Real-time premium calculator using LGM's 2026 rate card. See exactly what you pay — no surprises.
Premium is calculated live using LGM's 2026 Rate Card. All prices are indicative and valid for 30 days.
Enter your date of birth and select a cover amount to see your premium
Request a customised scheme quote for your church, funeral parlour, burial society or organisation.
Group schemes attract significantly lower rates per member than individual policies.
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.
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).
We collect the following categories of personal information when you request a quote, apply for a policy, or contact us:
LGM collects and processes your personal information only for the following lawful purposes:
We will not process your personal information for any purpose other than those listed above without your prior consent, unless required by law.
We process your personal information on one or more of the following lawful grounds under POPIA:
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 |
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:
After the applicable retention period, your personal information is securely destroyed or anonymised.
LGM takes the security of your personal information seriously and implements reasonable technical and organisational measures, including:
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.
As a data subject, you have the following rights under the Protection of Personal Information Act:
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:
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.
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.
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:
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.