Natural Causes:

  • 7 Calendar months
  • Children under 14 years of age: 2 calendar months waiting period applies for natural causes.


Unnatural Causes:

  • 2 Calendar months.



  • Suicide waiting period of 25 Calendar months is only applicable to the main member.



It is important to update your policy regularly. Please contact us to change your personal details or add or remove dependants. Please take note that all amendments will be processed according to a standard 30 day amendment notice period.
Please email us on to receive the Amendment Form.
The Finance Turtle will advice soonest regarding the approval of the amendments. Please note with all amendments the applicable waiting period will apply for the policy.



Should death occur, the family should contact The Finance Turtle’s Claims Department immediately on

A claim form should be obtained and completed and a certified copy of the death certificate attached. Your claim will receive priority attention to ensure a swift settlement.

The following documents should be attached to a valid claim:

  • Completed Claim Form obtained from Finance Turtle
  • Certified copy of the ID document of the main member
  • Certified copy of ID document of the deceased
  • Certified copy of the death certificate
  • Certified copy of the BI 1663
  • Bank details of the beneficiary

Once required documents have been received from family member/ beneficiary, Finance Turtle will submit to KGA Life. Your claim will receive priority attention to ensure a swift settlement


Payment of Claims
An Electronic Banking Facility enables KGA to attend to claims within 24 hours. KGA Life makes payments from a Standard bank account and should a transfer be made to any other bank the amount will not be available immediately to member.


It is important to take note of the following:

  • Only claims submitted within three (3) months of the date of death will be considered for payment.
  • Failure to pay your monthly membership fees timeously will result in cancellation of your policy in terms of Section 52 of the Long Term Insurance Act. No claims will be paid out in respects of cancelled policies.
  • Claims for common-laws not declared will not be considered for payment in the event of death.
  • No claims in respect of grandchildren or foster children will be considered, unless proof of legal adoption has been supplied.



The Finance Turtle Group is a registered company in the Republic of South Africa.

The Finance Turtle Group is a juristic representative of the underwriter KGA LIFE LIMITED a registered insurer and authorised financial services provider with FSP NO 15980 in it capacity in providing funeral cover.

Compliant with the Consumer Protection Act No. 68 of 2008

Contact Us

Office:   074 123 8235
Fax: 086 444 7177
Address: Farm on R45
Trading Hours: Monday to Friday
    08:00 - 16:00

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