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.

Sadly...

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

R 3,000,000

Optional disability cover

R 0

Life Cover Phone Calculator

Our solution for life insurance is R 3,000,000 of MyCover™ and disability cover of R 0 of MyAbility™ from only

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

Subject to terms and conditions.
All quotes are subject to medicals.
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Total MyCover™ of R 3,000,000
and MyAbility™ of R 0

from only R 315.90 pm*

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.

Frequently asked questions

How much MyAbility Cover™ can I get?

MyAbility Cover™ is an accelerator extender of the MyCover™ benefit. You can secure up to R5 million in severe illness and impairment cover.

What happens if an estate is not settled?

If an estate has a shortfall, the executor will either sell some assets to meet the financial requirements, or the heirs could pay the shortfall to preserve the assets, so that assets such as property can be transferred to them. However, an estate that does not have sufficient assets to cover outstanding debt, will be declared insolvent and then the beneficiaries will not inherit.


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.


How much life cover can I get with MyCover™?

You can secure up to R10 million life cover with non-invasive underwriting and up to R15 million for which we require blood tests, several BeneFactor™ options that suit your lifestyle (see FAQ on BeneFactor™ for more detail), cover for severe illness and impairment up to R5 million through MyAbility Cover™, and you have the option of selecting whether you would like the life cover to pay directly to a beneficiary, to a trust or your estate for which the executor’s fees are indemnified.


Does my life cover form part of my estate?

Your life cover only forms part of your estate if you nominate your estate as the beneficiary on the life cover beneficiary nomination form. However, should your nominated beneficiary pre-decease you, the benefit could be paid to your estate and therefore form part of your estate.


What about relatives not listed?

In circumstances where distant relatives do not inherit according to Islamic law, they may be allocated a bequest in an Islamic Will, provided that the sum of all bequests cannot exceed one-third of the estate. Alternatively, they can be nominated as beneficiaries of the MyCover™ extender on the Tazkiya™ Family Takaful.

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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