EFS Legacy Shield – Key Terms
The important facts, in one place.
This page summarises the key terms of the EFS Legacy Shield funeral plan. It is a summary for information only – your policy document, terms and conditions set out the full details and always apply.
Plans & Monthly Premiums
One plan covers the main member plus up to 6 children and up to 6 extended family members. A spouse can also be covered.
| Plan | Main member 18–74 | Super Senior 75–89 |
|---|---|---|
| Cow | R199 pm | R345 pm |
| Grocery | R250 pm | R395 pm |
| Catering | R350 pm | R465 pm |
| Cow & Grocery Combo | R350 pm | R465 pm |
Once-off Administration & Activation Fee: R99
Age Bands & Family Cover
- Main member entry age: 18–74 years.
- Super Senior entry age: 75–89 years.
- Up to 6 children (from 14 days old) and up to 6 extended family members can be added.
- Children are covered at age-based percentages of the main member's benefit (14–20 years 100%, 6–13 years 50%, under 6 years 20%, stillborn 10%), subject to the policy terms.
Waiting Periods
- Accidental death: covered immediately after the first premium is paid.
- Natural death: 6-month waiting period from the start of cover.
The Cash Option
Each benefit is provided as goods and services (the Catering Benefit as a service). Your policy terms explain your right to choose a cash amount instead, at no extra fee.
Exclusions (Summary)
Benefits are subject to waiting periods, exclusions and sub-limits set out in the policy terms and conditions. Claims are assessed against those terms, and cover must be active with premiums up to date. Suicide is not covered during the first 24 months of cover. Please read your policy document for the full list of exclusions.
Cooling-off & Cancellation
You have a cooling-off right and may cancel your policy as set out in your policy document. A premium grace period applies before a policy lapses – please see your policy terms for the exact periods.
Complaints
If you have a complaint, please contact us on 087 183 1300 or hello@emthunzinifs.co.za, and we will log and respond to your complaint in line with our complaints procedure. If your complaint is not resolved to your satisfaction, you may escalate it to the insurer and, thereafter, to the National Financial Ombud Scheme (NFO).
Ready to get covered?
Emthunzini Consortium (Pty) Ltd t/a Emthunzini Financial Services is an authorised Financial Services Provider (FSP 54028). Underwritten via Anayasure Underwriting Managers (FSP 52695). Illustrative benefits subject to plan terms and conditions. Waiting periods, exclusions and sub-limits apply.