It’s not an easy conversation, but death happens to us all.
Life is busy but your will is one of the most important documents you'll ever draft and all we need is an hour of your time.
Your will is important, so is planning for the costs of dying. Here's why:
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Meet Mark.
Mark is one of only 30% of South Africans who got his will in place in order to protect his family if he’s no longer around.
Why do your will with Capital Legacy?
Because whichever way you look at it, we have the solution all under one roof
The Will
With access to a specialist consultant, free collection and safe-keeping, and unlimited amendments at no cost, our services provide an easy and stress-free way to secure your will.
Your Beneficiaries
Our services offer the option to create a trust for your loved ones, especially those with disabilities, and provide a personal estate consultant to guide you through the process.
Your Estate
Our services provide the flexibility of choosing any executor, the assurance of established in-house professionals administering the process, and the option of covering costs up to 100% upfront.
Your Trusts
We will take care of all the trusts required by your will to ensure your beneficiaries are protected and get the most of their inheritance.
Did you know…
Capital Legacy was the first to bring out an insurance policy integrated with your will that pays for the fees and costs when you pass away. It's called the Legacy Protection Plan™ and has revolutionised the industry, helping more than 300 000 South Africans since we launched in 2012.
Calculate your cost of dying
No hidden agendas with us... There are costs but NOT for the will itself, rather the executor & trustee fees should you choose to appoint us. We have a solution for these fees but first, let's quickly help you estimate these.
How much is your estate worth?
What is the value of your properties?
Do you have kids younger than 18? *
Why do I need the Legacy Protection Plan™?
This policy is the most cost effective way to provide funding to cover your estate legal costs. It can also prevent massive delays in administering your estate, saving your family trauma and at worst financial ruin.
Affordable premiums for any age, with BIG benefits
Has no cease-age and covers you for your entire life
Includes cash benefits to plug gaps that your other policies cannot
For as little as R 111.70 pm
Integrated benefits
With the Legacy Protection Plan™
Immediate Liquidity™
When you pass away, your family could have limited access to money. Ensure there is money available to cater for things such as funeral expenses, travel arrangements, groceries and other immediate expenses. This benefit pays within 48 hours giving rapid relief to your loved ones.
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.
How much does EduCare™ cost?
With EduCare™, from as little as R115pm, you can get up to R3 million worth of cover to look after your child when you are no longer around or become impaired or severely ill. The monthly premiums are subject to certain factors, such as the age of the child, the amount of cover you require for your specific needs, as well as certain parameters which are addressed during the underwriting process. These funds will be dedicated to the education and care needs of your child or grandchildren, and leave you with peace of mind, knowing that you have invested in the education and future of your children.
What is a bequest in an Islamic will?
A bequest (known as a Wassiyah) is a gift made to an individual who does not qualify as an heir in terms of the Islamic Law of Inheritance.
What happens if I do not have an Islamic will?
If you do not have an Islamic will, then Islamic law will not be applied when your estate is administered, and your Islamic heirs will potentially be at a disadvantage in terms of the inheritance they ought to have received. South Africans laws governing the distribution process are not in line with Islamic law. The Shari'ah laws of inheritance differ from South African laws of inheritance.
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.
How long does it take to finalise a deceased estate?
There is no set time scale as every estate differs depending on the personal circumstances of the deceased. We endeavour to finalise deceased estates in about nine months. However, we cannot guarantee this timeframe as complex estates may take longer. In some instances, an estate cannot be reported to the office of the Master of the High Court due to factors such as missing or unsigned documents, or cause of death. Then the Master will not issue the Letters of Executorship (LoE) or Letter of Authority (LoA) and the deceased estate cannot be administered until one is issued. This is just one example of a potential administrative roadblock, but our dedicated team does everything they can to address these issues and move the process forward.
Not to brag, but we're kinda good at what we do.
Don't take our word for it though...