It’s not an easy conversation, but death happens to us all.

Life is busy but your will is one of the most important documents you'll ever draft and all we need is an hour of your time.

Family of 2 kids, husband and wife. Draft your will today.
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Your will is important, so is planning for the costs of dying. Here's why:

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Meet persona
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Meet Mark.

Mark is one of only 30% of South Africans who got his will in place in order to protect his family if he’s no longer around.

However...

Mark never thought about the fees his executor & trustees will charge, leaving his estate and beneficiaries with much less than he hoped for.

The Solution!

For as little as R 135 per month, our Legacy Protection Plan™ solves this and many other problems, should you pass away.

Don't be like Mark and leave problems when you want to leave a legacy!

Why do your will with Capital Legacy?

Because whichever way you look at it, we have the solution all under one roof

The Will

The Will

With access to a specialist consultant, free collection and safe-keeping, and unlimited amendments at no cost, our services provide an easy and stress-free way to secure your will.

Your Beneficiaries

Your Beneficiaries

Our services offer the option to create a trust for your loved ones, especially those with disabilities, and provide a personal estate consultant to guide you through the process.

Your Estate

Your Estate

Our services provide the flexibility of choosing any executor, the assurance of established in-house professionals administering the process, and the option of covering costs up to 100% upfront.

Your Trusts

Your Trusts

We will take care of all the trusts required by your will to ensure your beneficiaries are protected and get the most of their inheritance.

Did you know…

Capital Legacy was the first to bring out an insurance policy integrated with your will that pays for the fees and costs when you pass away. It's called the Legacy Protection Plan™ and has revolutionised the industry, helping more than 300 000 South Africans since we launched in 2012.

Insurance policy integrated with your will for your beneficiaries
Did you know particles

Calculate your cost of dying

No hidden agendas with us... There are costs but NOT for the will itself, rather the executor & trustee fees should you choose to appoint us. We have a solution for these fees but first, let's quickly help you estimate these.

How much is your estate worth?

What is the value of your properties?

Do you have kids younger than 18? *

Cost of Dying Phone Calculator

We recommend our LPP™ to cover your fees of and costs of from only


per month *
Swipe right for breakdown

*Based on a 37-year-old
male non-smoker.

Subject to terms and conditions.
All quotes are subject to medicals.
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We recommend our LPP™
to cover your fees and costs of
from only pm*

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Provide funding for your family to cover your estate legal costs

Why do I need the Legacy Protection Plan™?

This policy is the most cost effective way to provide funding to cover your estate legal costs. It can also prevent massive delays in administering your estate, saving your family trauma and at worst financial ruin.

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Affordable premiums for any age, with BIG benefits

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Has no cease-age and covers you for your entire life

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Includes cash benefits to plug gaps that your other policies cannot

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For as little as R 105.87 pm

Integrated benefits

With the Legacy Protection Plan™

Immediate Liquidity™

Estate Overheads Protector™

Estate Gap Cover™

Immediate Liquidity™

When you pass away, your family could have limited access to money. Ensure there is money available to cater for things such as funeral expenses, travel arrangements, groceries and other immediate expenses. This benefit pays within 48 hours giving rapid relief to your loved ones.

Estate Overheads Protector™

Estates take time to wrap up and there are costs that can become an additional burden to your family. This benefit is available in cash to the executor of the Estate, to help them pay for the costs relating to the Estate, such as Master's fees, correspondence fees, property clearance and advertising costs.

Estate Gap Cover™

If both you and your spouse should pass away, it can be a financial shock to your beneficiaries. It’s often too expensive to cover the costs associated with both spouses passing away simultaneously. Through this benefit, you can provide for inheritance taxes and other additional legal costs as well as the loss of monthly income.

Frequently asked questions

What are the duties of an executor of an estate?

The main duties of the Executor of an Estate are:Taking control, protecting and transferring of the deceased assets as per the last will and testament or as per the Intestate Succession Act;Taking care of all the legislative requirements;Paying all debts and administration expenses;Ensuring that the final Income Tax returns are lodged and all taxes are dealt with; andDistribution of the final balances in the estate. The whole administration process is supervised and validated by the Master of the High Court, who also performs a judicial function. In other words, deals with any objection lodged against the Liquidation and Distribution Account or any contestation made against a will.

What happens if I do not have an Islamic will?

If you do not have an Islamic will, Islamic law will not be applied when your estate is administered, and your Islamic heirs will potentially be at a disadvantage in terms of the inheritance they ought to have received. The laws of South Africa that govern the distribution process are not in line with Islamic law.


What is accidental (implied or tacit) revocation concerning wills?

The simplest method of revoking a will is by validly executing a further will or codicil. A clear way of doing this is by including a revocation clause in the later will. An example is: “I revoke all former wills and testamentary dispositions and declare this to be my last will and testament”. This simple clause will revoke all previous wills and codicils. But this clause might present problems when acquiring foreign assets in countries that do not have testamentary freedom. Testamentary freedom, as we have in South Africa, simply means that the testator may leave his estate to whomever he wants to. In some countries, for example France, the principle of forced heirship applies. Under the laws of forced heirship children are prioritised above spouses. Why should this be a problem? Well, let us assume that a South African buys a property in France. He then draws up another last will and testament to leave the property in France and his properties in South Africa to his wife. But the property in France might end up going to his children, because of France’s laws of forced heirship which prioritise children above spouses. How could this happen? Simply because the last will and testament is subjected to the laws of the country where the asset is situated. That part of the testator’s will is thus accidentally revoked.


Do you pay capital gains tax on deceased estates?

The executor of the estate is required to disclose and submit the Capital Gains Tax calculation together with proof of documentation to the South African Revenue Services (SARS) as part of the deceased individual’s annual income for the financial year in which they passed away. SARS will then assess the calculation and documentation submitted and then confirm the amount of Capital Gains Tax that is payable by the estate.


Do you have to open an estate account when someone dies

Yes, if the deceased has any assets (at least R 1 000) which need to be administered then as per the Administration of Estates Act 66 of 1965, an Estate Late bank account will need to be opened.


How do I claim from a deceased estate?

A claim against a deceased estate refers to a creditor laying a claim for outstanding debt against the deceased estate. According to South African regulation a creditor has two opportunities to lodge their claim. The executor will place ads in the Government Gazette and the local newspaper of the deceased’s residential address. These ads are placed at the date of death and when the L&D is ready for inspection (by anyone) in the Master of the High Court’s office. The L&D will be available for inspection for 21 days.

Not to brag, but we're kinda good at what we do.

Don't take our word for it though...

The painful process of winding up my late dad’s estate has been made efficient and pleasant. I recommend Capital Legacy based on their representation, vast competencies, follow-through abilities and general customer service. The staff members are empathetic and efficient, taking a personal interest in the client.
One of the customer care agents contacted me to remedy a frustration that I had been experiencing. Not only was he professional and prompt, but he was so charming and friendly that I ended the call laughing and having a better day. Thanks!
Thank you so much for your excellent service. I truly appreciate your assistance. It’s such a pleasure to receive good service, especially this time of the year.It was a blessing to have someone calling me and extending a friendly, patient and helping hand.

May you be blessed for your kind demeanor.
I was assisted by a customer care agent at Capital Legacy. He was extremely helpful and super friendly. The best service I’ve received in years. He was understanding and helped me with my problem, which put a smile on my face.

Extremely professional! Thank you for being amazing.
Our consultation took place at the office in JHB. We were warmly welcomed at reception and offered refreshments, and then ushered to the boardroom. We were assisted by Capital Legacy staff. Their service was excellent. Well done!
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