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

Is it compulsory for Muslims to draft a will?

Yes, it is compulsory. Islamic law is currently not recognised in South Africa and if there is no Islamic will, or any will for that matter, the Intestate Succession Act would govern the administration of the estate. The Prophet Mohammed, may peace be upon him, stated that it is unlawful for a Muslim to let three nights go by without drafting a will. This underscores the importance of a will in the Islamic faith. If you live in a country that does not recognise Islamic inheritance law, then the aforementioned hadith would be even more relevant to you.

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.


Why do you need life cover and EduCare™ (education cover)?

Life cover is life insurance or death cover which provides a cash lump sum in the event of your death, or if you become severely ill or impaired (you can include critical illness cover as part of your life insurance or take it out as a separate policy).A monthly premium to your insurer for life cover assists in safeguarding your loved ones from financial hardship if you die or suffer from one of a list of illnesses, as per your plan. The money can be put towards funeral costs, payment of a mortgage, debts, or your family’s living expenses.Though the aim may be to ensure that there is enough funding for your family when you are no longer around, we find that this amount often isn’t sufficient to cover children’s education. This is why we created the education protection plan, EduCare™, an estate planning product that provides dedicated cover for your children’s education and care needs should you become impaired, severely ill or pass away. EduCare™ helps cover school fees, personal care needs, school clothes, stationery, sporting equipment, food, transport and tertiary education.Both life cover and education protection cover are important and serve different functions. While life cover is essential to protect your family, it easily gets wrapped up in other things like bond payments, cars and other debts and expenses when you pass away.With EduCare™ there is money securely ring-fenced to take care of your children's educational and care needs if you pass away, become severely ill or impaired.


Do MyCover™ and MyAbility Cover™ expire?

Both MyCover™ and MyAbility Cover™ are whole of life benefits, they do not expire nor tapper down at any stage.


Do I pay Executor’s fees on MyCover™?

No. Because MyCover™ is an extender benefit of the Legacy Protection Plan™, all your executor fees are indemnified regardless of who the nominated beneficiary is. If your life cover from another provider pays to an individual, it wouldn’t attract executor’s fees. However, life cover from other providers that pay to your estate or a trust will attract executor’s fees which can be charged at 3.5% plus VAT.


What are the 3 types of testamentary trusts?

In estate planning in South Africa, testamentary trusts play a crucial role in safeguarding the financial security and well-being of beneficiaries. These trusts are established according to a person’s last will and testament and come into effect upon their passing, providing a framework for the management and distribution of assets. Below is an overview of the different types of testamentary trusts.Children’s trustA children’s trust, as the name suggests, is specifically designed to provide for minor children or dependents who may not be capable of managing their inheritance themselves. It allows the person whose will it is (testator = male, testatrix = female) to appoint a trustee who will oversee the management and distribution of assets on behalf of the children until they reach a specified age or milestone outlined in the will.The trustee is responsible for managing the assets in the best interests of the beneficiaries. The assets held in trust can be used to cover the children’s education expenses, healthcare needs, maintenance costs, and any other essential requirements. By establishing a children’s trust, the person whose will it is ensures that the children’s financial future is secure.Widow’s trustA widow’s trust is designed to provide financial support and security to the surviving spouse after the testator’s death. By creating a widow’s trust, the testator can ensure that their spouse is adequately taken care of.The widow’s trust is typically structured to provide the surviving spouse with regular income or distributions from the trust assets, while preserving the principal amount for the ultimate beneficiaries, such as children. The testator can specify the terms and conditions for the distribution of assets within the trust, ensuring that the surviving spouse’s needs are met without compromising the long-term financial stability of the other beneficiaries.Provider’s trustA provider’s trust focusses on ensuring the financial well-being of a dependent individual, such as a family member with a disability or a loved one with special needs, upon the testator’s passing. This trust is specifically designed to provide ongoing financial support and care for such beneficiaries, taking into account their unique requirements.By creating a provider’s trust, the testator ensures that their loved one will receive the necessary financial support, which will be managed by a trustee who understands the beneficiary’s specific needs.Choosing the right testamentary trust offers invaluable benefits and peace of mind in estate planning, particularly when it comes to providing for vulnerable beneficiaries. With these unique testamentary trust options for estate planning available – children’s, widow’s, provider’s trusts – the individual needs of your loved ones can be taken care of when you are no longer here.There are many types of trusts for asset management after death. However, when it comes to the individual requirements of minors, surviving spouses and dependents with special needs, you have access to unique testamentary trust options for estate planning.Not sure where to start? Contact us to get your will drafted for free and to get all the information about testamentary trust types from our expert consultants.

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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