funeral claims within 6 (six) months of an Insured’s death. Even if all the required information is not yet available, it must still be notified of the potential Claim. The following information is required to process a Claim (standard claims package):

Principal Member
• Fully completed, signed and stamped claim form • Certified Copy of the deceased’s identity document
• Certified Copy of the death certificate • A copy of the DHA1663 Registration of Death Form
• Certified Copy of the beneficiary identity document • Beneficiaries banking details and proof of address
• If the cause of death is unnatural – a completed police report is required

Nominated Family Members (e.g. Spouse, additional Spouses, Children, Dependent Children, Extended Family Members)
• Fully completed, signed and stamped claim form • Certified copy of the Principal Member’s identity document
• If the cause of death is unnatural – a completed police report is required • Certified Copy of the deceased’s identity document
• Certified Copy of the death certificate • A copy of the DHA1663 Registration of Death Form
• Certified Copy of the beneficiary identity document • Beneficiaries banking details and proof of address

Repatriation of mortal remains benefit (a non-underwritten benefit):
• Repatriation of Mortal remains within South Africa, Namibia, Lesotho, Swaziland, Botswana, Mozambique and Zimbabwe.
• When a member’s death occurs more than 100km from their normal place of residence / place of burial, the deceased will be transported to the place of burial irrespective of where   
  the death occurred, or where the burial will take place, provided that the repatriation is within the defined territory.

Funeral assistance service.
• 24 hours client and claims assistance service.
▪ Exodec Assist Repatriation call centre no: 0861 55 5515 Quote following: 40410 Insure Funeral Plan, Scheme Name, Policy reference number
• A maximum period of 6 (six) months from the date of Death is permitted to submit all funeral claim requirements. Failure to comply with this will result in closure of the file and no 
  further evidence being considered for assessment and processing of a Claim, unless there are extenuating circumstances acceptable to the Insurer for the late submission.



NB: the above are extracts and summaries from the Policy and do not replace the official Policy, which contains all rights of members
Unclaimed Benefits - means a benefit in terms of an approved Claim where the benefit can’t be paid to the Principal Insured/Nominated Beneficiary within 3 (three) months of the Claim having been approved because the Principal Insured/Nominated Beneficiary is not contactable. In other words, the Principal Insured/Nominated Beneficiary cannot
 be located, his/her emails are undelivered, his/her post is returned to Exodec and/or his/her contact number is no longer in use..
Protection of Personal Information in Terms of the Protection of Personal Information Act 4 of 2013
Your privacy is of utmost importance to Us. We will take the necessary measures to ensure that any and all information, including Personal Information (as defined in the Protection of Personal Information Act 4 of 2013) provided by You or which is collected from You is processed in accordance with the provisions of the Protection of Personal Information Act 4 of 2013 and further, is stored in a safe and secure manner.

You hereby agree to give honest, accurate and up-to-date Personal Information and to maintain and update such information when necessary. You accept that your Personal Information collected by Us may be used for the following reasons:
1. to establish and verify Your identity in terms of the Applicable Laws;
2. to enable Us to fulfil Our obligations in terms of this Policy;
3. to enable Us to take the necessary measures to prevent any suspicious or fraudulent activity in terms of the Applicable Laws; and
4. reporting to the relevant Regulatory Authority/Body, in terms of the Applicable Laws.

We may share Your information for further processing with the following third parties, which third parties have an obligation to keep Your Personal Information secure and confidential:
1. Payment processing service providers, merchants, banks and other persons that assist with the processing of Your payment instructions;
2. Law enforcement and fraud prevention agencies and other persons tasked with the prevention and prosecution of crime;
3. Regulatory authorities, industry ombudsmen, governmental departments, local and international tax authorities, and other persons that We, in accordance with the Applicable Laws, are required to share Your Personal Information with;
4. Credit Bureau’s;
5. Our service providers, agents and sub-contractors that We have contracted with to offer and provide products and services to any Policyholder in respect of this Policy; and
6. Persons to whom We cede Our rights or delegate Our authority to in terms of this Policy.

You acknowledge that any Personal Information supplied to Us in terms of this Policy is provided according to the Applicable Laws. Unless consented to by Yourself, We will not sell, exchange, transfer, rent or otherwise make available Your Personal Information (such as name, address, email address, telephone or fax number) to any other parties and You indemnify Us from any claims resulting from disclosures made with Your consent.
You understand that if We have utilised your Personal Information contrary to the Applicable Laws, You have the right to lodge a complaint with Guardrisk within 10 (ten) days. Should Guardrisk not resolve the complaint to Your satisfaction, You have the right to escalate the complaint to the Information Regulator.

