How INSURELOANSA works
Whether you need insurance cover or need to submit a funeral claim — our process is designed to be fast, clear, and fully compliant with South African financial regulation.
How to get a quote
- 1
Tell us about yourself
Complete a short questionnaire about the type of cover you need, your age, income, and cover preferences. This takes under two minutes and is completely free and non-binding.
- 2
Receive your indicative quote
Based on your inputs, we match your needs against available products from licensed insurers. You will see indicative premium ranges and cover amounts.
All quotes shown are indicative only. Final premium and cover terms are confirmed after a full needs analysis.
- 3
An advisor contacts you
A FAIS-accredited advisor will contact you to complete a full needs analysis as required under the FAIS Act. This ensures the recommended product is truly appropriate for your situation.
- 4
Application and documentation
Once you have agreed on the right product, the advisor will guide you through the application process and advise on the documents required by the insurer.
- 5
Policy confirmation
After the insurer approves your application, you will receive your policy documentation. Your advisor remains your point of contact for any questions.
How to submit and track a claim
- 1
Submit your claim online
Complete the online claim form with details about the deceased, the policy, and the beneficiary. Our form is designed to be clear and guided — you do not need to know insurance jargon.
- 2
Upload supporting documents
You will be guided on exactly which documents are needed for your specific claim type. Upload them directly on the platform — we accept PDF, JPG, PNG, and DOCX files up to 20MB each.
Typical funeral claim documents: death certificate, ID document of beneficiary, bank statement, and policy document.
- 3
AI-powered validation
Our AI checks your submitted documents for completeness and quality, flags any issues early, and alerts your advisor. This dramatically reduces back-and-forth with insurers.
- 4
Submission to insurer
Once your documents pass validation, your claim is submitted to the insurer. Your advisor monitors the case throughout and escalates if needed.
- 5
Track in real time
Use the Track a Claim feature to follow your claim status at any time — from initial submission through to insurer decision and payout confirmation.
Common questions
- Is the quote process free and non-binding?
- Yes. Getting a quote through INSURELOANSA is completely free and does not commit you to any purchase. A FAIS-compliant needs analysis will be completed before any recommendation is finalised.
- Which insurer will my policy be with?
- INSURELOANSA works with licensed insurers in South Africa. The most suitable insurer will be recommended based on your needs analysis and the products available. This will be explained clearly by your advisor before any application is submitted.
- How long does a funeral claim take to process?
- Processing times depend on the insurer and the completeness of your documentation. Our AI-powered system aims to reduce unnecessary delays by ensuring claims are submitted correctly the first time. Your advisor will keep you updated throughout.
- What documents do I need for a funeral claim?
- Typically: a certified death certificate, a copy of the beneficiary's ID document, a recent bank statement, and the original policy document. Our platform will guide you on the specific requirements for your claim.
- Is INSURELOANSA regulated?
- Yes. INSURELOANSA is a licensed Financial Services Provider (FSP) regulated by the Financial Sector Conduct Authority (FSCA) under the Financial Advisory and Intermediary Services (FAIS) Act, 37 of 2002.
Ready to get started?
Get a quote or submit a claim — it takes minutes and a qualified advisor guides every step.
INSURELOANSA is a licensed Financial Services Provider. All quotes are indicative and do not constitute financial advice. A qualified advisor will conduct a full needs analysis before any recommendation is made. Claims processing times depend on insurer response and document completeness.