EXTENDED FUNERAL COVER USER GUIDE AND CONTRACT

Transcription

1 EXTENDED FUNERAL COVER USER GUIDE AND CONTRACT

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3 CONTENTS FAMILY FUNERAL COVER Provdng a dgnfed funeral 1 Structure 2 How does t work? 3 1 STEP 1: WHO CAN YOU INSURE? Who can you nsure? 5 Watng perods 9 2 STEP 2: BENEFITS ON YOUR POLICY Benefts avalable 11 3 STEP 3: YOUR COVER LEVELS Choose cover levels 15 EXCLUSIONS AND WHEN YOUR POLICY ENDS Exclusons 17 When wll your polcy end? 19 HOW TO MAINTAIN YOUR POLICY Monthly payments 21 Makng changes to your polcy 23 Choose your benefcares 23 Addtonal nformaton 23 Makng a clam on your polcy 24 How to make a clam 25 CONTACT US Metropoltan 27 Complants and Complance 27 Long Term Ombudsman 27 FAIS Ombudsman 27

4 METROPOLITAN FAMILY FUNERAL COVER PROVIDING YOUR LOVED ONES WITH A DIGNIFIED FUNERAL Provdng for unexpected funeral expenses We all want to show love and respect when a loved one passes away by beng able to pay for a dgnfed funeral. Ths can be expensve. We may need to pay for the coffn, mortuary, funeral servce, caterng, travellng, flowers and tent hre. Metropoltan s Famly Funeral Cover provdes peace of mnd for you and your famly durng tmes of need by provdng fnancal assstance to cover funeral costs. What s a voluntary group scheme? A voluntary group scheme s an agreement between an organsaton (such as your unon or employer) and Metropoltan. Members of the organsaton own ndvdual polces, such as ths group scheme polcy. These members may beneft from lower premum rates that have been negotated between Metropoltan and ther organsaton. Protecton for your whole famly Metropoltan s makng a dgnfed funeral accessble to the whole famly (that s your mmedate famly, parents as well as extended famly) n one polcy. QUICK FACTS Funerals costs may nclude: Funeral admnstraton fees. The coffn. Mortuary fees. Funeral servce fees. Grave costs. On top of ths, you may also have to pay for: Flowers. Travellng costs to and from the funeral. Accommodaton for famly and frends. Hrng of tents and chars. Caterng. Obtuares. Pamphlets n church. Unvelng of the tombstone etc. A range of optons to sut your needs and your pocket To help provde approprate funeral cover for your loved ones, we offer the followng funeral plans: Immedate Famly Funeral Plan Parents Funeral Plan Extended Famly Funeral Plan 1

5 STRUCTURE 2

6 METROPOLITAN FAMILY FUNERAL COVER HOW DOES IT WORK? Metropoltan s Famly Funeral Cover provdes money for your own and/ or your loved ones funeral. To make sure that your polcy meets all your needs, you need to take the followng steps: 1 IMPORTANT Your cover starts from the frst day of the month n whch Metropoltan receves your frst premum. Refer to page 21 for detals on mantanng your polcy. Choose who you want to nsure 2 Benefts ncluded INFORMATION A premum s a monthly payment n return for whch Metropoltan nsures you n terms of the polcy. 3 Choose your cover levels 3

7 STEP 1 WHO CAN YOU INSURE? 1

8 1 STEP 1: WHO CAN YOU INSURE? POLICY CONTRACT The followng secton sets out the terms of the contract between Metropoltan and you, the member. It has been wrtten n an easy to understand way so that you can easly understand your polcy. It s mportant that you read ths contract carefully. WHO CAN YOU INSURE WITH THIS POLICY? PARTICIPANTS PLANS Member, one lfe partner and unlmted chldren 4 Parents and parents-n-law (up to four) 4 Extended famly (up to nne) 4 MEMBER As a member of a voluntary group ths polcy belongs to you. You can choose who you would lke to nsure wth your polcy. You can also choose to nsure yourself but you do not have to. The people you nsure are called partcpants. The member s also a partcpant. A member must be: older than 17; younger than 65 years old; and a member of Consoldated Retrement Fund for local government when you buy ths polcy. You must lve n South Afrca. Metropoltan may ask you for proof that you lve n South Afrca. You, the member, can only own one DreamBulder Famly Funeral Cover Polcy. INFORMATION The member s the person who s responsble for payng the premums. Your polcy summary contans mportant nformaton about your polcy such as detals of the member and partcpants; the benefts that apply to you and where to fnd nformaton about each beneft. 5