On signing this document Exodec Funeral Administration Solutions confirm the offer of Insurance has been accepted on behalf of African Rainbow Life on condition that the first premium is paid.

The Intermediary
Business Name: Exodec 229 (Pty) Ltd
Registration number: 2016/486897/07
Physical address: 1st Flr Royal Palms Building, cnr Loch Street
& Pierneef Blvd, Meyerton, 1961
Postal address: PO Box 934, Meyerton, 1960
Telephone: 016 362 0334
Website: www.exodecgroup.co.za
FAIS registration: FSP43212

In terms of the FSP license, Exodec 229 (Pty) Ltd, is authorised to give Intermediary Services and Advice for products under:
CATEGORY I, II, IV,:
Long-term Insurance : Category A Friendly Society Benefits
Long-term Insurance : Category B1
Long-term Insurance : Category B1-A
Long-term Insurance : Category B2
Long-term Insurance : Category B2-A
Long-term Insurance : Category IV

Without in any way limiting and subject to the other provisions of the Services Agreement/Mandate, Exodec 229 (Pty) Ltd accepts responsibility for the lawful actions of their representatives (as defined in the Financial Advisory and Intermediary Service Act) in rendering financial services within the course and scope of their employment. Some representatives may be rendering services under supervision and will inform you accordingly
Legal and contractual relationship with the Insurer: Contract in Place
Professional Indemnity and/or Fidelity Cover: Exodec 229 (Pty) Ltd has a Professional Indemnity Cover and a Fidelity Guarantee Cover in place.
Claims Procedure incl. prescription period: Contact Person: Sanah Kwapeng Tel: 016 3620334 or Cell: 071 6001927 claims@exodecgroup.co.za
Complaints Procedures: Contact Person: Marieta Pretorius Tel: 016 362 0334 or Cell: 076 768 2691 or Email: info@exodecgroup.co.za
Compliance Officer: Leona Prinsloo Tel: 012 664 6257 Email: lprinsloo@mweb.co.za
Your Policy is underwritten by African Rainbow Life Limited.
Their contact details are as follows:
Physical Address: 1 Sturdee Avenue, Rosebank 2196
Tel: 087 822 1806

Particulars of Long-Term Insurance Ombud:
(For claims/service-related matters)
Postal address: Private Bag X45, Claremont, Cape Town, 7700
Telephone: +27-21- 657- 5000 / 0860 103 236
Fax number: +27-21- 674- 0951
Email: info@ombud.co.za

Particulars of the FAIS Ombudsman:
(For product/advice related matters)
Postal Address: PO Box 74571, Lynnwood Ridge, 0040
Telephone: +27- 12- 470- 9080
Fax number: +27- 12- 348- 3447
Email: info@faisombud.co.za
Particulars of the Financial Sector Conduct Authority:
Postal address: PO Box 35655, Menlo Park, 0102
Telephone: +27-12- 428-8000
Fax number: +27- 12- 347- 0221
Email: info@fsca.zo.za
Particulars of the Information Regulator:
(For data breach or matters relating to use of Personal Information)
Postal Address : PO Box 31533, Braamfontein, Johannesburg, 2017
Telephone: +27-010- 023-5200
Cell number: +27-082- 746 4173
Email: complaints.IR@justice.gov.za

