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YOUR#1 PROVIDER OF WILLS AND ESTATES

HELPING GOVERNMENT EMPLOYEES

LEAVE A LASTING LEGACY.

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KEYPLAN™ COVERS UP TO R1.8 MILLION FROM AS LITTLE AS R 113.53/PM.

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KEYPLAN™

COVER THE UNEXPECTED COSTS OF DYING INCLUDING LEGAL FEES, INHERITANCE TAXES, CASH FOR IMMEDIATE EXPENSES & MONTHLY BILLS, PLUS THE OPTION OF COVERING THE COSTS OF YOUR CHILDREN’S EDUCATION & THE DEATH OF A PARENT.
THERE ARE OVER 1.3 MILLION GOVERNMENT EMPLOYEES IN SOUTH AFRICA. NEARLY 75% DO NOT HAVE A LAST WILL & TESTAMENT IN PLACE.

Along with the heartache of death comes a variety of additional burdens in the form of legal fees and expenses which have to be taken care of by your loved ones. Understanding these legal fees and expenses can help you prepare for them and ensure that these costs are covered and the burden on your loved ones is alleviated.

We believe in educating all South Africans on the importance of having a valid Last Will and Testament in place and we have made it easy and accessible for everyone to do so.

KEYPLAN™

COVER THE UNEXPECTED COSTS OF DYING INCLUDING LEGAL FEES, INHERITANCE TAXES, CASH FOR IMMEDIATE EXPENSES & MONTHLY BILLS, PLUS THE OPTION OF COVERING THE COSTS OF YOUR CHILDREN’S EDUCATION & THE DEATH OF A PARENT.
THERE ARE OVER 2.1 MILLION GOVERNMENT EMPLOYEES IN SOUTH AFRICA. NEARLY 75% DO NOT HAVE A LAST WILL & TESTAMENT IN PLACE.

Along with the heartache of death comes a variety of additional burdens in the form of legal fees and expenses which have to be taken care of by your loved ones. Understanding these legal fees and expenses can help you prepare for them and ensure that these costs are covered and the burden on your loved ones is alleviated.

We believe in educating all South Africans on the importance of having a valid Last Will and Testament in place and we have made it easy and accessible for everyone to do so.

HOW DOES IT WORK?

KEYPLAN™ COVERS UP TO R1.8 MILLION FROM AS LITTLE AS R 113.53 PER MONTH.

WE WILL DRAFT YOUR WILL, TO WHICH YOU MAY MAKE AS MANY AMENDMENTS AS YOU NEED, AND WE WILL KEEP YOUR WILL IN SAFEKEEPING UNTIL YOU NEED IT, AT NO COST.

WHY SHOULD YOU CONSIDER KEYPLAN™?

Should you pass away, as a Keyplan™ holder, you will have the following benefits:

LEGAL FEE COVERAGE

Covers the cost of Executor’s, Testamentary Trust and Conveyance Attorney fees.

ESTATE OVERHEADS PROTECTOR™

Once off lump sum cash benefit that pays to the Estate to cover external fees such as Master’s fees, advertising costs and property clearances.

IMMEDIATE LIQUIDITY™

Immediate Cash Benefit to cater for funeral expenses, travel arrangements, groceries and other immediate expenses.

ESTATE GAP COVER™

This Benefit pays for inheritance taxes and any additional trust fees when both Spouses pass away.

THREE KEYPLAN™ OPTIONS TO CHOOSE FROM

BRONZE

from only R113.53 per month

Legal Fee Coverage:

R270 400

Estate Overheads Protector™:

R5 408

Immediate Cash Benefit:

R32 448

Immediate Cash Benefit (Spouse):

R0

Immediate Cash Benefit (Child):

R0

Estate Gap Cover™:

R0

SILVER

from only R172.52 per month

Legal Fee Coverage:

R540 800

Estate Overheads Protector™:

R5 408

Immediate Cash Benefit:

R108 160

Immediate Cash Benefit (Spouse):

R0

Immediate Cash Benefit (Child):

R0

Estate Gap Cover™:

R0

GOLD

from only R219.27 per month

Legal Fee Coverage:

R1 081 600

Estate Overheads Protector™:

R5 408

Immediate Cash Benefit:

R108 160

Immediate Cash Benefit (Spouse):

R32 448

Immediate Cash Benefit (Child):

R10 000x4

Estate Gap Cover™:

R540 800
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EDUPROTECT™ BENEFIT

EDUPROTECT™ IS AN OPTIONAL EXTENDER BENEFIT OF KEYPLAN™
PROTECT YOUR CHILDREN’S EDUCATIONAL FUTURE.