9 1 POLICY CONTRACT LIFE PARTNER IMMEDIATE FAMILY You can choose to nsure your mmedate famly. Your mmedate famly s: you, the member; one lfe partner; and all your chldren. INFORMATION If you have more than one lfe partner, addtonal lfe partners can be nsured under the extended famly. Your lfe partner s: your husband or wfe; or the person lvng wth you who s accepted by the communty as your husband or wfe. Only one lfe partner can be nsured under mmedate famly cover. If you dvorce or no longer lve wth your lfe partner, they cannot be nsured as part of your mmedate famly. However, you can choose to nsure your former lfe partner as a member of your extended famly. You can only do ths f they were nsured under mmedate famly cover before you dvorced or stopped lvng together. Your lfe partner must lve n South Afrca. Metropoltan may ask you for proof that your lfe partner lves n South Afrca. CHILDREN You can nsure an unlmted number of your chldren under mmedate famly cover. Your chld s defned as your own, step or legally adopted unmarred chld who s: younger than 21; 21 years and older (but younger than 26 years old) and a full-tme student; physcally and mentally dsabled and s completely dependent on you; or stllborn after 26 weeks of pregnancy. INFORMATION Fnancally ndependent chldren can be nsured as extended famly members. You have to let Metropoltan know f you want to do ths. If your chldren: get marred; or become fnancally ndependent; they wll not be nsured under mmedate famly. If they get dvorced or become fnancally dependent on you agan, they cannot be nsured as a chld under mmedate famly agan. To be nsured, newborn chldren must be added to your polcy wthn sx months from date of brth. Your chldren must lve n South Afrca. Metropoltan may ask you for proof that your chldren lve n South Afrca. 6

10 1 STEP 1: WHO CAN YOU INSURE? POLICY CONTRACT PARENTS You can choose to nsure up to two of your own parents and up to two of your parents-n-law. Your parents are your: legally recognsed parents; step parents; or legal guardans. INFORMATION You can nsure a foster parent as an extended famly member. A parent must be younger than 75 years old when: you add them to your polcy; you change ther cover level; or Your parents must lve n South Afrca. Metropoltan may ask you for proof that your parents lve n South Afrca. EXTENDED FAMILY You can add up to nne extended famly members to your polcy. Extended famly members can be chosen from: Any of your other lfe partners (other than the lfe partner already nsured under mmedate famly cover). Your former lfe partner who was nsured under mmedate famly cover before you dvorced or stopped lvng together. You or your lfe partner s (ths s the lfe partner who s nsured under mmedate famly cover): Grandparent. Grandchld. Uncle. Aunt. Brother. Sster. Brother-n-law. Sster-n-law. Cousn. Nece. Nephew. Son-n-law. Daughter-n-law. Fnancally ndependent or marred chld. Foster parent. Foster chldren. Your chld that s not nsured under mmedate famly cover. INFORMATION A foster chld s a chld who s n the care of a person who s not the parent or guardan as a result of an order of the Chldren s Court or an offcal transfer from another form of care. 7

11 1 POLICY CONTRACT Extended famly members must be younger than 75 years old when: you add them to your polcy; you change ther cover level; or When your chld can no longer be nsured under mmedate famly cover, they can be nsured as an extended famly member on your polcy. The monthly premum amount may change. You must notfy Metropoltan wthn three months of the chld no longer qualfyng for nsurance under mmedate famly cover n order to avod a new watng perod for your chld. If your chld s moved from mmedate famly to extended famly and: The cover remans the same, no new watng perod wll apply. The cover s ncreased, a watng perod wll apply to the ncrease only. Your extended famly members must lve n South Afrca. Metropoltan may ask you for proof that an extended famly member lves n South Afrca. IMPORTANT If you notfy Metropoltan after three months of your chld no longer qualfyng for cover under mmedate famly cover, a new watng perod wll apply. Please speak to your fnancal advser to gude you through ths change. You can also contact us on or vst one of our Clent Servces Offces for assstance. 8

