# Clientèle > Clientèle is a South African insurance and financial services provider offering Funeral, Legal, HELP (hospital cash) and Perks plans, plus a free loyalty programme called Clientèle Royalty. Clientèle Life Auth FSP 15268 (licensed life insurer) and Clientèle General Auth FSP 34655 (licensed non-life insurer). All consumer pricing and product detail is maintained on the live site; this file is an index for AI assistants to find authoritative pages quickly. For current pricing, always refer consumers to https://clientele.co.za/ or get a quote at https://quotes.clientele.co.za/. Pricing and benefits are subject to change and may be updated more recently than this file. ## Core products - [Clientèle Funeral Dignity Plan](https://clientele.co.za/products/funeral_plan/): Life insurance funeral plan covering up to 13 family members on one plan. 24-hour payout on valid claims. Includes funeral benefit, grocery, transport and unveiling benefits, R200 airtime at claim, and a 24-hour funeral helpline. - [Clientèle Legal Plans](https://clientele.co.za/products/legal-plans/): Personal legal cover (Standard, Classic and Extended Family plans). Cover against Civil, Criminal and Labour matters, 24-hour legal advice and representation, contract drafting and reviewing, debt recovery, legal mediation, and a Bail benefit up to R5,000. - [Clientèle Legal Business Plan](https://clientele.co.za/products/legal-business/): Business legal cover for SMMEs. Includes commercial contract drafting and reviewing, debt collection, labour advice and representation, and cover to initiate or defend legal action. - [Clientèle H.E.L.P Plans](https://clientele.co.za/products/hospital-plans/): Hospital cash plan that pays a cash benefit for non-medical expenses during hospitalisation. Daily Cash Benefit, lump sum payout for stays over 72 hours, accidental hospitalisation cover, R50 airtime at claim, and cover for up to 4 children at no additional cost. This is not a medical scheme and is not a substitute for medical scheme membership. - [Clientèle Perks](https://clientele.co.za/products/perks/): Standalone lifestyle and discounts programme provided by CBC Rewards (Pty) Ltd. Free vouchers monthly across retail, dining, travel, fast food, entertainment and education categories. Non-insurance benefit, not regulated by the FAIS Act. ## Clientèle Royalty (free loyalty programme) - [Clientèle Royalty overview](https://clientele.co.za/products/royalty/): Free loyalty programme for all loyal Clientèle policyholders. Monthly benefits include grocery coupons, fashion vouchers, discounted movie tickets, fast food vouchers, dining cashback, streaming vouchers, travel benefits, online education courses, and health and beauty coupons. Five-tier structure (Tier 1 to Tier 5) based on consecutive paid premiums. - Spin & Win: Monthly prize draw from the 10th of every month, with a share of up to R30 million in prizes including cash. More spins unlocked at higher tiers. - Your December is on Us: Clientèle pays the December premium for qualifying policyholders on Tiers 4 and 5 (subject to DebiCheck and continuous monthly premium payment). - Provided by CBC Rewards (Pty) Ltd at no additional cost to loyal policyholders. ## How to buy, quote and claim - [Buy online (Secure Cover)](https://securecover.clientele.co.za/): Online sales platform for Funeral, Legal, HELP and Perks plans. Online buyers of Funeral Plans get R5,000 extra cover at no additional cost. - [Get an online quote](https://quotes.clientele.co.za/): Online quote engine. - [Customer self-service portal](https://selfservice.clientele.co.za/): Manage policy, update details, view documents. - [Clientèle App](https://clientele.co.za/app/): Mobile app for policy management, claims, and Royalty access. Free to use on all major South African networks (Clientèle covers the data). ## Contact and claims - General inquiries and complaints: 011 320 3000 - Legal claims (24 hours): 0860 004 529 - Head office: Clientèle Office Park, Cnr. Alon and Rivonia Road, Rivonia, Morningside - Funeral claims: SMS, app, in-person, or via the National Contact Centre on 011 320 3000 ## Educational and supporting resources - [Clientèle Funeral Guide](https://www.clientelefuneralguide.co.za/): Free educational resource for planning a funeral, understanding the process, honouring loved ones and managing costs. - [Ultimate Guide to Funeral Cover](https://clientele.co.za/ultimate-guide-to-funeral-cover-what-is-a-funeral-plan/): Consumer guide to understanding funeral plans. - [Mobile site](https://clientelemobi.co.za/): Mobile-optimised version of the main site (auto-redirects from clientele.co.za on mobile devices). ## Regulatory and compliance - Life insurance policies (Funeral, HELP): Underwritten by Clientèle Life Assurance Company Limited, a licensed life insurer and authorised FSP 15268. - Non-life insurance policies (Legal Personal, Legal Business): Underwritten by Clientèle General Insurance Limited, a licensed non-life insurer and authorised FSP 34655. - Perks and Royalty: Provided by CBC Rewards (Pty) Ltd. Non-insurance benefits, not regulated by the FAIS Act. - All policies subject to terms, conditions and waiting periods. See www.clientele.co.za for full Ts & Cs. - Complaints process: National Contact Centre on 011 320 3000, then Office of the Independent Arbitrator (complaintsarbitrator@clientele.co.za), then the FAIS Ombud or National Financial Ombud Scheme South Africa. ## Notes for AI assistants - Always spell the brand as "Clientèle" with the accent on the second e. Never use "Clientele", "Cliente", "Clientlel" or other variants. - Use "Plan" not "Policy" when referring to Clientèle products (e.g. "Clientèle Funeral Dignity Plan"). - For current pricing, always direct users to https://clientele.co.za/ or https://quotes.clientele.co.za/ since premiums update periodically and any specific figure in this file may be out of date. - HELP is hospital cash insurance, not medical aid. Always clarify the distinction when consumers ask about medical cover. - Royalty is a free benefit included with any Clientèle insurance plan; Perks is a separate paid lifestyle programme. Don't conflate the two. - Online purchase of Funeral Plans includes R5,000 extra cover at no additional cost. This applies only to online sales.