Zimbabwean Burial Package Terms and Conditions

Term and Conditions

IMB Zimbabwean Burial Packages

“Principal member”: A person who is below age 65 at entry, who is an account holder of IMB, who is a member of this policy, who is fully described in the schedule to this policy and who accepts the conditions, as stated herein, and the premiums indicated in the schedule to this policy. The person must have the ability to afford and pay the monthly premiums stated in the schedule. The principal member and dependents must have SA approved documentation as follows: Passport, Work/ Study permit, asylum documents. The principal member, where specified, will be a person who qualifies for the eligibility conditions, as specified in the schedule to this policy. A person over the age of 64 may not take up a new policy. The Principal member may not be younger than 18 Years old.

“Spouse”: A person who is below age 65 at entry, who is married to the principal member by law, tribal custom or under the tenets of any religion and where applicable, a relationship between two people of the same gender. The principal member may, due to a life changing incident, apply to IMB in writing to change the spouse details. The spouse, as nominated in the schedule to this policy document, shall be the only spouse covered under this definition.

“Child”: An unmarried child not older than 21 years old of the principal member including a 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 IMB 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 (two) stillbirth claims will be accepted per family during the term of the policy.

“Unmarried Children”: Are covered to below age 21 and to below age 26 years, if a full-time student. Unmarried children who are mentally retarded or totally, or 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, satisfactory proof 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 and correspondence students).

“Extended family member”: A person for whose funeral costs the principal member is financially responsible for in the event of their death and shall include: own children, adopted children, stepchildren, parents, parents-in-law, grandparents, brothers, sisters, uncles, aunts, nieces, nephews, grandchildren, additional spouses and any other person that the Principal member has an insurable interest in. Written proof of such an insurable interest might be requested at claims stage. There is a maximum joining age, as stipulated on benefit structure. Cover will be limited in accordance with the age at entry. The cover at entry will always be applicable, unless the policyholder elects to change benefits. The principal member may, due to a life-changing incident, apply in writing to IMB to change the details of the extended family members, within three (3) months of the occurrence of such an event. Any life insured may be covered on a maximum of two policies and/or for a maximum benefit of R30 000. The principal member must inform IMB, in writing, within 90 days, of the birth date of any births of immediate children, for the children to be covered under this policy. No cover will be in place if this is not done.

“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. The nominated beneficiary should not be younger than 18 years.

“Claimant”: a person or juristic person legally entitled to lodge a claim on the policy including but not limited to policyholder and nominated beneficiary.

“Repatriation”: The transportation of mortal remains from South Africa to Zimbabwe in respect of death of the principal member, spouse, dependent children and extended family members. NB: Only applicable if your policy provides this benefit and premium is paid.

“Accident”: An unlooked for, unforeseen event which could not reasonably have been expected that directly caused the death of an insured life. Accidental death excludes self-inflicted injury, suicide, a criminal act, drug abuse or alcohol abuse (where a person is deemed unfit for driving because the blood alcohol limit exceeds the prescribed limit as applicable by Law).

“Complaint”: Refers to a specific complaint relating to a financial service rendered by a financial services provider or representative to the complainant on or after the date of 30 September 2004, and in which it is alleged that IMB:

  • has contravened or failed to comply with a provision of the FAIS Act and that, as a result thereof the complainant has suffered or is likely to suffer financial prejudice or damage;
  • has willfully or negligently rendered a financial service to the complainant which has caused prejudice or damage to the complainant or which is likely to result in such prejudice or damage; or
  • has treated the complainant unfairly.

“Commencement Date/Inception Date”: refers to date of receipt of the first premium, collected from the IMB wallet of the policyholder.


Only applicable if applied for and appears on your policy schedule. NB Only applicable to the lives assured as per the product policy certificate.

  • Repatriation Benefit: This is an additional benefit that applies to this product. It provides for the transportation of the mortal remains from South Africa to Zimbabwe, in respect of death of the principal member, spouse, dependent children and extended family members.


The Principal Member may give immediate written notice of cancellation of the policy to IMB. IMB, reserves the right to cancel this policy, at any time after giving the other party 1 (one) months written notice of such intention.


