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

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.
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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

What is the main difference between an Islamic will and a conventional will?

In a Shari’ah-compliant or Islamic will, the Beneficiaries are determined on the death of the testator rather than being nominated, as in a conventional will, during the lifetime of the testator.

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.


What is MyAbility Cover™?

A combination of impairment and critical illness means you are covered for either event, and if the benefit goes unused it will pay out with your life cover and not fall away.


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.


Why should I have an Islamic will?

A will conveys your wishes, in a legally binding way, on how you want your estate to be divided. The most fundamental benefit of having an Islamic will is that your estate is administered in terms of Shari’ah. While your estate will be administered according to Islamic law, thus providing for your Islamic heirs and religious liabilities, you still have the freedom to appoint an executor of your choice to attend to this administration process.


What is EduCare™?

An estate planning product that provides dedicated cover for your children’s education and care should you become impaired, severely ill or pass away. EduCare™ is integrated with your will through a Children’s Trust™. The proceeds will be paid to the Children’s Trust™ for the trustees to allocate according to your children’s needs. This is a whole-of-life product that is fully underwritten upfront. You would pay a single premium with no need to specify each child’s details. This product covers any beneficiary of the Children’s Trust™, including grandchildren. The trustees are bound to follow the product rules to the benefit of the child.Capital Legacy’s unique approach to education protection cover through EduCare™ not only helps cover school fees but also personal care needs, stationery, sporting equipment, food, and transport.You can choose the amount needed to help cover the costs of your children’s education and care (our expert consultants will guide you). If something happens to you, we will pay your EduCare™ benefit into a dedicated Children’s Trust™ for your child. The trustees of the Children’s Trust™ will then allocate funds to help cover your children’s education and care needs based on your plan. (You can nominate a person of your choice to be co-trustee together with a Capital Legacy expert, for peace of mind). All the trust and trustee fees are indemnified, ensuring that the full values go towards your children’s education and care.

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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