Many Namibians insure their cars, homes and belongings against unexpected events such as accidents, fire or theft. Yet when it comes to one certainty in life – death – conversations are often avoided until families are faced with the reality of planning a funeral.
During an already emotional time, families frequently find themselves overwhelmed by the high cost of laying a loved one to rest with dignity. Instead of focusing on celebrating a life well lived, the pressure of covering funeral expenses can add unnecessary financial strain.
One of the most common questions families ask is: “How much does a funeral cost, and do we have enough cover?” The reality is that funeral costs in Namibia vary widely depending on cultural and religious practices, the number of mourners, transport requirements and the wishes of the deceased.
According to Sakeus Iileka, an accredited sales manager at Metropolitan Namibia, many households are not adequately prepared.
“While many Namibians do have funeral cover, a large number have not reviewed whether it is still sufficient for today’s costs. Having cover in place is a good start, but it’s important to regularly assess whether it will truly meet your family’s needs when the time comes,” he/she says.
The real cost of a funeral
In Namibia, funeral costs can range from N$20 000 to well over N$100 000, depending on the arrangements. These costs often exclude additional expenses such as catering, flowers, tombstones and family gatherings, which can significantly increase the total amount.
Caskets and cremation
The cost of a casket varies by design and material, with prices ranging from around N$1 500 to more than N$30 000. Cremation is generally a more affordable option, with costs starting from approximately N$3 000, excluding memorial services or ash-scattering arrangements.
Funeral parlour and burial costs
Funeral parlour fees typically cover the preparation and safekeeping of the body, transportation and use of a hearse. These costs can range from N$5 000 to N$40 000, with higher fees applying if long-distance transport or cross-border repatriation is required.
Municipal burial plots and grave preparation can cost an additional N$3 000 to N$6 000, depending on the location.
Catering and cultural customs
For many families, funeral arrangements also include catering and traditional practices. Livestock, tents, chairs and catering can add tens of thousands of dollars to the final cost. A single cow, for example, can cost N$12 000 or more, depending on market prices.
“Losing a loved one is difficult enough without the added burden of financial stress,” says Iileka. “Adequate funeral cover ensures that families can honour their loved ones with dignity, without having to borrow money or make rushed decisions during a time of grief.”
He/she encourages Namibians to speak to an accredited financial adviser to review their existing cover or put a suitable funeral policy in place.
“Affordable funeral cover provides peace of mind, knowing that your family will be protected and supported when they need it most,” Iileka concludes.
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