  • The Waiting periods are applicable to each life assured under any one Policy and are all calculated from the Policy Commencement Date.
  • There is no waiting period if the Principal Member can provide proof of having a previous policy with another insurer for at least 31 Days before entering into a policy with IMB. The policy benefits under the previous policy must have provided cover in respect of similar risks relating to the same lives covered under the new policy with IMB. The Policyholder must provide proof that they have completed the waiting period, in respect of the previous insurance policy.
  • The Principal Member must have completed his waiting period in terms of the previous policy, if not the waiting period applied will be the balance of the waiting period from the previous insurance policy.
  • There is a 6 (six) month waiting period for claims due to natural causes, for lives below age 65 at entry unless otherwise indicated in the product information leaflet.
  • Lives with an age 65 years and above at entry will have a 9 (nine) months waiting period for claims due to natural causes for all benefits.
  • Immediate cover for accidental death on condition that the first premium is paid (refer to the definition of accident).
  • Claims will not be paid if death occurred as a result of the Principal Member, dependent’s or extended family members (where applicable) involvement in unlawful activities.
  • Death as a result of suicide is subject to a 12 month waiting period. No suicide claim shall be entertained if it occurred within this 12-month period (calculated from the policy commencement date).
  • A new waiting period, based on the entry age of a dependent, is applicable from the date insured on the policy and if the IMB requirements have been met.
  • A principal member on a policy may not be replaced. A deceased person insured on the policy may not be replaced if a claim has been submitted on that life (whether paid or declined).


IMB reserves the right to amend, revoke, vary or alter any of the terms and conditions of this policy provided that IMB shall give the Principal Member at least 30 (thirty) days written notice of such revision.


From the date that IMB receives the first premium, there is a 30-day period in which the applicant still has the option to cancel the policy. IMB will refund any premium that may have been paid. If no such written notification is received within 30 days from payment and/or deduction of premium, IMB will consider the policy taken up.


The policy, cover and waiting periods will be effective from the commencement date that appears on your policy certificate and on condition that the first premium is paid. The cover will continue as long as future premiums are paid. Cover is provided for a month and this month is defined by the date the client has nominated on the application form as the due date.


  • Premiums are payable in advance.
  • Payments must be made before or on the last day of every month for cover to be provided for the following month.
  • Premiums will be collected from the IMB wallet of the policy holder.
  • If the premium is not received within the 15-day grace period allowed, there is no cover in terms of this policy and claims may be declined.
  • PLEASE note that the grace period is only applicable from the 2nd month of cover


  • If payment of an outstanding premium is not paid within the grace period, there will be no cover for the month in which the premium was unpaid and if the premium is still not paid in the second month, then the policy will lapse from date of last premium paid.
  • The policy may be reinstated by requesting IMB in writing to reinstate the policy within 6 (six) months after the policy lapsed.
  • No arrear premium payments will be accepted. If the policy is reinstated within 2 months from Lapsed date and the waiting period has not been completed on the lapsed policy, the unexpired portion of the waiting period will be applicable


In the event of a death, the beneficiaries must contact IMB as soon as possible. IMB must be notified within six (6) months of the date of death, and the following documentation must be submitted. Documentation will only be accepted and processed provided that it is legible valid and certified copies are not older than 3 Months:

  • Original Certified copy of death certificate
  • Original Certified copy of principal member’s ID
  • Original Certified copy of deceased’s ID
  • For a disabled child, confirmation of the disability grants, copy of the medical application or medical report is required.
  • In the event of a claim in respect of a child who is over age 21 and a full-time student, a   letter of confirmation from a recognized educational institution in terms   of the Higher Education Act must be submitted.
  • Completed BI 1663/DHA 1663 will be requested.
  • A Police Declaration will be required if the cause of death is “unnatural”, “under investigation” or “accidental”
  • Proof of Address not older than 3 Months for Claimants
  • Letter of Authority will be requested in cases where Claimant is neither the nominated Beneficiary nor Principal Member.
  • 48-hour claims turnaround time provided that all the necessary documentation are received.

Failure to lodge a claim and submit documents within six (6) months after the date of death or the date of claim respectively, may invalidate your claim. Claims, in respect of dependents, will only be paid where such dependents have been nominated on the original application form.