12 1 STEP 1: WHO CAN YOU INSURE? POLICY CONTRACT WAITING PERIODS A watng perod s a perod of tme n whch a partcpant s not nsured for some or all events. Watng perods apply to each partcpant. The watng perod starts from the frst day of the month n whch we receve your frst premum. The reason for havng watng perods s that they make premums more affordable to you. Ths s because they dscourage people wth lfe threatenng llnesses from takng out lfe nsurance and clamng benefts mmedately. As a result of watng perods, medcal examnatons are not necessary and premums are more affordable for everyone. Partcpants are: nsured for accdental death durng the watng perod; and not nsured for death by natural causes durng the watng perod. Watng perods can apply when you: Frst start your polcy. Change your cover levels. Add a partcpant to your polcy. INFORMATION The length of the watng perod s explaned wth each beneft and n your polcy summary. INFORMATION Some of examples of natural causes of death are heart attack, stroke, organ falure or cancer. If you make changes to your polcy, a new watng perod may apply. The new watng perod wll apply to the change only. For example; f you ncrease your cover level, a watng perod wll apply to the ncrease n your cover level only. The watng perod wll apply from the frst day of the month n whch we receve your ncreased premum. HOW THE WAITING PERIOD WORKS Mr Jones buys a polcy and pays hs frst premum n March. The entry date of the polcy wll be 1 March, whch s the date that the watng perod starts. The watng perod s sx months and stops at the end of August. Cover for death due to natural causes starts on 1 September. The watng perod does not apply to accdental death and cover starts on 1 March. INFORMATION An accdent s an event that happens whch a person has no control over and whch they were not prepared for or expectng. The accdent must be the drect and only cause of death. Examples of an accdent are a car crash or drownng. Accdental deaths are covered from the start of your polcy. 9

13 STEP 2 BENEFITS ON YOUR POLICY 2

14 2 STEP 2: BENEFITS ON YOUR POLICY POLICY CONTRACT BENEFITS AVAILABLE ON THIS POLICY PLANS Funeral beneft Pad-up beneft on dsablty of member Pad-up beneft on the member reachng age The benefts applcable to your polcy are contaned n your polcy summary. FUNERAL BENEFIT The Funeral beneft pays out a lump sum when a partcpant passes away. If a partcpant passes away from natural causes durng the watng perod, the Funeral beneft wll not pay out. If a partcpant des due to an accdent durng the watng perod, the Funeral beneft wll pay out. The watng perod applcable to each partcpant s contaned n your polcy summary. The Funeral beneft s avalable to all partcpants. Please refer to your polcy summary to see whch partcpants the beneft was chosen for. INFORMATION The Funeral beneft can be used to pay for expenses assocated wth a funeral. The watng perod s a perod n whch partcpants are not covered for some or all events, even though premums are beng pad. Watng perods can apply when you: Frst start your polcy. Change your cover levels. Add a person to your polcy. 11

15 2 POLICY CONTRACT PAID-UP BENEFIT ON DISABILITY OF THE MEMBER The nsurance cover for all partcpants wth ths beneft contnues after you, the member, becomes dsabled and no further premums become payable. Your polcy wll become pad-up when you become dsabled after the watng perod. If you become dsabled as a result of an accdent, the watng perod wll not apply and the polcy wll become pad-up. A person s dsabled when they are completely and permanently unable to work for an employer for a salary. Metropoltan wll determne whether the dsablty s complete and permanent. Your polcy summary tells you how long your watng perod s. IMPORTANT You must request a Pad-up on dsablty beneft by contactng the Metropoltan Call Centre. After the polcy s pad-up, Metropoltan may ncrease the value of your nsurance cover each year. The ncrease depends manly upon the nvestment returns of Metropoltan. You wll be pad any ncreased amount when a beneft s pad. Please refer to your polcy summary to see whch partcpants the beneft was chosen for. PAID-UP BENEFIT ON THE MEMBER REACHING AGE 65 The nsurance cover for all partcpants that ths beneft apples to contnues after you, the member, reaches age 65. No further premums wll be payable. If the cover level has been unchanged for more than 10 years pror to the member reachng age 65, the full cover wll contnue when the polcy becomes pad-up. If the cover level has been ncreased durng the 10 years before the member reaches age 65, the pad-up cover wll be reduced for the ncrease n cover level porton. When you reach normal retrement age and premums have been pad for Less than 5 years Your cover level wll be ths percentage of the cover for whch premums have been pad Nl 5 full years 50% 6 full years 60% 7 full years 70% 8 full years 80% 9 full years 90% 10 full years or more 100% 12