Along with the heartache of death comes a variety of additional burdens in the form of legal fees and expenses which have to be taken care of by your loved ones. Understanding these legal fees and expenses can help you prepare for them and ensure that these costs are covered and the burden on your loved ones is alleviated.

We believe in educating all South Africans on the importance of having a valid Last Will and Testament in place and we have made it easy and accessible for everyone to do so.

PROTECT YOUR CHILDREN’S EDUCATIONAL FUTURE.

Along with the heartache of death comes a variety of additional burdens in the form of legal fees and expenses which have to be taken care of by your loved ones. Understanding these legal fees and expenses can help you prepare for them and ensure that these costs are covered and the burden on your loved ones is alleviated.

We believe in educating all South Africans on the importance of having a valid Last Will and Testament in place and we have made it easy and accessible for everyone to do so.

HOW DOES IT WORK?

SHOULD YOU PASS AWAY, EDUPROTECT™ IS DESIGNED TO HELP COVER THE COST OF SCHOOLING FOR YOUR CHILD FROM GRADE 1 TO MATRIC, OR UNTIL THEY TURN 18.

WHY SHOULD YOU CONSIDER EDUPROTECT™?

The younger your child, the greater the financial implications are to cover their schooling, should you pass away.

As the leading provider of Wills and Estates in South Africa, the creation and administration of your Child’s Trust through us is an integrated service, which provides greater efficiency and indemnification of fees for you, when you compare it to the service provided by a traditional life insurer.

From this Trust, up to R 2 000 per month is paid towards covering the costs associated with schooling for your Child, including fees, uniforms, transport, stationery and textbooks.

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Based on future values which is calculated on 7% return plus 5% inflation per annum.

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LIFESTARTER™ BENEFIT

Think back to when you were 18 years old and how much a cash lump sum would have helped with a down payment on a car or a deposit for varsity.

Make this possible for your Child through our unique LifeStarter™ Benefit that pays out R30 000 (which assumes a 7% inflation rate), as a cash lump sum on their 18th birthday.

If there are anyadditional funds after the LifeStarter™ Benefit pays out from the Trust, this balance will also be paid out.

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TRIBUTE BENEFIT

Our goal for this product is that you always get something out. So what if you do not pass away?

Traditional education protection cover normally falls away, but we reward you for having paid all your premiums. The Tribute Benefit provides cover to the value of R20 000 should you pass away within 5 years of your Child turning 18 years old.

No further premiums are payable once your Child turns 18.

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PARENT IMMEDIATE LIQUIDITY™ BENEFIT

GET UP TO R 10 400 TO COVER IMMEDIATE EXPENSES, WHEN A PARENT PASSES AWAY, SUCH AS:
  • Funeral costs
  • Travel arrangements
  • Groceries
  • Other immediate expenses

You also get R 10 400 Maximum Indemnity Benefit™, equivalent to the cash benefit, to indemnify or cover the fees and costs associated with winding up a Parent’s Estate. This includes Executor’s Fees, Testamentary Trust Fees and Conveyance Attorney Fees.

GET UP TO R 10 400 TO COVER IMMEDIATE EXPENSES, WHEN A PARENT PASSES AWAY, SUCH AS:
  • Funeral costs
  • Travel arrangements
  • Groceries
  • Other immediate expenses

You also get R 10 400 Maximum Indemnity Benefit™, equivalent to the cash benefit, to indemnify or cover the fees and costs associated with winding up a Parent’s Estate. This includes Executor’s Fees, Testamentary Trust Fees and Conveyance Attorney Fees.

HOW DOES IT WORK?

THE PARENT IMMEDIATE LIQUIDITY™ BENEFIT PAYS AN ADDITIONAL CASH LUMP SUM TO YOU WHEN YOU NEED IT MOST TO COVER UNEXPECTED COSTS, IMMEDIATELY AFTER THE LOSS OF A PARENT.