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.
Capital Legacy crosses

Your will is important, so is planning for the costs of dying. Here's why:

Persona why arrow
Meet persona
Persona squiggles


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.


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.

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

Tap here for more information

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.

Circle and arrow

Affordable premiums for any age, with BIG benefits

Circle and arrow

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

Circle and arrow

Includes cash benefits to plug gaps that your other policies cannot

Persona why arrow

For as little as R 97.40 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

Do beneficiaries of a will have any rights?

Yes. The beneficiary(ies) as stipulated in a will have many and various rights. With regards to the process of estate administration, a beneficiary may enquire of an executor or directly from the Master of the High Court’s office as to the progress of the winding up of the estate. With regards to their inheritance, a beneficiary may renounce an inheritance. However, when a beneficiary renounces their inheritance, they renounce their entire inheritance. They cannot renounce just one item/aspect of the inheritance. When joint assets are bequeathed to two or more beneficiaries, the onus is generally on the beneficiaries to amicably distribute the relevant assets in equal share or value. If your query is more specified than what has been addressed here, we recommend that you seek the advice of a will specialist. *For the purposes of answering this question the term beneficiary(ies) refers to heir(s) and legatee(s) as well as the beneficiary(ies) of a trust.

How does accelerator payment affect MyCover™?

MyAbility Cover™ forms a part of your total MyCover™ value. If you claim against your MyAbility Cover™ benefit it will automatically reduce your total MyCover™ value by the amount that you have claimed. Once you have claimed against your MyAbility Cover™ benefit, you cannot top up your cover to the original value.

What is estate administration?

Estate Administration is the process whereby a person’s assets are either redeemed/transferred and their debts paid. The balance of their assets are then transferred to the Beneficiaries of the person’s Estate – either in terms of a Will or Intestate (where there is no will).

What is the standard fee for an executor of a will?

The Administration of Estates Act prescribes a tariff equal to 3.5%, excl. VAT, of the gross value of the estate as the executor’s remuneration or fee. However, the executor may also claim 6%, excl. VAT, on all income collected by the executor on behalf of the estate, until the estate has been finalised.

Do I pay Executor’s fees on MyCover™?

No. Because MyCover™ is an extender benefit of the Legacy Protection Plan™, all your executor fees are indemnified regardless of who the nominated beneficiary is. If your life cover from another provider pays to an individual, it wouldn’t attract executor’s fees. However, life cover from other providers that pay to your estate or a trust will attract executor’s fees which can be charged at 3.5% plus VAT.

Why is it important to have a will? What is the purpose of a will?

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. One of our consultants can meet with you to provide guidance and draft your will at no cost. Questions related to this question:What happens to the part of my estate that my children stand to inherit, if I have no will?What happens if parents die without a will?Who inherits if I have no will?

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!
Don't procrastinate!
Get your will
sorted today.