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 happens to my house if I die without a will?

Regardless of whether you have a will or not, your estate will still need to be administered upon your passing away and therefore will be in the control of an executor. However, when you pass away without having drawn up a valid will, your assets will be distributed to your heirs based on the Intestate Succession Act no 81 of 1987. Therefore, if your house is portioned into a few inheritances then the executor of your estate has the authority to sell it and distribute the proceeds to the various heirs or he/she may sell it in order to cover the taxes and fees due, should there be little liquidity in your estate. However, your descendants may decide amongst themselves how to distribute their joint inheritance. If they decide to co-own the house, the house will be transferred into all their names.

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.


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.


What does an executor of a will have to do?

An executor of a will is responsible for making sure that all the legal aspects of the will are actioned. The executor is legally liable and accountable to the Master of the High Court but may issue power of attorney to various administration service providers to complete various tasks, in the estate administration process. Functions of the executor broadly stated include:Having power of attorneyTaking control of the estate assetsSecuring firearms and ammunition in safekeepingPlacing notices in terms of Section 29Opening an estate cheque accountSubmitting Section 27 inventory, if so requiredSubmitting Income Tax return for the deceasedFinalising valuationsSubmitting the Liquidation and Distribution Account (L&D) to the Master of the High Court, within six months from the issuing of the Letters of ExecutorshipPlanning the liquidationConsidering the claims against the estatePaying liabilitiesDistributing inheritancesSubmitting Estate Duty ReturnFinalising accounts


Do you pay Capital Gains Tax on a deceased estate?

The executor of an 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 annual income for the financial year in which an individual passes away. SARS will then assess the calculation and documentation submitted and will confirm the amount of Capital Gain Tax payable by the estate.


What is a will ?

Your will is probably the most important document you’ll ever sign. A will, which is more commonly known as a last will and testament, is a legal document that stipulates how and to whom your assets (for example your property/ies, cars, jewellery, investments etc.), should be distributed when you die. Your will would include detail of your last wishes, such as whether you want to be buried or cremated and who you wish to be your children’s guardian, should you pass away while they are still young. A person writes a will while still alive and its instructions are only carried out once the individual dies. A will also names a person as the executor of the estate, and that person is responsible for administering the estate. It is important that you make sure your will complies with the Wills Act to ensure it is valid. The principle of freedom of testation is one of the cornerstones of the law of succession in South Africa. This principle allows the testator or testatrix to distribute their assets to whomever they wish. There are, however, laws that determine how a deceased estate is administered (distributed) when someone dies intestate, which is without a will. When you have a valid will, you provide guidance on how your estate should be administered, once all the relevant legislation such as the Children’s Act and Maintenance of Surviving Spouse have been considered.   Documenting your last and final wishes in your will allows you to exercise your freedom of testation, regardless of how complex or simple your familial relations and financial obligations may be. Too many people put off this important task until it's too late, which can have devastating consequences for your loved ones.

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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