Gadziriro/Lungiselelo Funeral Plan


Gadziriro/Lungiselelo Funeral Plan is a renewable product which pays a lump-sum in Zimbabwean Dollars on the death of the covered member or beneficiaries. Policyholders may increase their sum assured on a quarterly basis in line with the official inflation rate or within limits set by Zimnat.

The Product also has optional riders (vigil and tombstone) which come at an additional premium.


  • It’s an inflation proof and renewable funeral cash plan which pays a lump-sum in Zimdollar on the death of the covered member
  • Principal member, spouse, children, parents and extended family members can be covered.
  • Product also has optional riders (vigil and tombstone) which come at an additional premium
  • No waiting period when upgrading to Gadziriro/Lungiselelo Funeral Plan
  • No waiting period when increasing sum assured
  • Covid-19 related deaths are covered by Gadziriro/Lungiselelo Funeral Plan
  • Existing policy holders can migrate with dependents on their existing policy even if dependents are above 75 years.


  • Principal Member
  • Spouse
  • Children
  • Parents
  • Parents in law
  • Extended family members


  • The maximum entry age  is 65 years for the main member, spouse and extended family members
  • 75 years for parents and parents in law


  • Children will be covered up to the age of 23 years.
  • A maximum of 4 children can be covered on a single policy.
  • Children will be covered for the same amount as the main member, subject to regulatory cover limits which may apply at younger ages.
  • Children above 23 years will have a separate policy


  • No waiting period for accidental death.
  • No waiting period for existing customers who are upgrading to Gadziriro/Lungiselelo
  • 3 Months waiting period for new customers


  • Premiums are paid monthly via standing order deduction
  • Someone can take over payment of premiums in the event of the premium payer passing on


  • As a consequence of war, invasion, act of foreign enemy, hostilities or war like operations (whether war has been declared or not), mutiny, riot, civil commotion, civil war, rebellion, insurrections, conspiracy siege.
  • As a result of suicide (whether sane or insane) during the first 24 calendar months from the date of commencement or reinstatement.

To Find Out More

To find out more contact any of our branches for information on our insurance products. Alternatively please complete the enquiry form and we will be in touch.

 All First Capital Bank insurance is underwritten by Zimnat.

Fill .in your details below and a First Capital Bank representative will contact you with further details.