LET US HELP SHIELD YOUR BENEFICIARIES FROM INHERITANCE TAX AND MORE

  • QUICK REACH

    For general enquires, claims assistance or servicing needs, please contact us on:

    087 352 2800
    queries@capitallegacy.co.za

    1st Floor, Wrigley Field,
    The Campus, 57 Sloane Street,
    Bryanston, Gauteng

  • YOUR FEEDBACK

    Contact us below regarding any compliments, queries or complaints:

  • BOOK AN APPOINTMENT

    Please complete your details below in order for us to contact you and set up a time for one of our Testamentary Consultants to meet with you, at your convenience:











WHAT IS ESTATE GAP COVERTM

Mind the gap – Life cover is often too expensive to fill the void if two Spouses pass away. Introducing our new Estate Gap CoverTM that provides for unlimited fee indemnification and life cover when both Spouses pass away for a fraction of the cost of a traditional life cover. Inheritance taxes are first paid and then any surplus funds are used to help replace the loss of income from two possible spousal incomes.

WHY ESTATE GAP COVERTM

For many, the relief afforded by our tax authorities in terms of inheritance taxes on benefits payable to Spouses is lost to your beneficiaries on your Spouse’s death following your death. The problem of inheritance tax is compounded for those who are financially dependant and reliant on either or both spousals incomes for financial support.

The Estate Gap CoverTM pays a cash amount on the passing of the surviving Spouse to help fund this dire shortfall, first to meet the inevitable inheritance tax obligations and thereafter to help fund the financial needs of your remaining beneficiaries. Further to this, should the surviving Spouse pass within 12 months of each other, the applicable Indemnity Plan™ will also be automatically upgraded to an Unlimited plan.

The benefit does not require medical testing and offers a substantial benefit for a nominal premium. It is an essential tool for Spouses when planning their Estates.

PRODUCT DESCRIPTION

The Estate Gap Cover™ helps you to efficiently plan the Estates of you and your Spouse. The benefits are as follows:

  • Upon the death of the first dying, the premiums for this benefit will cease as well as the automatic annual benefit increases. Upon the passing of the surving Spouse, the benefit amount as at the time of the death of the first-dying Spouse will pay the Estate of the second-dying Spouse, less premiums that would have been payable during this period to be paid by the 2nd Estate.
  • The Executor can use these cash proceeds to pay inheritance taxes that are now applicable where the surviving Spouse had inherited from the deceased Spouse. With Capital Legacy as the Executors, we will apply this benefit via our Inheritance Tax Shield™.
  • Any surplus funds thereafter will be applied in the normal administration of the Estate and for the benefit of your beneficiaries.

Legacy Protection Plan™:
Estate Gap CoverTM Benefits
Find out how to fill the gap created by the death of the last surviving spouse, ensuring your loved ones are free from the burden of inheritance taxes and other costs.

ESTATE GAP COVERTM BENEFIT

Ensure that your loved ones fill the financial gap created on the death of the last surviving Spouse and are free from the burden of inheritance taxes and other costs.

  • Estate Gap CoverTM – Lite
  • Estate Gap CoverTM – Classic
  • Estate Gap CoverTM – Premium

THE ESTATE GAP COVER™ BENEFIT

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I find that they are a caring company! They really go out of their way to give great service, like sending their consultants across the country to see clients to do their Wills. More important is when our client passed they appoint a caring case manager and will AGAIN go and see the families / beneficiaries to assist with explaining the process, completing forms and gathering info.

Financial Advisor regarding a Consultant

I have to congratulate you on your service – my client was so impressed with you and the way you explained the product.

Financial Advisor regarding a Consultant

The client said that the appointment was most pleasant and very informative.

Financial Advisor regarding a Consultant

The client is very happy with the A-class service and advice he received. Thank you.

Financial Advisor regarding a Consultant

Thank you so much for your prompt assistance and fantastic service. I appreciate your letter. I will definitely contact you in the future.

Received from a Client

I learnt so much in my joint call with him, he is a pleasure to work with.

Financial Advisor regarding a Consultant

Thank you so much for the excellent and quick way that you have handled this matter. I really, really appreciate it.

