About LGM

South Africa's dedicated funeral policy administrator — serving families, churches, and funeral parlours with integrity and compassion.

Who We Are

Protecting South African Families Since 2018

LGM Funeral Policy Administrators was founded with a single purpose: to make dignified, affordable funeral cover accessible to every South African — from the township household to the largest church congregation.

We are a specialist funeral policy administrator and insurance distributor, fully registered with the Financial Sector Conduct Authority (FSCA). We partner with licensed South African insurers and underwriters to deliver world-class funeral policy solutions with a deeply human touch.

Our expertise spans individual funeral policies, group schemes for churches, burial societies and stokvels, as well as full white-label scheme administration for funeral parlours and undertakers — all backed by digital technology and a compassionate service team.

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Families Covered

Group Schemes

Claims Paid

24-48 hrs

Claim Payout

Our Foundation

Vision, Mission & Promise

Our Vision

To become South Africa's leading church and community-based funeral policy administrator, known for integrity, fast claims, and technology-driven service.

Market Leadership · SA-wide

Our Mission

To provide secure, affordable, accessible funeral policy solutions using digital technology and strategic insurer partnerships — serving the underserved communities of South Africa.

Digital-First · Community-Centred

Our Promise

When your loved one passes, the last thing you should worry about is money. LGM pays valid funeral claims within 24 to 48 hrs, giving your family dignity in their most difficult time.

Claims Paid in 24-48 Hours

Our Values

What We Stand For

Integrity

We operate with complete transparency. Your premiums, benefits, and claim processes are clearly communicated — no hidden surprises.

Compassion

Death is painful enough. We handle every claim, every call, and every interaction with genuine care and empathy.

Compliance

Fully FSCA registered. Every policy we administer meets South African insurance regulations and consumer protection standards.

Innovation

We use digital technology to simplify policy management, premium collection, and claims — so you can manage your cover from your phone.

Community Empowerment

We build capacity in townships and rural communities by making professional funeral insurance accessible to all income levels.

Financial Inclusion

We serve the underbanked and underserved — churches, burial societies, stokvels — bringing formal funeral cover where it's needed most.

The SA Market

Funeral Insurance in South Africa

South Africa has one of the largest funeral insurance markets in Africa, driven by strong cultural demand for dignified burials and the financial protection of families.

Funerals carry enormous social and financial significance in South African culture. With rising funeral costs, unemployment, and limited access to formal banking, the demand for affordable funeral cover continues to grow — particularly in rural and township communities.

LGM exists to fill this gap — bringing professional, FSCA-compliant funeral policy administration to the communities that need it most.

Key Market Drivers

Rising funeral costs across South Africa

Increasing unemployment and financial pressure on families

Strong cultural importance of dignified burials

Rural market expansion and digital payment systems

Church-based group scheme demand

FSCA tightening regulations for consumer protection

Growing demand for immediate, transparent claim payouts

FSCA Registered & Fully Compliant

LGM operates under the Financial Sector Conduct Authority (FSCA) and the Insurance Act. All funeral policies are underwritten by licensed South African insurers. Consumer protection, fair waiting periods, and transparent claims standards are central to everything we do.

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Our Team

The People Behind LGM

Our experienced team combines insurance expertise, technology, and a deep passion for serving South African communities.

Managing Director

Leads LGM with over 15 years of experience in the South African funeral insurance industry. Oversees all regulatory compliance, insurer partnerships, and strategic growth.

Operations Manager

Manages day-to-day policy administration, member onboarding, and scheme management across all LGM product lines.

Claims Manager

Ensures all funeral claims are processed with compassion, accuracy, and speed. Committed to the 24ÔÇô48 hour payout promise.

Business Development

Business Development Manager

Builds and maintains relationships with funeral parlours, churches, burial societies, and corporate partners across South Africa.

POPIA Compliance Statement

LGM Funeral Policy Administrators is committed to protecting your personal information in accordance with the Protection of Personal Information Act 4 of 2013 (POPIA) and all applicable South African data protection legislation. This notice explains how we collect, use, store, and protect your personal information.

1 Who We Are (Responsible Party)

LGM Funeral Policy Administrators ("LGM", "we", "us", "our") is the responsible party as defined in POPIA. We are a funeral policy administrator and insurance distributor registered with the Financial Sector Conduct Authority (FSCA).

Registered Name: LGM Funeral Policy Administrators

Address: 27 Arum Sands, Gonubie, East London, 5257, Eastern Cape

Email: info@lgmpolicies.co.za

Phone: 063 551 2247

Information Officer: LGM Compliance Department

POPIA Queries: popia@lgmpolicies.co.za

2 Personal Information We Collect

We collect the following categories of personal information when you request a quote, apply for a policy, or contact us:

Identity Information

Full name and surname
South African ID number
Date of birth and age
Gender

Contact Information

Email address
Mobile / telephone number
Residential address
Province of residence

Policy & Family Information

Beneficiary details
Spouse and dependent information
Ages and dates of birth of dependants
Policy preferences and cover amounts

Financial Information

Bank account details (for premium debit orders)
Payment history and premium records
Claims payment details

Special personal information (such as health information relevant to claims) is only collected when strictly necessary for claims assessment and with your explicit consent, as required by POPIA Section 26.

