There are no second chances when it comes to having the right life cover

It need not be daunting… You can get sufficient quality life cover with us. It's transparent and easily-tailored to suit your needs - and pocket!

How much is it?
Our life cover puts your beneficiaries first
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Life cover is important,
and here's why:

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Meet persona
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Meet Mandy.

Mandy's mother always made sure her children were provided for, and knew the risks early enough to take out a sturdy life policy.


Mandy lost her mother at 16 - fortunately with the proceeds from her mom's life insurance, she and her sisters were able to settle debts and continue to live their life.

And now...

Mandy is always told she is just like her mom, and just like her mom she took out a MyCover™ life policy with us for less than R 400 per month to make sure her family is protected like she was.

Why do your life cover with Capital Legacy?

Because our life insurance
puts your beneficiaries first

The Cover

The Cover

It's smart to opt for a comprehensive cover that includes illness and impairment, creates a trust for your children, and lasts your whole life without any executor or trustee fees.

The Premiums

The Premiums

Our insurance plans offer fair pricing with sustainable premium increases below the industry average and flexible options for premium payment.

The Process

The Process

With the convenience of choosing to work with us directly or through your advisor, no need for medical testing in most cases, and the added benefit of getting your will done quickly and easily, our services provide a hassle-free solution.

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Over 9 000 financial advisors
already choose us to help their clients

Did you know…

Capital Legacy was the first to bring a life cover that automatically creates a trust for your children with no costs attached for it.

A happy family with life cover
Did you know particles

Get an idea of what your life insurance costs

Our quality life insurance ensures that neither you or your beneficiaries are left short-changed.
Use the below to slide left or right and see how much our cover may cost you.

Your life insurance need

Optional disability cover

Life Cover Phone Calculator

*Based on a 41-year-old
male non-smoker.

Subject to terms and conditions.
All quotes are subject to medicals.

Tap here for more information

Use life cover the way you want

While we can’t promise that you’ll live forever...

Our flexible life cover keeps you ahead of the game - and with more benefits: comparably better rates, a plan that can seamlessly integrate with your will and estate, a hassle-free solution that ensures that your life cover is used the way you intended, and much more.

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Up to R 15 000 000 life cover

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Easy application process

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Impairment and critical illness cover

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You can lean on one of our friendly life cover specialists to get the right deal, quickly & easily

MyCover™ options

Choose an option that suits you and your pocket

With Protected Cover

With More Benefit

With Less Premium

With Cash Back

With Protected Cover

A non-accelerated option which means, if you had to claim on your disability cover, the benefit for your life cover will not be affected.

With More Benefit

Increase your life cover amount at cost price.

With Less Premium

Get a significant monthly premium discount

With Cash Back

Receive up to 12 months’ premiums back in cash, every 5 years.

Frequently asked questions

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.

Can adopted children, stepchildren and illegitimate children inherit?

No, they do not qualify as heirs in terms of an Islamic will. However, they can be allocated a bequest (Wassiyah) in an Islamic will, provided that it does not exceed one-third of the value of the estate. Alternatively, they can be nominated as beneficiaries of the MyCover™ extender on the Tazkiya™ Family Takaful. It is important to remember though, that an illegitimate child will inherit from his/her biological mother.

What are the 3 types of testamentary trusts?

In the realm of estate planning in South Africa, testamentary trusts play a crucial role in safeguarding the financial security and well-being of beneficiaries. These trusts are established according to a person’s last will and testament and come into effect upon their passing, providing a framework for the management and distribution of assets. Below is an overview of the different types of testamentary trusts.Children’s trustA children’s trust, as the name suggests, is specifically designed to provide for minor children or dependents who may not be capable of managing their inheritance independently. This type of testamentary trust allows the testator to appoint a trustee who will oversee the management and distribution of assets on behalf of the children until they reach a specified age or milestone outlined in the will.The trustee is responsible for managing the assets in the best interest of the beneficiaries. The assets held within the trust can be used to cover the children’s education expenses, health-care needs, maintenance costs, and any other essential requirements. By establishing a children’s trust, the testator ensures that the children’s financial future is secure.Widow’s trustA widow’s trust is designed to provide financial support and security to the surviving spouse after the testator’s death. By creating a widow’s trust, the testator can ensure that their spouse is adequately taken care of.The widow’s trust is typically structured to provide the surviving spouse with regular income or distributions from the trust’s assets, while preserving the principal amount for the ultimate beneficiaries, such as children. The testator can specify the terms and conditions for the distribution of assets within the trust, ensuring that the surviving spouse’s needs are met without compromising the long-term financial stability of the other beneficiaries.Provider’s trustA provider’s trust focusses on ensuring the financial well-being of a dependent individual, such as a disabled family member or a loved one with special needs upon the testator’s passing. This testamentary trust is specifically designed to provide ongoing financial support and care for such a beneficiary, taking into account their unique requirements.By creating a provider’s trust, the testator ensures that their loved one will receive the necessary financial support, which will be managed by a trustee who understands the beneficiary’s specific needs.Choosing the right testamentary trust will offer invaluable benefits and peace of mind in estate planning, particularly when it comes to providing for vulnerable beneficiaries. With these unique testamentary trust options for estate planning available – children’s, widow’s or provider’s trusts – the individual needs of your loved ones will be addressed even if you are no longer here.There are many types of trusts for asset management after death. However, when it comes to the individual requirements of minors, surviving spouses and dependents with special needs, you have access to unique testamentary trust options for estate planning.Not sure where to start? Contact Capital Legacy today to not only get your will drafted for free, but also to have the testamentary trust types explained by one of our expert consultants. 

What is the maximum entry age for MyCover™?

Our maximum entry age for MyCover™ is 59 years old.

How does BeneFactor™ work?

Through BeneFactor™ there are three different ways to structure your life cover: You can opt to secure more life insurance cover at cost. What this means is that based on your personal demographic and health profile we can secure cover for you at a cheaper rate which results in you benefitting from a high life insurance cover, at an industry-comparative premium. Considering our ability to secure cover for you at a cheaper rate based on your demographic and health profile, you can opt to take just enough cover at a cheaper premium, ensuring you still provide for your loved ones with an option that suits your financial position the best. The third option is to secure life cover that is marginally more than you would have secured and receive cash back every five (5) years, that is equivalent to approximately one year’s premiums.

Does my SA will cover my UK assets?

Yes, a worldwide will works very well if you live in South Africa but have assets in a country with similar heirship laws to our own, such as the UK. Like South Africa, the UK has freedom of testation. It’s important to have appropriate wills drafted to suitably protect your estate and heirs. You can either have multiple wills for each jurisdiction that you have assets in, or you can draft a worldwide will to cover assets in different countries that have the same inheritance laws as SA. While certain countries follow the same rights of inheritance that South Africa recognises, there are others that are vastly different. However, a worldwide will or an offshore will can protect your estate if you’re intending to relocate or if you’re thinking of buying property abroad.

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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Get your will
sorted today.