The marketing and juristic representative is 40410 Insure (PTY) Ltd
Telephone: 010 040 2098
Fax: 086 500 2288
Email: info@40410Insure.com
Address: 43 Bradford Road, Bedfordview, Germiston, 2008
Postal Address: PO Box 591, Bruma, 2026
Without in any way limiting and subject to the other provisions of the Services Agreement/Mandate, Exodec 229 (Pty) Ltd accepts responsibility for the lawful actions of their representatives (as defined in the Financial Advisory and Intermediary Service Act) in rendering financial services within the course and scope of their employment. Some representatives may be rendering services under supervision and will inform you accordingly
Legal and contractual relationship with the Insurer: Contract in place
Exodec 229 (Pty) Ltd has a Professional Indemnity Cover and a Fidelity Guarantee Cover in place.
Exodec has a conflict of interest management policy in place and is available to clients on the website.
Policy Wording A copy of the policy wording can be obtained from Exodec 229 (Pty) Ltd
Consequence of non-payment: Cover will cease and no further benefits will be in force.
Details of any premium increases, including the frequency and basis thereof: Annually upon the Review Date.
The Intermediary Does not hold more than 10% of the relevant product supplier’s shares or has any equivalent substantial financial interest in the insurer. During the preceding 12 months period did not receive more than 30% of total remuneration, including commission, from the insurer.
Cooling Off Rights If any of the information reflected above and below was given to you orally, this disclosure notice serves to provide you with the information in writing. Should you not be satisfied with the policy, you are entitled to a period up to 31 days from date of receipt of the policy within which you may cancel your policy in writing at no cost. Cover will cease upon cancellation of the policy.
All premiums paid by the policyholder to the insurer within the cooling-off period, up to the date of receipt of the cancellation notice will be refunded to the policyholder provided no claim has been lodged or any benefit paid within this cooling-off period.
Other matters of importance You will be informed of any material changes to the information about the intermediary, insurer and or underwriter provided above. If we fail to resolve your complaint satisfactorily, you may submit your complaint to the Ombudsman of Long-Term Insurance You will always be given a reason for the repudiation of your claim. If the insurer wishes to cancel your policy, the insurer will give you 31 days written notice, to your last known address You will always be entitled to a copy of your policy at no extra charge.
Warning Do not sign any blank or partially completed application form. Complete all forms in ink. Keep notes of what is said to you and all documents handed to you. Where applicable, call recordings will be made available to you within 7(seven) days of request. Don’t be pressurised to buy the product. Failure to provide correct or full relevant information may influence an insurer on any claims arising from your contract of insurance.
Waiver of Rights No insurer and/or underwriting manager and/or intermediary may request or induce in any manner a client to waiver any right or benefit conferred on the client by/or in terms of any provisions of the said Code, or recognise, accept or act on any such waiver by a client. Any such waiver is null and void.


General terms and conditions: Family Funeral Plan
The maximum entry age for Principal Member is 74 years (applicable to product selected).
Spouse and children cover and rules are applicable to Family plan.
Maximum entry age Spouse is 74 years.
Cover for children will cease at age 22. Children aged 22 or older will be covered up to age 26 if they are studying full-time at a recognised school or
tertiary institution. This is subject to the provision of satisfactory evidence (annually) of fulltime study at a recognised school or tertiary institution.
(Applicable to product selected)
Unmarried mentally/physically disabled children who are totally dependent on the Principal Member will be covered for as long as the policy is in force.
Cover will be provided for one (1) Spouse and for a maximum of 5 children at the stated premium.
Should a child be born to the principal member, the principal member has 60 days to update his application/nomination form. If the documentation is not
updated the child will not be covered for benefits.
If the Principal Member ceases to be a member of the funeral scheme (dies, withdraws or retires) cover will cease immediately for the Principal Member and all their Dependants.
 If it is a family plan and should the Spouse elect to take over the policy of an existing Principal Member due to the Principal Member’s Death, this must be done within 30  
 days of the Death and application/nominations form and monthly membership schedule must be updated accordingly. The underwriter reserves the right to cancel the underwriting
 with 31 days’ notice for whatsoever reason after the guarantee period of 12 months.
Repatriation of mortal remains benefit: This is a Value Added Service Non-Underwritten Benefit, although included in product rates it is a stand alone benefit and can only be
 provided by a registered and approved service provider.
Repatriation of Mortal remains within South Africa and neighbouring countries to a maximum of R10 000 per event. The annual limitation is R20 000 per policy per year. This
 includes embalming and advice on how to apply for the death certificate and border crossing documentation.
When a member’s death occurs more than 100km from their normal place of residence / place of burial, the deceased will be transported to the place of burial irrespective of where
 the death occurred, or where the burial will take place, provided that the repatriation is within the defined territory. Allowance for one family member to travel with the deceased
 free of charge.
Funeral assistance service, all documentation, Referral to a pathologist if an autopsy is required and referral to a reputable undertaker
Removal from place of death (anywhere in RSA) Minimum of 20km to a maximum of R900 per claim. Storage to a maximum amount of R1000 / 7 days.
Standard waiting period as per product waiting period apply to new and existing policies
24 hours client and claims assistance service.
Exodec Assist Repatriation call centre no: 0861 55 5515 Quote following: 40410 Insure Funeral Plan, Scheme Name, Policy reference number

