The role of funeral policies in alleviating economic and social pressures in African societies

Abstract

Funerals are culturally significant across the continent, often entailing substantial financial costs many families cannot easily bear. This study explores the role of funeral insurance in alleviating financial and social pressures related to burial practices in African countries. The research employs desktop research, analysing secondary data from government reports, academic literature, insurance industry publications, case studies, and media articles. Thematic analysis was applied to identify key themes such as financial alleviation, societal pressures, and migration’s influence on burial customs. Findings indicate that funeral insurance provides crucial financial support, particularly for families in urban areas and migrant workers, by covering burial-related expenses and ensuring adherence to cultural practices. However, the study also highlights the role of societal expectations, which often encourage lavish funerals, leading to overspending despite the intention of financial relief. Additionally, migration has significantly impacted funeral practices, with many individuals wishing to be buried in their rural hometowns despite the logistical challenges and costs involved. The study concludes that while funeral insurance is essential in mitigating financial strain, it must be complemented by efforts to shift societal attitudes towards simpler, more sustainable funeral practices. The research recommends improving the affordability and accessibility of funeral insurance, fostering financial literacy, developing culturally relevant insurance products, and addressing the social pressures associated with extravagant funerals. Future research should explore regional variations, alternative financial mechanisms, and longitudinal trends further to understand the dynamics of funeral insurance in Africa.