BENEFITS (APPLY TO IMMEDIATE FAMILY ONLY)
Bronze Plan
Silver Plan
Silver Plus
Plan
Gold Plan
BENEFITS INCLUDED WITH NO ADDITIONAL CHARGE.
PAID ON DEATH OF THE PRINCIPAL MEMBER
YES
YES
YES
DOUBLE ACCIDENTAL DEATH BENEFIT
YES
YES
YES
YES
R 250
R 350
R 450
R 650
CASH PAYBACK IF NO CLAIM AFTER EVERY THREE YEAR PERIOD
YES
BENEFITS INCLUDED AS OPTIONAL BENEFITS TO ALL THE SIMANAWE FAMILY PLANS (CHARGED SEPARATELY)
REPATRIATION BENEFIT
R 2.50
R 2.50
R 2.50
R 2.50
SURVIVAL BENEFIT (PAY OUT R15,000 DIVIDED BY 12 MONTHS)
R 37.50
R 37.50
R 37.50
R 37.50
MEMORIAL BENEFIT (PAY OUT R10,000)
R 45.00
R 45.00
R 45.00
R 45.00
TERMS AND CONDITIONS FOR THE SIMANAWE FRIENDSHIP CIRCLE FUNERAL PRODUCTS
● Principal member must be below age 65 at inception of
REPATRIATION BENEFIT
this policy and have the ability to afford and pay the monthly
premiums for the plan as stated on the schedule. The principal
member must be a permanent resident of South Africa and accept
the conditions as stated herein and the premiums indicated in the
schedule. Policy will commence on the date of the first premium is
received and/or honored and the policy will continue as long as the
future premiums are honored.
The Repatriation Benefit provides repatriation of mortal remains, of
any life covered under this policy, from place of death within
South Africa to anywhere within South Africa, if event occurs
outside the normal residence of area to which the burial is to be
conducted. The benefit is not transferable to cash. This is an
optional benefit.
● Spouse: A person married to the Principal member by law,
MEMORIAL BENEFIT
Tribal Custom or under the Tenets of any Asian Religion and shall
include a Common Law Spouse and where applicable, a
relationship between two people of the same gender. The Principal
Member may, due to a Life changing incident apply to NESS in
writing to change the spouse details within one month of such
changes.
●Child:
an unmarried child of the Principal Member including
posthumous child, stepchild, child of any common law spouse of
the principal member, illegitimate or legally adopted child,
providing that proof of any child is submitted to NESS and
acceptance acknowledged by the Underwriter. A child who is
stillborn shall be covered for funeral benefits if the death occurred
after the 26th week of pregnancy. Only 2 stillbirths’ claims will be
accepted per family during the term of the policy.
●Unmarried children: are covered to below age 22 and to
below age 26 years if a full-time student. Unmarried children who
are mentally retarded or totally and permanently disabled prior to
age 22, who are unable to care for themselves are covered to
death, cessation age of the principal member or withdrawal (In
both instances, proof satisfactory to the underwriter of the
condition of disablement or confirmation of full-time study must be
submitted at claim stage. This does not include part-time
correspondence students).
●Extended family member: A person on which the
policyholder has financial responsibility towards his/her funeral
costs in the event of his/her death and shall include but not limited
to, parents, parents in law, grandparent, uncles, aunts, brothers,
sisters, nephews, nieces, grandchildren and own children above 21
years. There is a maximum joining age of 84 on this cover and
benefit will be limited in accordance to age of the extended at
entry. The benefit will not decrease due to age i.e cover at entry
will always be applicable unless policyholder elects to change
benefits. The policyholder may, due to a life changing incident
apply to NESS Consulting in writing to change the details of the
extended family members within three months of the occurrence of
such event. The extended may not be covered with a benefit higher
than that of the main member.
REVISION OF TERMS AND CONDITIONS
NESS reserves the right to amend, revoke, vary or alter any of the
terms and conditions of this policy, and giving all its members a 30
days notice period.
CANCELLATIONS
The policyholder as well as NESS, reserves the right to cancel this
policy at any time after giving the other party 3 (Three) months
written notice of such intention.
DOUBLE ACCIDENTAL DEATH
Accidental Death Benefit will be applicable on death as a result of
accident. The benefit will result in payment of double the sum
assured in respect of immediate family lives above 5 years of age
on death. This benefit will not be applicable to death as a result of
self-inflected injuries and those inflected by the beneficiary.
This benefit will pay a lump-sum amount of R 10,000 on the first
anniversary of the date of death of either the principal member or
the spouse. This is an optional benefit.
WAITING PERIODS:
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P.O Box 45007, Claremont, 7735
In the event of duplication of cover, the underwriter will not be
liable for any accumulation of benefit on any one life covered,
which exceeds R20,000 in respect of those below 75 and
R10,000 in respect of those above 74. NESS reserve the right
to review the NESS reserves the right to review the premium
rate in line with inflation, market and Actual claims experience
of the business and in general on the Scheme Anniversary date.