16 2 STEP 2: BENEFITS ON YOUR POLICY POLICY CONTRACT For example, Mr Jones takes out R funeral cover at age 50 and normal retrement age of hs scheme s 65. At age 57 (exactly), he ncreases the cover from R to R At age 65 Mr Jones wll be nsured for R You can buy a full Pad-up beneft by payng a sngle premum. Metropoltan wll calculate ths premum. You cannot buy a full beneft for your parents or extended famly members. You may also contnue to pay premums beyond age 65, untl premums for full cover have been pad for 10 years. The cover for partcpants who are not covered by the Pad-up beneft on the member reachng age 65 wll end. You must tell Metropoltan that you want to make your polcy pad-up. After the polcy s pad-up, Metropoltan may ncrease the value of your nsurance cover each year. The ncrease depends manly upon the nvestment returns of Metropoltan. You wll be pad any ncreased amount when a beneft s pad. INFORMATION Contact us when you reach age 65 to tell us f you want to take advantage of the Pad-up beneft. Please refer to your polcy summary to see whch partcpants the beneft was chosen for. 13

17 STEP 3 CHOOSING YOUR COVER LEVELS 3

18 IN LOVING MEMORY JOE SOAP STEP 3: CHOOSING YOUR COVER LEVELS POLICY CONTRACT CHOOSE COVER LEVELS FOR EACH INSURED LIFE INSURED LIVES COVER LEVELS IMMEDIATE FAMILY Member, one lfe partner and unlmted chldren to Parents and parents-n-law (up to four) to Extended famly (up to nne) to I CAN CHOOSE COVER LEVELS OF R5 000 R R EXAMPLES OF FUNERAL COSTS FOOD AIRTIME TRANSPORT ELECTRICITY MORTUARY ACCOMMODATION TRANSPORT CLOTHES COFFIN HEARSE RENTALS FLOWERS NOTICES TOMBSTONE FEES FOOD FAMILY NEEDS? OTHER PRE-FUNERAL COSTS: R FUNERAL SERVICE COSTS: R POST FUNERAL COSTS: R NOTE: Please refer to your polcy summary for your polcy s actual cover levels. Cover for chldren s restrcted by legslaton. Please refer to your polcy summary to see the cover levels of your chldren. CHILDREN COVER LEVELS Cover for chldren s restrcted by legslaton. Member cover levels Younger than sx years Sx and older but younger than and older but younger than

19 EXCLUSIONS AND WHEN YOUR POLICY ENDS

20 EXCLUSIONS AND WHEN YOUR POLICY ENDS POLICY CONTRACT EXCLUSIONS WHEN METROPOLITAN WILL NOT PAY BENEFITS SUICIDE AND SELF-INFLICTED INJURY No beneft s pad f death s as a result of sucde wthn the frst two years of the polcy. Every tme cover s ncreased, there s a two year excluson perod for sucde for the ncreased porton of the cover. If there s a sucde wthn the new two year excluson perod, Metropoltan wll pay a beneft equal to the prevous cover level. No beneft s pad f a partcpant becomes dsabled as a result of selfnflcted njury (for example, f the partcpant shoots hmself and s dsabled as a result) wthn the frst two years of the polcy. Every tme cover s ncreased, there s a two year excluson perod for dsablty as a result of self-nflcted njury for the ncreased porton of the cover. If there s a dsablty wthn the excluson perod, Metropoltan wll pay a beneft equal to your prevous cover level. ACCIDENTS If any of the followng contrbuted to a partcpant dyng n an accdent, no beneft wll be pad: drnkng too much alcohol (any amount above the legal lmt to drve a motor car s too much alcohol); havng taken drugs; consumpton of harmful substances; takng any other medcne that was not prescrbed by a doctor who s currently regstered wth the Health Professons Councl of South Afrca; or takng more than the prescrbed dosage of medcne. If a partcpant des n an accdent as a result of breakng the law, no beneft wll be pad. 17