3 Why We Collect Your Information (Purpose)

LGM collects and processes your personal information only for the following lawful purposes:

Generating funeral policy quotations and processing policy applications

Verifying your identity as required by FICA (Financial Intelligence Centre Act)

Administering your funeral policy, including issuing policy documents and member cards

Collecting premiums via debit order, EFT, or retail payment systems

Processing, assessing and paying funeral insurance claims

Providing customer service, responding to enquiries and resolving complaints

Complying with legal and regulatory obligations (FSCA, POPIA, Insurance Act, FICA)

Sending you policy-related communications including renewal notices and important updates

Fraud prevention, risk management and security monitoring

We will not process your personal information for any purpose other than those listed above without your prior consent, unless required by law.

4 Legal Basis for Processing

We process your personal information on one or more of the following lawful grounds under POPIA:

Consent You have given us your express consent to process your information for a specific purpose.

Contractual Necessity Processing is necessary to fulfil our contract with you (your funeral policy).

Legal Obligation Processing is required to comply with South African law (FSCA regulations, FICA, Insurance Act).

Legitimate Interest Processing is necessary for our legitimate business interests, such as fraud prevention and security.

5 Who We Share Your Information With

LGM does not sell your personal information. We share it only with the following categories of parties, and only to the extent necessary for the stated purpose:

Third Party	Purpose	Safeguard
Licensed underwriters & insurers (e.g. Guardrisk, Old Mutual, Sanlam)	Policy underwriting and claims settlement	Formal data processing agreements in place
FSCA and other regulators	Regulatory compliance and reporting	Legal obligation under the Insurance Act
Payment service providers	Premium collection and claims payment	PCI-DSS compliant processors
Claims assessors and investigators	Verifying and processing funeral claims	Confidentiality agreements
IT service providers and system administrators	Policy administration platform hosting	Data processor agreements and security controls
Law enforcement / courts	Where required by law or court order	Only as legally compelled

6 How Long We Keep Your Information

We retain your personal information only for as long as is necessary for the purpose for which it was collected, or as required by law:

Policy records: 5 years after policy termination or expiry (Insurance Act requirement)

Claims records: 5 years after claim settlement or rejection

Quote requests: 2 years from the date the quote was generated

General correspondence: 3 years from the date of last contact

FICA / identity records: Minimum 5 years as required by FICA

After the applicable retention period, your personal information is securely destroyed or anonymised.

7 How We Protect Your Information

LGM takes the security of your personal information seriously and implements reasonable technical and organisational measures, including:

Encrypted data transmission (SSL/TLS)

Secure, access-controlled databases

Role-based staff access controls

Regular security monitoring and audits

Anonymisation of data where possible

Staff confidentiality and data handling training

In the event of a data breach that is likely to harm you, LGM will notify the Information Regulator and affected data subjects as required by POPIA Section 22 within the prescribed timeframes.

8 Your Rights Under POPIA

As a data subject, you have the following rights under the Protection of Personal Information Act:

Right of Access You may request access to the personal information LGM holds about you at any time.

Right to Correction You may request that inaccurate, incomplete or outdated personal information be corrected.

Right to Deletion You may request deletion of your personal information, subject to our legal retention obligations.

Right to Object You may object to processing of your personal information where it is based on our legitimate interests.

Right to Withdraw Consent Where processing is based on consent, you may withdraw your consent at any time without affecting prior processing.

Right to Complain You have the right to lodge a complaint with the Information Regulator of South Africa.

To exercise any of these rights, contact our Information Officer at popia@lgmpolicies.co.za or write to us at our registered address. We will respond within 30 days as required by POPIA.

9 Direct Marketing

With your consent, LGM may send you information about our products, promotions and policy updates via SMS, email, or WhatsApp. You may opt out of marketing communications at any time by:

Clicking the unsubscribe link in any marketing email
Replying "STOP" to any SMS
Contacting us directly at info@lgmpolicies.co.za or 063 551 2247

Opting out of marketing will not affect the delivery of important policy-related communications, which we are required to send you as your policy administrator.

10 Cookies & Website Usage

Our website uses session cookies strictly necessary for its operation (e.g. maintaining your quote session). We do not use third-party advertising or tracking cookies. By using our website, you consent to essential session cookies only. No personal information is collected through cookies beyond what you voluntarily provide via our forms.

11 Information Regulator of South Africa

If you are not satisfied with how LGM handles your personal information, you have the right to lodge a complaint with the South African Information Regulator:

The Information Regulator (South Africa)

inforeg@justice.gov.za

www.justice.gov.za/inforeg

010 023 5200

12 Changes to This Policy

LGM reserves the right to update this Privacy Policy at any time to reflect changes in legislation or our practices. The current version and effective date are always displayed at the top of this notice. We encourage you to review this policy periodically. Continued use of our services after any update constitutes your acceptance of the revised policy.