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Natu

brought to you by: Metropolitan Group Schemes

Affordable products for members of:

Metropolitan is an authorised Financial Services Provider

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Do you know what a funeral can cost you?

• Burial costs – up to R20 000– Basic fee, coffin, mortuary, funeral service, grave

costs, etc.

• Other– Flowers – Traveling to and from the funeral– Accommodation of guests– Hiring of tents, chairs– Catering– Obituaries– Pamphlets in church, etc.

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Have you made provision for these costs?

How to solve the problem

• Become a member of this scheme

• You need to be younger than 65 at your age next birthday

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Metropolitan Group Schemes offers you:

• Family Funeral Plan

• Parent Funeral Plan

• Extended Family Funeral Plan

• Investment Plans

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DreamBuilder Standalone Family Funeral Plans

Member & children Family

Member & life partner

Member only

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Funeral cover

• Family

– Covers the member, Life Partner and dependent children

– Cover level varies from R5 000 up to R30 000

• Member and children

– Covers the member and children

– Cover level varies from R5 000 up to R30 000

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Funeral cover

• Member and Life Partner

– Covers the member and Life Partner

– Cover level varies from R5 000 up to R30 000

• Member-only

– Covers only the member

– Cover level varies from R5 000 up to R30 000

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Premium rates

Cover levels

Member only Member and children

18-45 >46-50 >50 18-45 >46-50 >50

5 000 11.70 15.60 32.50 14.30 19.10 34.80

7 500 17.60 23.40 48.75 21.45 28.65 52.20

10 000 23.40 31.20 65.00 28.60 38.20 69.60

15 000 35.10 46.80 97.50 42.90 57.30 104.40

20 000 46.80 62.40 130.00 57.20 76.40 139.20

30 000 70.20 93.60 195.00 85.80 114.60 208.80

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Premium rates

Cover levels

Member and Life partner Family

18-45 >46-50 >50 18-45 >46-50 >50

5 000 24.00 29.00 61.00 26.60 32.40 63.50

7 500 36.00 43.50 91.50 39.90 48.60 95.30

10 000 48.00 58.00 122.00 53.20 64.80 127.00

15 000 72.00 87.00 183.00 79.80 97.20 190.50

20 000 96.00 116.00 244.00 106.40 129.60 254.00

30 000 144.00 174.00 366.00 159.60 194.40 381.00

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Cover levels

Cover levels for member

and life partner

Cover levels for children

Older than 14 but younger

than 21

Older than 6 but younger

than 14

Younger than 6 (incl. stillborn

babies)

5 000 5 000 2 500 1 250

7 500 5 000 3 750 1 875

10 000 5 000 5 000 2 500

15 000 7 500 7 500 3 750

20 000 10 000 10 000 5 000

30 000 15 000 15 000 7 500

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Standalone Parent Funeral Plan

Maximum cover level – R30 000

Cover 4 parentsOwn parents and/or parents-in-law

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Parent Funeral Plan

• Cover your own parents and parents-in-law - maximum of 4 parents

• Cover level varies from R1 000 up to R30 000

• 3-Months waiting period

• Parents need to be younger than 85 years age next birthday

• Can be taken as a standalone plan

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Premium rates and cover levels

Premium per parent younger

than 75 years

Premium per parent older than 75 years, but younger than 85 years

Cover levels

Premium Cover levels

Premium Cover levels

Premium Cover levels

Premium

1 000 16.90 10 000 169.00 1 000 36.00 10 000 359.00

2 000 33.80 12 500 211.25 2 000 72.00 12 500 449.00

3 000 50.70 15 000 253.50 3 000 108.00 15 000 539.00

4 000 67.60 17 500 295.75 4 000 144.00 17 500 629.00

5 000 84.50 20 000 338.00 5 000 180.00 20 000 718.00

7 500 126.75 30 000 507.00 7 500 269.00 30 000 1 078.00

Parents need to be younger than 85 years age next birthdayat entry or upgrade of cover

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Standalone Extended Family Funeral Plan

Cover up to 9 relatives

Aunts, uncles, cousins, nieces, brother-in-law, etc.