Quote from Independent Financial Advisor, Certified Financial Planner® and surviving Husband

Keep up the brilliant work and Capital Legacy should be really lucky to have you on board as it is very hard to find good efficient customer service and the turnaround time you did this in was phenomenal. Thank you so much once again.

Received from a Client

Dear Deenisha and co. Thank you for all your help with the estate of our Father. You have made the process as bearable as possible through all your efforts.

Message attached to a bouquet of flowers and delivered to our offices from the family who had recently lost a loved one

The client is very happy with the A-class service and advice he received. Thank you.

Financial Advisor regarding a Consultant

She is so friendly and extremely knowledgeable. An absolute pleasure to deal with.

Financial Advisor regarding Service Desk

YES MAN YES!!!! Baie dankie Capital Legacy hierdie is great diens! Dankie vir julle.

Received from a Financial Advisor

    I find that they are a caring company! They really go out of their way to give great service, like sending their consultants across the country to see clients to do their Wills. More important is when our client passed they appoint a caring case manager and will AGAIN go and see the families / beneficiaries to assist with explaining the process, completing forms and gathering info.

    Financial Advisor regarding a Consultant

    Financial Advisor regarding a Consultant

    I have to congratulate you on your service – my client was so impressed with you and the way you explained the product.

    Financial Advisor regarding a Consultant

    Financial Advisor regarding a Consultant

    The client said that the appointment was most pleasant and very informative.

    Financial Advisor regarding a Consultant

    Financial Advisor regarding a Consultant

    The client is very happy with the A-class service and advice he received. Thank you.

    Financial Advisor regarding a Consultant

    Financial Advisor regarding a Consultant

    Thank you so much for your prompt assistance and fantastic service. I appreciate your letter. I will definitely contact you in the future.

    Received from a Client

    Received from a Client

    I learnt so much in my joint call with him, he is a pleasure to work with.

    Financial Advisor regarding a Consultant

    Financial Advisor regarding a Consultant

    Thank you so much for the excellent and quick way that you have handled this matter. I really, really appreciate it.

    Quote from Independent Financial Advisor, Certified Financial Planner® and surviving Husband

    Quote from Independent Financial Advisor, Certified Financial Planner® and surviving Husband

    Keep up the brilliant work and Capital Legacy should be really lucky to have you on board as it is very hard to find good efficient customer service and the turnaround time you did this in was phenomenal. Thank you so much once again.

    Received from a Client

    Received from a Client

    Dear Deenisha and co. Thank you for all your help with the estate of our Father. You have made the process as bearable as possible through all your efforts.

    Message attached to a bouquet of flowers and delivered to our offices from the family who had recently lost a loved one

    Message attached to a bouquet of flowers and delivered to our offices from the family who had recently lost a loved one

    The client is very happy with the A-class service and advice he received. Thank you.

    Financial Advisor regarding a Consultant

    Financial Advisor regarding a Consultant

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CONTACT US

  • QUICK REACH

    For general enquires, claims assistance or servicing needs, please contact us on:

    087 352 2800
    queries@capitallegacy.co.za

    1st Floor, Wrigley Field,
    The Campus, 57 Sloane Street,
    Bryanston, Gauteng

  • YOUR FEEDBACK

    Contact us below regarding any compliments, queries or complaints:

  • BOOK AN APPOINTMENT

    Please complete your details below in order for us to contact you and set up a time for one of our Testamentary Consultants to meet with you, at your convenience:











FIND BRANCHES CLOSER TO YOU

  • Bloemfontein

    087 352 2800
    Office 2, Preller Centre, Graaf Reinet St, Dan Pienaar, Bloemfontein

    Port Elizabeth

    041 581 1061
    250 Main Road, Walmer, Port Elizabeth

    Nelspruit

    087 352 2800
    Cnr of Van Der Merwe and Ferreira Street, Nelspruit

    Potchefstroom

    087 352 2800
    Block C, Totius Park, 77 Totius Street, Potchefstroom

    Polokwane

    087 352 2800
    11 Pierre Street, IT Park, Bendor, Polokwane