Funeral policy administration, from the first quote to the final claim

Products

Products configured exactly as you sell them

Create as many funeral plans as you need. Each has its own cover amount and base monthly premium, optional premiums for a spouse, each child and each extended-family member, and its own waiting, grace and reinstatement terms.

• Separate waiting periods for natural and accidental death
• A grace period in days and a reinstatement window in months
• Individual plans, and group plans for burial societies
• Prices and terms lock once a plan has policies, so existing cover never changes underneath anyone

Quote and enrolment

Policyholders apply on their phones, without calling your office

Applicants see each plan's cover and monthly premium, choose the family members to include and watch the premium add up. They create an account with a validated South African ID number, give their address and, where you ask for them, bank details and a debit day.

• The policy is issued at once, with its own number, in its waiting period
• Policyholders then name the people they cover, add beneficiaries with their shares and upload their ID
• Staff can enrol a policyholder directly, and agents can submit enrolments for approval

Burial Desk records the bank details and debit-order authorisation an applicant gives. It does not run debit orders: you collect through your own bank and record what was collected.

Premiums

Premiums matched from your bank statement

Import your bank statement and Burial Desk suggests the policy each payment belongs to, by the policy number in the reference or by the premium and the payer's name. Confirm the matches one at a time or all at once, and lines already imported are flagged so nothing is counted twice.

• Record EFT, cash and debit-order payments against each policy
• Online card and instant EFT payments through your own PayFast merchant account, recorded once PayFast confirms them
• Arrears and next due dates kept current for every policy

Claims

Claims adjudicated against the policy, every time

A claim records who died, the date and the cause of death, and is checked when it is filed: the waiting period for that cause, the policy's status, and any pending claim for the same person. Documents are attached to the claim, and nothing is approved without a death certificate.

• Every decision recorded with notes, and a reason for every rejection
• A claim's status moves only through the system's own steps, never edited by hand
• With Claims Management Pro: approval thresholds by claim value, bulk adjudication, and payout runs exported as one payment file for your bank