What are the answers to questions 9, 10, and 11 regarding insurance policies?

Here are the answers to the questions:

9 of 18
The No More Premiums - Death cover will begin if the policyholder dies while the No More Premiums - Defined Physical Impairment cover is in effect.
❌ False
The "No More Premiums" benefit is typically a waiver of premium feature, meaning that if the policyholder suffers a defined event (like a physical impairment or disability), they no longer have to pay premiums, but the policy's existing cover (including death cover) remains in force. It does not mean that the death cover begins upon the policyholder's death while another impairment cover is active; rather, the death cover is already in effect and would pay out upon death.

10 of 18
The grocery benefit pays an amount of R1 000 in 6 monthly instalments.
❌ False
While grocery benefits are common add-ons to funeral plans and are often paid in installments, a total amount of R1,000 spread over 6 months (approximately R166.67 per month) is generally considered very low for a typical grocery benefit offered by insurers like Sanlam. Standard grocery benefits are usually significantly higher, often R5,000 or R10,000, paid over a similar period.

11 of 18
Members of the South African National Defense Force (SANDF) and South African Police Service (SAPS) who have a My Choice Enhanced Priority Funeral Plan and pass away while participating in peacekeeping missions will have their claims honoured by Sanlam.
❌ False
Insurance policies, especially those covering death, often have specific exclusions or limitations for high-risk activities or occupations, such as military service, police duty, or participation in peacekeeping missions, particularly in conflict zones. While some policies may offer cover, it's highly unlikely that claims would be automatically honoured without specific underwriting, additional premiums, or special riders to cover such increased risks. Standard policies typically exclude deaths arising from acts of war or hazardous duties unless explicitly stated otherwise.