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
What happens if an estate is not settled?
If an estate has a shortfall, the executor will either sell some assets to meet the financial requirements, or the heirs could pay the shortfall to preserve the assets, so that assets such as property can be transferred to them. However, an estate that does not have sufficient assets to cover outstanding debt, will be declared insolvent and then the beneficiaries will not inherit.
Can minor children be beneficiaries of life cover?
Technically, yes. However, this is not best practice, as minor children's finances still fall under the curatorship of their guardian. If you have minor children, you should consider the use of a testamentary trust as a vehicle to protect their inheritance.
What is the maximum entry age for MyCover™?
Our maximum entry age for MyCover™ is 59 years old.
How much MyAbility Cover™ can I get?
MyAbility Cover™ is an accelerator extender of the MyCover™ benefit. You can secure up to R5 million in severe illness and impairment cover.
Can I get MyCover™ without a Legacy Protection Plan™?
No, you cannot get MyCover™ as a standalone life cover product. MyCover™ is offered as an extender benefit of the Legacy Protection Plan™ as we harness our unique approach of indemnification of fees and integration of benefits.
Can I get MyCover™ if I have had cancer?
Yes, but this depends on the type of cancer and the severity of the cancer that you have previously been diagnosed with. We evaluate every application on a case-by-case basis.
Not to brag, but we're kinda good at what we do.
Don't take our word for it though...