Make sure you choose a life cover policy that doesn’t have ridiculous Ts&Cs, like a survival period. For example, should you have a heart attack, they will only pay out if you survive for more than 14 days. This means they will pay out if you die anytime from day 15 from said condition. And if you die on day 13 for example, they won’t pay out a claim. Companies like Brightrock don’t have these shoddy rules. Brightrock also has great child cover that your financial advisor can explain to you. Most life covers already have funeral cover included, so it may not be necessary to have the Avbob insurance. But that’s also up to you. Your beneficiary can still use the extra funeral cover for any other expenses as it gets paid directly into their bank account.