IMB reserves the right to request any further documentation or information as it may deem necessary to accurately assess a claim.If a claim has been accepted, the cover amount will be paid to IMB Financial Service (Pty) Ltd, for the purpose of settling the expenses incurred in the process of making funeral arrangements for a deceased person, listed on the policy, in accordance with the product selected by the principle member.


It is very important to ensure that the product or transaction meets your needs and that you feel you have all the information you need before making the decision.

It is recommended that you discuss with the intermediary or insurer the possible impact of the proposed transaction on your finances, your other insurance/assurance 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 the products sold to you or advice given to you.


If you feel the representative, IMB, has not complied with the Policyholder Protection rules, FAIS Act, Long-Term Insurance Act, and or related laws, kindly contact The Compliance Officer on contact details provided below. If your complaints remain unresolved to your satisfaction, you may refer your complaint to the Ombud for Long-Term Insurance, Registrar of Long- Term Insurance, Ombud for Financial Services Providers or the Registrar of Financial Services Providers.

All complaints must be submitted in writing and faxed, e-mailed or posted to
E-mail: support@imb.co
Physical Address: IMB House, 97 Loop Street, Cape Town, 8001

  • Upon receipt of a written complaint IMB will provide written acknowledgement of receipt of the complaint within twenty-four (24) hours.
  • We will endeavour to resolve your complaint within a period of not more than ten (10) working days. From receipt of a written complaint, provided that we have received all the required documents. Should there be any delays in this, we will advise you timeously.
  • Should you not be satisfied with our final response with regard to your complaint, you may direct a written complaint to the Office of the Ombud for Financial Services Providers within the six (6) months period after receipt of our response to you.
  • The contact details for the Ombud for Financial Services Providers are as indicated below.


Compliance Officer
IMB House, 97 Loop Street, Cape Town, 8001
Tel: (+27) 87 941 3252
E-mail: support@imb.co


IMB is the product supplier authorized to render services as broker under the Long-term Insurance Act 52 of 1998. See contact details of the product supplier below:
Reg No 2008/001532/07
FSP No.: 43443
IMB House, 97 Loop Street, Cape Town, 8001
Tel: (+27) 87 941 3252
E-mail: support@imb.co


3Sixty Life is the product supplier authorized to render services as an underwriter under the Long-term Insurance Act 52 of 1998. See contact details of the product supplier below:
3Sixty Life Limited
Reg No 1935/007508/06
FSP No. 15107
P.O. Box 17181, Durbanville, 7551
Tel: (021) 970-2500     Fax: (021) 976-8276/78
E-mail: info@3sixtylife.co.za


Ombudsman for Long-Term Insurance
Private Bag X45, Claremont, 7735
Tel: (021) 657 5000   Fax: (021) 674 0951 www.ombud.co.za


Ombud for Financial Service Providers
P.O. Box 74571, Lynnwood Ridge, 0040
Tel: 0860 324 766   Fax: (012) 348-3447
E-mail: info@faisombud.co.za www.faisombud.co.za


P.O Box 35655, Menlo Park, 0102
Tel: (012) 428 8000   Fax: (021) 346 6941


P.O Box 35655, Menlo Park, 0102
Tel: (012) 428 8000   Fax: (021) 346 6941


  • The policyholder as well as IMB hereby provides authorization to 3Sixty Life to process the personal information provided for the purpose stated.
  • Withholding of or failure to disclose personal information will result in IMB being unable to perform its functions and/or provide any services or benefits they may require from them.
  • Where the policyholder shared personal information of other individuals with IMB, the policyholder hereby provides consent on their behalf to the collection, use and disclosure of their personal information in accordance with this consent provided and warrant that they are authorized to give this consent on their behalf.
  • The policyholder indemnifies and holds IMB harmless in respect of any claims by any other person on whose behalf the policyholder has consented.
  • Policyholder understands that in terms of POPI Act and other applicable legislation, there are instances where express consent is not necessary in order to permit the processing of personal information, which may be related to police investigations, litigation or when personal information is of public interest.
  • The policyholder shall not hold IMB responsible for any improper or unauthorized use of personal information that is beyond reasonable control of IMB.