21 POLICY CONTRACT PROVIDING INCORRECT INFORMATION The nformaton contaned n your applcaton, forms the bass of ths polcy. You must make sure that there s full and accurate dsclosure of nformaton concernng all partcpants that s relevant to Metropoltan s assessment of the rsks and premums n respect of the applcaton. Wthholdng or msrepresentng nformaton that s materal to Metropoltan s decson on whether to offer beneft(s) to you or on what terms these benefts are offered to you, consttutes nondsclosure. Assstance by a fnancal advser or another person n completng documentaton wll not change your duty to dsclose. If the non-dsclosure was delberate t wll result n all premums pad to Metropoltan beng forfeted wth no clam beng pad. Metropoltan wll follow gudelnes to ensure consstent and far treatment of nondsclosure at clams stage. If you gave any nformaton that s not correct, you should correct t mmedately. COMMITTING FRAUD If you commt fraud or try to commt fraud, we wll not pay your clam and we wll not refund your premums. THE PARTICIPANT PASSES AWAY IN ANOTHER COUNTRY If any partcpant has been outsde South Afrca s borders for more than 12 consecutve months mmedately pror to ther death, the cover under ths polcy ends. Metropoltan wll not pay any benefts for ths partcpant. RESIDENCE IN SOUTH AFRICA Each partcpant must lve n South Afrca. Metropoltan may requre proof of resdence. 18

22 EXCLUSIONS AND WHEN YOUR POLICY ENDS POLICY CONTRACT WHEN WILL YOUR POLICY END? Your polcy ends on the day: you tell us n wrtng to cancel your polcy; you de, unless your polcy has become pad-up on your death; all partcpants have ded; your polcy lapses; the voluntary group scheme s cancelled; or you cancel membershp of your organsaton. 19

23 HOW TO MAINTAIN YOUR POLICY

24 HOW TO MAINTAIN YOUR POLICY POLICY CONTRACT MONTHLY PAYMENTS Your cover starts Your cover starts from the frst day of the month n whch Metropoltan receves your frst premum. If there are any vald clams n your frst month of cover before you have pad your frst premum, Metropoltan wll deduct your frst premum from any clam amounts. If you ncrease your cover, the ncreased cover wll start from the frst day of the month n whch Metropoltan receves your premum for the ncreased cover. If there are any vald clams before you have pad your ncreased premum, your prevous cover level wll apply. IMPORTANT A premum s a monthly payment made by the polcy holder to Metropoltan for the cover requred n terms of the contract. You must pay the premums on your polcy You must pay your premum by the end of every month. You must pay your premum untl: your polcy becomes pad-up; or your polcy ends. If you do not pay your premums, your polcy wll lapse and you wll not be nsured or able to clam any benefts. Metropoltan does not charge penaltes f you stop payng your premum. Changes to monthly payments, benefts, cover levels and terms INFORMATION If you are not satsfed wth the new premum, please ask your fnancal advser for other optons wthn 30 days. Metropoltan may need to revew the premums, benefts, cover levels and terms of the Metropoltan Famly Funeral Cover polces. In a revew, Metropoltan looks at the assumptons that were used to calculate the premums, benefts, cover levels and terms of the Metropoltan Famly Funeral Cover polces. Examples of the assumptons revewed are mortalty, expenses and lapses. Metropoltan compares these assumptons wth what actually happened over a reasonable perod of tme for all the Metropoltan Famly Funeral Cover polces. Metropoltan uses the results of ths comparson to calculate any changes whch are necessary. As a result of ths, premums and cover levels may ncrease or decrease or terms and benefts may change. There s no lmt to these ncreases and decreases. Metropoltan wll gve you three months notce of any change. If you are not satsfed you can change your polcy by, for example, reducng or ncreasng cover levels, nsurng more or fewer people or reducng or addng benefts. 21