Maximum cover level R30 000

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Extended Family Funeral Plan

• Covers up to 9 extended family memberse.g. aunts, uncles, grandparents, cousins

• Cover level varies from R3 000 up to R30 000

• 6-Months waiting period

• Extended family members need to be younger than 85 years age next birthday

• Can be taken as a standalone plan

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Premium rates

Sum assured

14 or younger

15-21 22-30 31-45 46-60 61-75 76 to 85 years

3 000 9.00 14.70 22.80 27.90 34.80 67.20 153.00

5 000 15.00 24.50 38.00 46.50 58.00 112.00 255.00

7 500 22.50 36.75 57.00 69.75 87.00 168.00 383.00

10 000 30.00 49.00 76.00 93.00 116.00 224.00 511.00

12 500 37.50 61.25 95.00 116.25 145.00 280.00 639.00

15 000 45.00 73.50 114.00 139.50 174.00 336.00 766.00

17 500 52.50 85.75 133.00 162.75 203.00 392.00 894.00

20 000 60.00 98.00 152.00 186.00 232.00 448.00 1 022.00

30 000 90.00 147.00 228.00 279.00 348.00 672.00 1 533.00

Extended family members need to be younger than 85 years age next birthday at entry or upgrade of cover

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Cover levels

Cover levels Age next birthday of relative

Older than 14 Older than 6 but younger

than 14

Younger than 6

3 000 3 000 1 500 750

5 000 5 000 2 500 1 250

7 500 7 500 3 750 1 875

10 000 10 000 5 000 2 500

12 500 12 500 6 250 3 125

15 000 15 000 7 500 3 750

17 500 17 500 8 750 4 375

20 000 20 000 10 000 5 000

30 000 30 000 15 000 7 500

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Benefits included in the funeral plans

• Paid-up benefits at the main member's

– Death, Disability or Retirement

– No more premiums will be payable for the rest of the participants if a Paid-up policy is issued

– Paid-up benefits at retirement will be calculated according to a sliding scale

• Accident benefits (double your cover) for the members, spouse and children older than 14 at the accidental death of the participant

• Continuation benefit: cover continues if you are no longer a member of the scheme

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• Funeral Services Benefits

• Provides funds for costs after the burial at the funeral, i.e.

• Hiring of tents, chairs, equipment at the funeral

• Providing for a ceremonial tombstone

• Catering on the day of the funeral

• Funeral clothes, etc.

• Member only: cover varies from R5 000 up to R30 000

• Life Partner: cover varies from R5 000 up to R10 000

Optional Benefits

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Premium rates and cover levels

Member only Life partner

Cover levels

Premium Cover levels

Premium

5 000 8.75 5 000 8.75

10 000 17.50 10 000 17.50

15 000 26.25

20 000 35.00

30 000 52.50

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• Automatic Inflation Management (AIM) Benefit

• Allows cover level to keep track with inflation

• Choose 6% premium increase and 4.2% cover increase or 10% premium increase and 7% cover increase

• Cover level increases annually on policy anniversary

Optional Benefits

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DreamBuilder Investment Plans

Pension Plan

Education Plan

Cash Plan

Savings Plan

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DreamBuilder Savings Plan

• Product need: to create a culture of saving for a specific goal, i.e. deposit on a small car, house, business, vacation, etc.

• Minimum premium: R85 pm for a 15-year term

• Optional supplementary benefits: – Automatic Inflation Management

(AIM)– Premium waiver at death / at death

and disability of life 2– Premium waiver at disability of life 1

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DreamBuilder Education Plan

• Product need: provide funds for educational purposes, i.e. school fees, extramural classes, college, university, etc.

• Minimum premium: R160 pm for a 15-year term

• Optional supplementary benefits:– Automatic Inflation Management

(AIM)– Premium waiver at death / at death

and disability of life 2• Cash withdrawals after five years

– one withdrawal allowed per year

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DreamBuilder Cash Plan

• Product need: to provide cash for i.e.

house renovations, carpeting, purchasing a computer, etc.

• Minimum premium: R160 pm for a 15-year term

• Optional supplementary benefits:– Automatic Inflation Management (AIM)– Premium waiver at death / at death and

disability of life 2– Premium waiver at disability of life 1

• Cash withdrawals after five years – one withdrawal allowed per year

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DreamBuilder Pension Plan • Product need: provides pension

at retirement• Minimum premium: R90 pm for

a 15-year term• Optional supplementary

benefit:– Automatic Inflation Management

(AIM)

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Can you afford to lose out on these benefits?

• Affordable premiums

• Variety of benefits to choose from

• You do not have to undergo medical testing

• We have a wide network of offices where you can claim

• Specialised consultants to assist you to make your choice

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provides affordable products

for all your needs!

Metropolitan Group Schemes