Contact Cell No: 0763582693
CLAIMS PROCEDURE
In the event of a death, the beneficiaries must contact
SIMANAWE as soon as possible to arrange the provision of a
funeral service. All deaths where SIMANAWE is not arranging the
Funeral must be notified to SIMANAWE within 6 (six) months of the
date of death with the following documentation:
Certified death certificate
ID document of the Deceased (must be Stamped DECEASED)
ID document of the claimant
Removal order
For a disabled child, confirmation of the Disability Grant, copy of
the Medical application or Medical report is required.
Failure to do so within the first 6 (Six) month period from date of
death, could result in the benefit being forfeited.
Claims, in respect of dependants, will only be paid where such
dependants have been nominated on the original application form.
The underwriter and / or NESS reserves the right to request any
further documentation or information as it may seem necessary to
accurately assess a claim.
EXAMINATION PERIOD
The beneficiary is the person fully described in the schedule to this
policy who has been elected by the principal member to receive the
benefits or direct the usage of the benefits claimed as a result of
death of the principal member.
SURRENDER VALUES
IMPORTANT WARNING
There are no surrender values attached to this Policy. Benefits
under this Policy may not be ceded or pledged in any way. No
Loans will be granted against this policy.
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CASH BACK BENEFITS
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
This benefit provides for those policies that have been continuously
active for a minimum of three years and have not as yet lodged a
successful claim on the policy. The cash back benefit will be paid at
the end of every three year of no claim period in each policy.

SURVIVOR BENEFIT
The Survivor Benefit entails that upon the death of the principal
member an amount of R 1,250 for 12 (twelve) months will be paid
out to the surviving immediate family members. This is an optional
benefit.

DETAILS OF OMBUDSMAN
Ombudsman for Long Term Insurance
There is a 6 (six) months waiting period for claims due to
natural causes in respect of all lives below 65 years at entry
and benefits of R12,000 and below. A further 3 (Three) months
waiting period will be applicable for those benefits in excess of
R12,000 in respect of deaths due to natural causes. There is a
9 (nine) months waiting period for claims due to natural causes
in respect of all lives above 74 years at entry.
Where a higher benefit is selected than in a previous plan, a 6
(Six) month waiting period will apply to the increased amount.
Where premium payment are missed then resumed, the
applicable waiting period will apply from date payment date
payment of premiums is resumed.
Suicide will not be covered during the first 2 (two) years of
membership.
Each Principal Member must complete an application form
electing his / her dependants.
From the date that NESS receives the first premium, there is a 30
day period in which the applicant still has an option to cancel the
policy. Ness must be notified in writing to have the policy cancelled
and any premiums that may have been paid or deducted,
refunded. If no such notification is received within 30 (thirty) days
from payment and/or deduction of the premium, in writing, Ness
will consider the policy taken up
BENEFICIARIES
NESS is an authorised financial service provider to render services
and act as an intermediary in the Long-Term insurance categories
1A and B, and Short–Term insurance category 1, Personal lines
and Commercial lines, amongst others.
NESS is an independent administrator with written mandates from
New Era Life Insurance, Sanlam and Lion of Africa Life Insurance.
It has no interest in any of the Insurers. NESS earns an average
administrative fee of 10% and an average brokerage for marketing
fee of 10% of premium. Collection fees of an average of R5 per
policy is also included in the premium.
It is very important that you are quite sure that the product or
transaction meets your needs and that you feel you have all the
information you need before making a decision.
It is recommended that you discuss with the intermediary or
insurer the possible impact of the proposed transaction on your
finances, your other policies or your broader investment
portfolio. You should ask for information about the flexibility of
any proposed policy.
Where paper forms are required, it is advisable to sign them
only once they are fully completed. Feel free to make notes
regarding verbal information, and to ask for written
confirmation or copies of documents.
Remember that you may contact either the long-term insurance
Ombudsman or the registrar of long-term insurance, whose
details are set out below, if you have any concerns regarding a
product sold to you or advice given to you.
Tel No.: (012) 674 - 0330
Fax No.: (012) 674 - 0951
http://www.ombud.co.za
DETAILS OF COMPLIANCE OFFICER
Lentle & Associates CC.
CO 4155 - FSB Approved Compliance Practice
Contact Tel No: (011) 339-7647
E-mail address: [email protected]
DETAILS OF ADMINISTRATOR
NESS Consulting (Pty) Ltd FSP No.: 22576
Reg No.: 2005 / 020315 / 07
3rd Floor UCS Building, 209 Smit Street,
Braamfontein, Johannesburg, 2001
P.O Box 61647, MARSHALLTOWN, 2107
KEY INDIVIDUALS OF NESS CONSULTING:
Tel: (011) 339 – 7647 Fax: 086 683 1414
http://www.nessgroup.co.za
DETAILS OF THE UNDERWRITER
This product is underwritten by the following
underwriters, please nominate one
New Era Life Insurance
Tel: (011) 783 9500
Fax: (011) 783 9900
Sanlam
Tel: (011) 359 7991
Fax: (086) 694 4160
Lion of Africa Life Assurance
Tel: (021) 685 0214
Fax: (021) 685 0218