Submit a funeral claim in minutes. Not weeks.
Upload your documents. We handle the rest. Fraud-checked, FICA-compliant, and reviewed by a qualified human advisor — your claim reaches your insurer within 1–2 hours of your documents being complete.
94%
first-time approval rate
Not an accident — we get the claim right before it leaves us.
The Result
94% first-time approval. Not an accident.
94% of claims submitted through this platform are approved on the first submission. That figure is the result of knowing what each insurer requires before submission, checking every document before it leaves the platform, and having a human advisor review the complete package.
Most claim rejections happen because documents were wrong, missing, or incorrectly packaged — not because the claim was invalid. This platform eliminates that failure mode by generating a personalised document checklist before upload, running every document through fraud and FICA checks, and routing every claim through a human reviewer before it reaches the insurer.
How It Works
Four steps. Most complete within two hours.
Start your claim
Web portal or WhatsApp +27 60 014 5992
State your insurer, your policy number, and the basic claim details. Consent to POPIA. Choose your update preference.
Receive your personalised checklist
Before you upload anything
SAM tells you exactly which documents your specific insurer requires. No guessing. No uploading the wrong thing. A checklist generated for your exact claim.
Document processing and human review
Fraud check · FICA compliance · human advisor sign-off
Deterministic fraud screening. FICA compliance check. Qualified human advisor reviews the full package before submission. If anything needs correction, you are contacted immediately.
Submission and tracking
Confirmation + reference number + tracking link
Claim submitted to your insurer via the correct channel. Confirmation sent immediately. Track at insureloansa.co.za/claims/track.
How We Protect Claims
Fraud detection that works. Without rejecting valid claims.
Fraud detection
Mathematical checks for image manipulation, document consistency, and cross-claim patterns. The system never automatically declines a claim based on fraud signals. Every flagged claim goes to a human reviewer with a full explanation. People make the determination.
FICA compliance
Every claim is processed under FICA requirements — KYC checks, fraud screening, document authentication. Built as a core part of how every claim is processed — not a checkbox.
Human review
A qualified human advisor reviews every claim package before it is submitted to the insurer. If anything needs correction, the claimant is contacted immediately with specific, actionable instructions.
Data protection
Every document is stored in a private, access-controlled environment. Every document access is logged. Data stored in South Africa. POPIA compliant. Your sensitive documents are not accessible to anyone not authorised to review your claim.
Any South African funeral policy. Reviewed by a human. Submitted correctly.
No requirement to have purchased your policy through InsureLoansA. Any South African insurer. Any funeral policy.
Operated by InsureLoansA (Pty) Ltd · FICA-governed claims process · POPIA compliant · FSP application in preparation
Written and maintained by
Wandile Lokwe
Founder and CEO, CenturionAI & InsureLoans
15 years in senior leadership across insurance, banking, and logistics before founding CenturionAI. Held the FAIS Key Individual licence and managed FSCA-regulated products. Every CenturionAI product is grounded in problems Wandile encountered directly in the field.
Frequently Asked Questions
Common questions
Get in touch
Talk to Wandile directly
No sales team. No automated responses. Every enquiry goes directly to Wandile Lokwe. Describe your problem and you will get a direct answer about whether CenturionAI can solve it.