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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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 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.

Why should I have an Islamic will?

A will conveys your final wishes in a legally binding way, including how your estate must be divided. The benefit of having an Islamic will is that your estate will be administered according to Islamic law, providing for your Islamic heirs and religious responsibilities, however you still retain the freedom to appoint an executor of your choice to attend to the deceased estate administration process.


Waarom behoort ek 'n Islamitiese testament te hê?

'n Testament vat jou finale wense op 'n wetlik bindende wyse saam, insluitend hoe jou boedel verdeel moet word. Die voordeel van 'n Islamitiese testament is dat jou boedel volgens Islamitiese wet geadministreer sal word, wat voorsiening maak vir jou Islamitiese erfgename en religieuse verantwoordelikhede, maar jy het steeds die vryheid om 'n eksekuteur van jou keuse aan te stel.


"Wie kan 'n begunstigde van my lewensdekking wees?"

Omdat MyLegacy Cover™ 'n uitbreidingsvoordeel van die Legacy Protection Plan™ is, kan jy 'n individu, 'n trust of jou boedel as die Begunstigde aanwys sonder om enige eksekuteursfooie te betaal.


What are the benefits of education insurance?

There is money securely ring-fenced to take care of your children's educational needs if you pass away, become severely ill or impaired. EduCare™ is dedicated cover to ensure their continued education and care, should something happen to you.EduCare™ helps cover school fees, personal care needs, stationery, sporting equipment, food, transport and tertiary education. Over and above the core cover, EduCare™ also includes the following additional benefits:●        The LifeStarter Benefit™ pays out as a cash lump sum when your child turns 18, on the 1st day of their birthday month. This amount is selected by you in the initial calculation.●        The Global Bursary Benefit™ pays up to R5 million in university fees if one or all of your children get accepted into one of the 50 Oxford Global top universities.●        The Achiever Benefit™ pays out a once-off cash lump sum of R150 000, per child, if they qualify for National Colours. ●        Medical studies benefit – if any of your children covered choose to study to be a Medical Doctor, up to R100 000 will be paid to the institution per annum, for 3 years, after successfully completing their 4th year of their Bachelor of Medicine degree.●        Estate duty benefit – any estate duty created by taking out EduCare™ will be covered up to R1 million.


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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