As a flexible and relevant insurer, we provide a Senior Citizens cover plans for people between the ages of 65 – 85 years. The rates are as follows:

Required documentation:
– ID copy of the policy holder
– ID copy of spouse and a copy of a marriage certificate, in the case of a spouse
– Copy of birth certificates for dependents
– ID of the nominated beneficiary
– All copies of original must be certified

There is a 12 months waiting period for the product. This means the product will not cover
death that is due to natural causes if it occurs within the first 12 months from inception.
Group schemes enjoy a waiting period of 6 months
Death that is due to an accident is covered immediately after payment of the first premium.

Should United Holdings not receive any payments for a period of 12 (twelve)
consecutive months, the relevant policy will be cancelled. However, if premiums are not
received for a shorter period, there shall be a waiting period of 3 (three) months following
the settlement of all arrear premiums.

Claims are processed within 2 hours after receipt of all the necessary documentation.

Required documents to process a claims are:
– A copy of an identity document for the claimant,
– A copy of an identity document for the deceased,
– A copy of a death certificate,
– A letter confirming the presence of body from the undertaker where the body
remains of the deceased were kept.
– A copy of a marriage, in the case of a spouse.

– Free collection from anywhere in Eswatini for those 14 years and older
– Free Mortuary Services (14 days)
– 5% discount of coffin
– Expert Service
– Double pay-out on Accidental death of Principal Member.

–  We have a wide branch network for convenience
–  Easy payment method choice
– Flexible premiums payment terms, i.e. annually, bi-annually, quarterly or monthly.
– The most experienced in the Swazi market
– We have sister companies that complement service delivery

The Dignified Senior Citizen Cover Benefits

endless  love

From just E48 per month

african senior patient with female nurse

Cover for the elderly

Senior Citizens Dups Direct Insurance

Up to E10 000 Cover

Dignified Senior Citizen Cover Online Services

Download all the Dups Direct Insurance Cover Plans brochure for all the details so you can make an informed decision on your purchase.

Start Your Application Process

I am interested in the Dignified Senior Citizen Cover product

Frequently Asked Questions

View the most asked questions on our Life Assurance products below.

YES, but they have to be legally adopted. 

You get CASH and you have the option to use the services of our Funeral Home with the cash received.

YES as long as pay-out does not exceed E50 000.

Only if you have a divorce decree to prove that the relationship no longer exists.

YES, provided they are below 85 years of age when they are added. The maximum cover is E10,000.00

YES, provided you notify UNITED of this change, in writing. 

You can do this via multiple channels, physically you can come into one of our office and pay at reception or you can setup a debit order using the below details:

Bank: Standard Bank Swaziland
Account Name: Dups Direct Insurance
Account Type: Current
Account Number: 9110001930217
Branch Name Manzini Branch
Branch code: 660564

Turnaround time is 2hours from receipt of all required document, and we are striving to improve. 

Family plan covers up to 8 people. Additional children, spouses , parents and parents in law (up to 4) can be covered at an added premium. 

Suicide claims are honoured for policies that have completed 12 months and whose premiums are up to date. 

Funeral policies do not have a surrender value and therefore no compensation when a policy is cancelled.

You will need to comply with the rules of the new policy. This will include the waiting period of the new policy. During the waiting period the initial cover is applicable.

The spouse has a continuity option on that policy. 

Family plan policies provide free cover for one wife. Additional wives can be covered at an added cost. 

YES policies are paid out 100% as per level of cover at that point in time. Terms and Conditions apply

Claims are approved for payment in 2 hours if all claim documents have been received.

  • Death certificate
  • Medical certificate of cause of death
  • Confirmation of body letter (addressed to United Life Assurance, P.O. Box 114 Manzini)
  • Policy holder’s ID
  • Claimant’s ID
  • Deceased’s ID
  • Proof of relation between the deceased and the policy holder (where necessary)
  • Police report in case death is due to an accident or suicide.
  • Bank statement / proof of banking details

*All documents should be certified.

  • If premiums are not received in a shorter period, the policy will be placed in 3 months’ waiting period upon receipt of all arrear premiums.
  • If premiums are not received for a period of 12 months, the policy lapses and the client would have to restart a new policy.

Under our Family Funeral Plans, only biological, step and adopted children may be added as dependents, provided the relevant proof of relation and adoption documents are submitted.

Our clients are advised to open separate policies for parents and extended family members as this will allow access to a wider array of covers and benefits.

Yes, the payee may request a refund for any premiums paid in advance after the death of the insured.

Only the Homelink Cash Back Funeral Plan qualify for cashback, on condition that after 3 years on inception of the policy premiums have been consistently paid and no claim has been experienced on the policy.

On family funeral policies, the surviving spouse/s can take a continuing option, where the spouse/s will continue with the policy as a policy holder/s and cover dependents.

Clients are advised to swiftly contact us should they encounter any difficulty in paying premiums on time.

Our policy waiting periods are 3 months for groups, 6 months for non-groups, and 12 months for senior citizen funeral plans.

Deaths due to suicide are not payable unless the waiting period has elapsed.

Beneficiaries are free to use any mortuary service providers of their choice, claims proceeds are paid into beneficiaries’ bank accounts.

United Life Assurance offers,

  • A wide branch network across Eswatini
  • Claims are approved within 2 hours.
  • The company is 100% Eswatini owned and has made its mark in the insurance industry with a reputation of providing exceptional service to its clients.
  • Upon death of a member, the deceased benefits on the following: 5% discount on any chosen casket/coffin, free collection of the deceased’s body anywhere within Eswatini and 14 days free mortuary storage, all provided by our sister company Dups Funeral Home and Crematorium

United Holdings is an associate of the Dups Group of Companies, that took over the Dups Direct Insurance licences with the mission to uplift communities through accessible and affordable financial services.

One person may be covered multiple times, however, the total cover of one member should not exceed E50,000.00 as stipulated in the Insurance Act of 2005.

The policy holder possesses the right to change their beneficiary at any given time and as many times.

United Life Assurance pays out a double accidental benefit where the death is determined to be accidental of nature.