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:
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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.
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
What is the maximum entry age for MyCover™?
Our maximum entry age for MyCover™ is 59 years old.
Can a last will and testament expire?
No, wills are perpetual by nature, which means once the person whose will it is (testator = male, testatrix = female) proofs and validates their will, it never terminates. A will cannot 'expire' and there is no restriction that limits the time a will is valid. The only way a last will and testament becomes invalidated is when the person whose will it is, revokes all previous wills in their current will. Even though your will may remain valid, however, remember that it may no longer be up to date and suitable for your needs. Your circumstances could have changed significantly since you drafted it. It is a good idea to review your will at least once a year, and after major life events, e.g. getting married, having or adopting a child, getting divorced, acquiring substantial assets not covered by your will, etc.
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 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.
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.
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 upon the death of the testator rather than being nominated, as in a conventional will, during the lifetime of the testator.
Not to brag, but we're kinda good at what we do.
Don't take our word for it though...