Exclusions
The Insurer will not pay any Funeral Benefit if death was directly or indirectly caused, resulting from or in connection with any of the following: a. active participation in war, invasion, acts of foreign enemies, hostilities, warlike operations (whether war be declared or not), civil war, rebellion, revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power; b. the deceased’s deliberate exposure to exceptional danger, except in an attempt by the deceased to save a human life.
Suicide will be excluded for the first 12 months from the Commencement Date.
A 6 months Waiting Period for Natural Death for all insured lives from the Commencement Date. The Insurer will have no liability for a Claim Event if Death for any Insured is directly or indirectly caused by or attributable to natural causes during this period, unless proof is supplied to the Insurer of previous cover for such Insured in the 31 (thirty-one)
Day period prior to the Commencement Date of this Policy, and where such similar cover with the alternate insurer was replaced with this Policy and where the waiting period on such prior policy had already expired.
Claims due to Accidental Death will not be subjected to a Waiting Period, on condition that the first premium is paid.
When taking up a higher benefit a 6 months Waiting Period will apply to the increased amount not the current benefit cover enjoyed.
When taking over existing affiliation schemes African Rainbow Life Limited will require proof of membership for the Waiting Period to be waived, if not available the full Waiting Period will apply.

Premiums
Premiums must be paid for the month of cover and the 12 months premium payment history must show that all payments were made monthly.
Premiums for the basic benefit are quoted as a fixed Rand amount per month. 
All Risk Premiums are payable monthly to the Insurer in the month in which the premium is received and for which it is due.
Should Insurance in respect of a Principal Member, his Spouse, his Children cease due to the non-payment of premiums, membership may be reinstated. If reinstatement occurs within 2 (two) months from the date of cessation of cover, no Waiting Period will be imposed on any Insured life. If reinstatement occurs after 2 (two) months from the date of cessation of cover, the full Waiting Period will restart from zero. No Insurance cover will be provided during the period between cessation of cover and the date of reinstatement.
Upon reinstatement of the Policy, the grace period for the payment of the outstanding premiums shall reduce to 15 days.
Claim Requirements
40410 Insure/Exodec/African Rainbow Life Ltd must be notified of Funeral Claims within 6 months of an Insured’s death. Even if all the required information is not yet available, it must still be notified of the potential Claim. The following information is required to process a Claim (standard claims package)

Principal member
▪ Fully completed, signed and stamped claim form Certified Copy of the deceased’s identity document
▪ Certified Copy of the death certificate A copy of the DHA1663 Registration of Death Form
▪ Certified Copy of the beneficiary identity document Beneficiaries banking details
▪ Proof of address of beneficiary (not older than 3 months)
▪ If the cause of death is unnatural – a completed police report is required
▪ Proof of claim payment received by beneficiary – if claim paid out prior to submission of this documentation
▪ Spouse’s and Children’s funeral benefit (applicable to Family plan only)
▪ Fully completed, signed and stamped claim form Certified Copy of Principal Member’s Identity Document
• Certified Copy of the deceased’s identity document or birth certificate Certified Copy of the Death Certificate
• If no identity document or birth certificate – a copy of the clinic card or a hospital file is required
▪ A copy of the DHA1663 Registration of Death Form
▪ Certified Copy of the marriage certificate, or a copy of the Lobola letter or an affidavit confirming person was life partner
▪ Certified Copy of the beneficiary identity document
▪ Copy of the premium schedule
▪ Beneficiaries banking details
▪ If the cause of death is unnatural – a completed police report is required
▪ If the Child is over the age of 22 – we require a certified copy of a letter from the educational facility confirming that the Child is registered and the course / grade that they are registered for
▪ Proof of address of beneficiary (not older than 3 months)
Unclaimed Benefits - means a benefit in terms of an approved Claim where the benefit can’t be paid to the Principal Insured/Nominated Beneficiary within 3 (three) months of the Claim having been approved because the Principal Insured/Nominated Beneficiary is not contactable. In other words, the Principal Insured/Nominated Beneficiary cannot be located, his/her emails are undelivered, his/her post is returned to Exodec and/or his/her contact number is no longer in use..
Protection of Personal Information in Terms of the Protection of Personal Information Act 4 of 2013
Your privacy is of utmost importance to Us. We will take the necessary measures to ensure that any and all information, including Personal Information (as defined in the Protection of Personal Information Act 4 of 2013) provided by You or which is collected from You is processed in accordance with the provisions of the Protection of Personal Information Act 4 of 2013 and further, is stored in a safe and secure manner.
You hereby agree to give honest, accurate and up-to-date Personal Information and to maintain and update such information when necessary. You accept that your Personal Information collected by Us may be used for the following reasons:
1. to establish and verify Your identity in terms of the Applicable Laws;
2. to enable Us to fulfil Our obligations in terms of this Policy;
3. to enable Us to take the necessary measures to prevent any suspicious or fraudulent activity in terms of the Applicable Laws; and 
4. reporting to the relevant Regulatory Authority/Body, in terms of the Applicable Laws.

