Photo: CNJerem, Wikimedia Commons, CC BY 4.0Funeral cover in Botswana
Who may sell it and what to check
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Who issues and who sells funeral cover
The policy itself comes from one of the nine licensed life insurers (list). The seller is often an agent: NBFIRA's list of insurance agents of January 2025 includes, among many others, "Apostolic Burial Fund", "Central Coffins Botswana (Pty) Ltd", "Furniture Mart (Pty) Ltd" and "Letshego Financial Services (Pty) Ltd" (NBFIRA list). NBFIRA reminds buyers that "you are insured by the Insurance Company"; brokers and agents are intermediaries (consumer education).
Insurers publish their own funeral plans: Botswana Life, for example, lists Monkgogi, Boikanyo, Mmoloki, Mosako, Lore Master, Motlamedi Premier and Masika Otlhe Extended Family Cover on its website (seen on 31 October 2026; Botswana Life). Tulinde does not rank them.
What to check before you sign
- The insurer named on the policy is on NBFIRA's list, and the person selling it is a licensed agent or broker (check an insurer).
- Ask for the summary and the policy document, and who counts as a covered family member.
- Ask for the waiting period before a natural death is covered, the grace period for a late premium and what happens if you stop paying: NBFIRA warns that policies lapse (consumer education).
After a road death: the MVA Fund
The MVA Fund pays funeral expenses of a person killed in a road crash in Botswana up to P7,500, against the claim form, the police report, the death certificate, the post-mortem report and proof of the funeral expenses; it processes such claims within 8 working hours (check list). More: the MVA Fund.
Already insured?
Next step
Frequently asked questions
Can a funeral parlour sell funeral cover in Botswana?
Only as a licensed insurance agent of a licensed insurer: NBFIRA says only licensed insurance agents may sell and service insurance policies, and its list of agents includes several funeral businesses.
How much does the MVA Fund pay for a funeral?
Up to P7,500 for a person killed in a road crash in Botswana.
What happens if I stop paying my funeral policy?
It lapses after the grace period and, depending on the policy, you may not get your money back (NBFIRA).
Sources
- NBFIRA — List of regulated entities: insurers, reinsurers, medical aid schemes, brokers and agents (Web Archive copy of 21 January 2025; nbfira.org.bw did not open on 31 October 2026)
- NBFIRA — Insurance Agents: "Only licensed insurance agents are allowed to sell and service insurance policies" (Web Archive copy of 21 January 2025)
- NBFIRA — Consumer education: insurance (licensing, lapses, disclosure, 30-day cooling-off, grace period, complaints) (Web Archive copy of 5 March 2024)
- Botswana Life — official website: products for individuals, corporates and business owners, call centre (seen 31 October 2026)
- MVA Fund Botswana — Check list: documents to lodge a claim, processing times, funeral expenses maximum P7,500
- NBFIRA — Annual Report 2023: Table 15, Appendix 4 (indicators for insurers), Appendices 6–7 and 9B–9C (lists of insurers and medical aid funds) (Web Archive copy)