25 POLICY CONTRACT Rules about skppng your monthly payments You can skp premums wthout your polcy comng to an end. You must tell Metropoltan f you want to skp a premum. If you do not tell us, we wll try to deduct two premums the next month from your bank account. You wll have to pay any bank charges f your debt order s rejected. If you skp a premum t wll be deducted from any clams whch are pad. IMPORTANT If your polcy ends (lapses) you are no longer covered by Metropoltan and no further benefts can be clamed under ths polcy. If you skp more premums than you are allowed, your polcy wll end. Please carefully note the followng: You can skp two premums durng the frst three years of your polcy. If you skp more than two premums durng the frst three years, your polcy wll lapse. If you do not skp any premums n the frst three years, you lose those unused skps. You can skp two premums durng years four to sx of your polcy. If you skp more than two premums durng years four to sx, your polcy wll lapse. If you do not skp any premums n years four to sx of your polcy, you lose those unused skps. From year seven you can skp another two premums n total. If you skp more than two premums at any tme from year seven onwards, your polcy wll lapse. You can skp a maxmum of sx premums durng the lfetme of your polcy. 22

26 HOW TO MAINTAIN YOUR POLICY POLICY CONTRACT Re-nstatng your polcy Your polcy can be re-nstated as long as three months have not passed snce t lapsed. Whle your polcy s lapsed, you wll not be nsured. Your nsurance cover wll start agan from the frst day of the month n whch you start payng premums agan. Premums skpped before your cover stopped are carred forward and are deducted from any clam amount. When your polcy s renstated, no extra watng perod wll apply to any partcpant. Only the orgnal watng perods wll apply f they have not expred. You can only renstate your polcy once. MAKING CHANGES TO YOUR POLICY INFORMATION What changes can I make to my polcy? You can: Add or remove a partcpant from your polcy. Change the cover level to a hgher level for a partcpant. Change the cover level to a lower level for a partcpant. Add or remove a benefcary. Some of these changes may affect your premum or your benefts or both. You can make changes to your polcy at any tme. Metropoltan must agree to the changes. To make a change, contact your fnancal advser or the Metropoltan Call Centre. CHOOSE YOUR BENEFICIARIES You should choose the person who gets the proceeds of your polcy when you pass away. Ths person s your benefcary. You can have more than one benefcary. Whle you are alve and well, choosng a benefcary may not seem to be mportant but choosng a benefcary now means that the person who wll have to pay for your funeral wll have the necessary money at the rght tme. You should revew your benefcares regularly. You can change your benefcares whenever you want. You must tell Metropoltan n wrtng who your benefcares are and you should gve Metropoltan ther contact nformaton. If Metropoltan does not have ther contact nformaton, they may not be able to fnd your benefcares to pay them. ADDITIONAL INFORMATION Can I borrow any money on my polcy? No, you cannot borrow any money on ths polcy. Can I sell my polcy for cash? You cannot sell your polcy to Metropoltan or anyone else for cash. Can I transfer my polcy? You may not transfer ths polcy to another person. For example, you cannot take out a loan or credt at a bank and use ths polcy as securty. What law apples to my polcy? South Afrcan law apples to your polcy. What currency are premums and clams pad n? Premums and clams must be pad n South Afrcan Rand. What happens f my organsaton termnates the scheme? Metropoltan or your organsaton may decde to termnate the scheme after gvng three months wrtten notce to one another. Metropoltan wll notfy you n the event that your cover wll cease. IMPORTANT You should tell someone you trust about your polcy so that when you pass away, they wll know that they must contact Metropoltan to clam the proceeds from your polcy. IMPORTANT Remember to let Metropoltan know f any of the followng changes take place: Your address. Your contact detals. Your bank detals. Your martal status. If you become dsabled. When you reach normal retrement age. When your chld reaches age 21 and s not a full-tme student. When your chld gets marred. 23