We may share Your information for further processing with the following third parties, which third parties have an obligation to keep Your Personal Information secure and confidential:
1. Payment processing service providers, merchants, banks and other persons that assist with the processing of Your payment instructions;
2. Law enforcement and fraud prevention agencies and other persons tasked with the prevention and prosecution of crime;
3. Regulatory authorities, industry ombudsmen, governmental departments, local and international tax authorities, and other persons that We, in accordance with the Applicable Laws, are required to share Your Personal Information with;
4. Credit Bureau’s;
5. Our service providers, agents and sub-contractors that We have contracted with to offer and provide products and services to any Policyholder in respect of this Policy; and
6. Persons to whom We cede Our rights or delegate Our authority to in terms of this Policy.

You acknowledge that any Personal Information supplied to Us in terms of this Policy is provided according to the Applicable Laws. Unless consented to by Yourself, We will not sell, exchange, transfer, rent or otherwise make available Your Personal Information (such as name, address, email address, telephone or fax number) to any other parties and You indemnify Us from any claims resulting from disclosures made with Your consent.
You understand that if We have utilised your Personal Information contrary to the Applicable Laws, You have the right to lodge a complaint with African Rainbow Life within 10 (ten) days. Should African Rainbow Life not resolve the complaint to Your satisfaction, You have the right to escalate the complaint to the Information Regulator.

On signing this document Exodec Funeral Administration Solutions confirm the offer of Insurance has been accepted on behalf of African Rainbow Life on condition that the first premium is paid.

The Intermediary
Business Name: Exodec 229 (Pty) Ltd
Registration number: 2016/486897/07
Physical address: 1st Flr Royal Palms Building, cnr Loch Street
& Pierneef Blvd, Meyerton, 1961
Postal address: PO Box 934, Meyerton, 1960
Telephone: 016 362 0334
Website: www.exodecgroup.co.za
FAIS registration: FSP43212

In terms of the FSP license, Exodec 229 (Pty) Ltd, is authorised to give Intermediary Services and Advice for products under:
CATEGORY I, II, IV,:
Long-term Insurance : Category A Friendly Society Benefits
Long-term Insurance : Category B1
Long-term Insurance : Category B1-A
Long-term Insurance : Category B2
Long-term Insurance : Category B2-A
Long-term Insurance : Category IV

Without in any way limiting and subject to the other provisions of the Services Agreement/Mandate, Exodec 229 (Pty) Ltd accepts responsibility for the lawful actions of their representatives (as defined in the Financial Advisory and Intermediary Service Act) in rendering financial services within the course and scope of their employment. Some representatives may be rendering services under supervision and will inform you accordingly
Legal and contractual relationship with the Insurer: Contract in Place
Professional Indemnity and/or Fidelity Cover: Exodec 229 (Pty) Ltd has a Professional Indemnity Cover and a Fidelity Guarantee Cover in place.
Claims Procedure incl. prescription period: Contact Person: Sanah Kwapeng Tel: 016 3620334 or Cell: 071 6001927 claims@exodecgroup.co.za
Complaints Procedures: Contact Person: Marieta Pretorius Tel: 016 362 0334 or Cell: 076 768 2691 or Email: info@exodecgroup.co.za
Compliance Officer: Leona Prinsloo Tel: 012 664 6257 Email: lprinsloo@mweb.co.za
Your Policy is underwritten by African Rainbow Life Limited.
Their contact details are as follows:
Physical Address: 1 Sturdee Avenue, Rosebank 2196
Tel: 087 822 1806
Particulars of Long-Term Insurance Ombud:
(For claims/service-related matters)
Postal address: Private Bag X45, Claremont, Cape Town, 7700
Telephone: +27-21- 657- 5000 / 0860 103 236
Fax number: +27-21- 674- 0951
Email: info@ombud.co.za

