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!
Life cover is important,
and here's why:
1/3
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.
Why do your life cover with Capital Legacy?
Because our life insurance
puts your beneficiaries first
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
Our insurance plans offer fair pricing with sustainable premium increases below the industry average and flexible options for premium payment.
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.
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.
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
Our solution for life insurance is of MyCover™ and disability cover of of MyAbility™ from only
Our solution for life insurance is R 3,000,000 of MyCover™ from only
per month
*
R 315.90
per month
*
We apologize for any inconvenience caused, but our product is exclusively available to individuals with a monthly income of R17 500 and above.
*Based on a 41-year-old
male non-smoker.
All quotes are subject to medicals.
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.
Up to R 15 000 000 life cover
Easy application process
Impairment and critical illness cover
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
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
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.
Can I bequeath to an Islamic heir?
No, bequests are only for non-heirs. If a bequest is made in favour of an heir, this would provide an unfair advantage to one heir over another. The other heirs have the right to block all or part of a bequest made to an heir. However, heirs can be nominated as the beneficiaries of the MyCover™ extender on the Tazkiya™ Family Takaful. It would be better to give a gift while you are alive, but be mindful that this can still create an unfair disadvantage.
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.
Do I need to go for blood tests for MyCover™?
For R10 million cover or less, you do not need to go for a blood test and we only require non-invasive underwriting. For cover greater than R10 million, you will be required to go for a blood test.
What if I’m a smoker?
No problem. MyCover™ is available for smokers too. Non-smokers can do a CO test and benefit from reduced rates.
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.
Not to brag, but we're kinda good at what we do.
Don't take our word for it though...