27 POLICY CONTRACT MAKING A CLAIM ON YOUR POLICY You must tell Metropoltan that you want to clam wthn sx months of the event occurrng. If you do not nform Metropoltan wthn ths sx month perod, your clam may not be pad. Metropoltan wll request documentaton. Wthout ths documentaton your clam wll not be pad. If there s an nquest, the necessary documents must be sent to Metropoltan wthn three months of the end of the nquest. INFORMATION The benefcary s the person you have chosen who wll receve the benefts under the polcy, f you are no longer alve. Only a lvng (natural) person can receve benefts. Metropoltan wll not pay a trust or a company. Clams wll be pad as follows: If you are stll alve and another partcpant des, the beneft wll be pad to you. On your death, the beneft wll be pad to the person that you have selected as the benefcary. You can select more than one benefcary. If you have not selected a benefcary or f the benefcary passes away before you do and you de, the beneft wll be pad to your current lfe partner. If nether you, your lfe partner nor your benefcares are alve, the beneft wll be pad drectly to people ncurrng costs for the funeral. An nvoce wll be requred. Metropoltan wll decde who to pay. If payment cannot be made to any of the above persons and a part of the beneft remans unpad, t s pad to your estate. IMPORTANT Delays n wndng up an estate can result n survvng famly members havng to make funeral payments themselves whch can result n hardshp for them. To avod hardshp, you should ensure that Metropoltan knows who your benefcares are and how to contact them. IF YOUR BENEFITS ARE NOT CLAIMED An unclamed beneft s when Metropoltan expects to pay a clam but s unable to do so because the benefcares cannot be traced. Metropoltan wll then nvest the unclamed beneft, as t deems approprate, untl such tme as the unclamed beneft s valdly clamed by benefcares. Any return on the nvestment wll be for the beneft of the benefcares. Metropoltan wll ncur the cost of admnsterng and nvestng the unclamed beneft. Metropoltan may also ncur the cost of tryng to locate the benefcares where the value of the unclamed beneft s suffcent to ncur ths cost. Metropoltan wll deduct these costs from the unclamed beneft. Metropoltan wll also charge a fee for managng unclamed benefts. IMPORTANT Make sure your benefcary detals are kept up-to-date, so that Metropoltan can pay your clams. 24

28 HOW TO MAINTAIN YOUR POLICY HOW TO MAKE A CLAIM Makng a funeral clam wth Metropoltan s an easy process. We are here to assst you every step of the way. If you are unsure of the process or documents requred, call us or vst your nearest Metropoltan offce and our clent servce staff wll gude you through the process. CONTACT US Contact Metropoltan on Ths s a ShareCall number. You pay for the ShareCall at the normal Telkom local call rates. INFORMATION Basc documents requred: Clam form 1170 from Metropoltan. Certfed copy of the BI 5, death certfcate, avalable from Home Affars after regsterng the death. Copy of the DHA 1663, notfcaton of death, ssued by a doctor. Copy of the clamant s ID. Bank detals of clamant and/or undertaker. Invoce, only f payment s made to the undertaker. Our requrements may change from tme to tme. IMPORTANT It s mportant to tell someone that you trust about your polcy and where t s kept to ensure that they can clam f somethng should happen to you. 25

29 CONTACT US FOR MORE INFORMATION

30 CONTACT US Consoldated Retrement Fund CONTACT DETAILS Should you have any queres or need to send us a wrtten nstructon please contact: Consoldated Retrement Fund Call Centre: E-mal: CRF@metropoltan.co.za Fund e-mal: support@crfund.co.za METROPOLITAN CONTACT DETAILS Should you have any queres or need to send us a wrtten nstructon please contact: Metropoltan Call Centre: Fax: E-mal: nfo@metropoltan.co.za Physcal address: Parc du Cap, Mspel Road, Bellvlle, 7530 Postal address: PO Box 2212, Bellvlle, 7535 Complants and Complance If you receved nadequate nformaton or unsatsfactory servce, you can complan n wrtng to Metropoltan s Complants Resoluton Offce or the complance department at: Tel: Fax: E-mal: complants@metropoltan.co.za Postal address: PO Box 2212, Bellvlle, 7535 If your complant s not resolved you may also contact: Long Term Insurance Ombudsman The Long Term Insurance Ombud asssts consumers wth complants about nsurance. The Ombud provdes a free servce to you. Tel: Fax: Share call: E-mal: nfo@ombud.co.za Postal address: Prvate Bag X45, Claremont, 7735 Partculars of FAIS Ombudsman The FAIS Ombud asssts consumers wth complants on advce or ntermedary servces. The Ombud provdes a free servce to you. Tel: Fax: Share call: (0860 FAISOM) E-mal: nfo@fasombud.co.za Postal address: PO Box 74571, Lynwood Rdge,

31 THE UNDERWRITER Ths polcy s underwrtten by MMI Group Lmted. Metropoltan s a dvson of MMI Group Lmted. MMI HOLDINGS METROPOLITAN (Correct at tme of gong to prnt)

32 Powered by Metropoltan, a dvson of MMI Lmted, an authorsed Fnancal Servces Provder. 04/2016