Particulars of the FAIS Ombudsman:
(For product/advice related matters)
Postal Address: PO Box 74571, Lynnwood Ridge, 0040
Telephone: +27- 12- 470- 9080
Fax number: +27- 12- 348- 3447
Email: info@faisombud.co.za

Particulars of the Financial Sector Conduct Authority:
Postal address: PO Box 35655, Menlo Park, 0102
Telephone: +27-12- 428-8000
Fax number: +27- 12- 347- 0221
Email: info@fsca.zo.za
Particulars of the Information Regulator:
(For data breach or matters relating to use of Personal Information)
Postal Address : PO Box 31533, Braamfontein, Johannesburg, 2017
Telephone: +27-010- 023-5200
Cell number: +27-082- 746 4173
Email: complaints.IR@justice.gov.za

The marketing and juristic representative is 40410 Insure (PTY) Ltd
Telephone: 010 040 2098
Fax: 086 500 2288
Email: info@40410Insure.com
Address: 43 Bradford Road, Bedfordview, Germiston, 2008
Postal Address: PO Box 591, Bruma, 2026

Without in any way limiting and subject to the other provisions of the Services Agreement/Mandate, Exodec 229 (Pty) Ltd accepts responsibility for the lawful actions of their representatives (as defined in the Financial Advisory and Intermediary Service Act) in rendering financial services within the course and scope of their employment. Some representatives may be rendering services under supervision and will inform you accordingly
Legal and contractual relationship with the Insurer: Contract in place
Exodec 229 (Pty) Ltd has a Professional Indemnity Cover and a Fidelity Guarantee Cover in place.
Exodec has a conflict of interest management policy in place and is available to clients on the website.
Policy Wording A copy of the policy wording can be obtained from Exodec 229 (Pty) Ltd
Consequence of non-payment: Cover will cease and no further benefits will be in force.
Details of any premium increases, including the frequency and basis thereof: Annually upon the Review Date.
The Intermediary Does not hold more than 10% of the relevant product supplier’s shares or has any equivalent substantial financial interest in the insurer. During the preceding 12 months period did not receive more than 30% of total remuneration, including commission, from the insurer.
Cooling Off Rights If any of the information reflected above and below was given to you orally, this disclosure notice serves to provide you with the information in writing. Should you not be satisfied with the policy, you are entitled to a period up to 31 days from date of receipt of the policy within which you may cancel your policy in writing at no cost. Cover will cease upon cancellation of the policy.
All premiums paid by the policyholder to the insurer within the cooling-off period, up to the date of receipt of the cancellation notice will be refunded to the policyholder provided no claim has been lodged or any benefit paid within this cooling-off period.
Other matters of importance You will be informed of any material changes to the information about the intermediary, insurer and or underwriter provided above. If we fail to resolve your complaint satisfactorily, you may submit your complaint to the Ombudsman of Long-Term Insurance You will always be given a reason for the repudiation of your claim. If the insurer wishes to cancel your policy, the insurer will give you 31 days written notice, to your last known address You will always be entitled to a copy of your policy at no extra charge.
Warning Do not sign any blank or partially completed application form. Complete all forms in ink. Keep notes of what is said to you and all documents handed to you. Where applicable, call recordings will be made available to you within 7(seven) days of request. Don’t be pressurised to buy the product. Failure to provide correct or full relevant information may influence an insurer on any claims arising from your contract of insurance.
Waiver of Rights No insurer and/or underwriting manager and/or intermediary may request or induce in any manner a client to waiver any right or benefit conferred on the client by/or in terms of any provisions of the said Code, or recognise, accept or act on any such waiver by a client. Any such waiver is null and void.


40410 INSURE (Pty) Ltd, is a Juristic Representative of Exodec 229 (Pty) Ltd FSP43212

Mobirise
40410 Insure
Address

43 Bradford Road,
Bedfordview,
Germiston,
2008

Contacts

Email: info@40410insure.com
Contact Center: 010 040 2098
Repatriation: 0861 55 5515

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