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:
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
Optional disability cover

Our solution for life insurance is of MyCover™ and disability cover of of MyAbility™ from only
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.
We apologize for any inconvenience caused, but our product is exclusively available to individuals with a monthly income of R17 500 and above.
Total MyCover™ of
and MyAbility™ of
from only
pm*
Tap here for more information

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.
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 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.
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.
How much life cover can I get with MyCover™?
You can secure up to R10 million life cover with non-invasive underwriting and up to R15 million for which we require blood tests, several BeneFactor™ options that suit your lifestyle (see FAQ on BeneFactor™ for more detail), cover for severe illness and impairment up to R5 million through MyAbility Cover™, and you have the option of selecting whether you would like the life cover to pay directly to a beneficiary, to a trust or your estate for which the executor’s fees are indemnified.
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.
Who can be a beneficiary of my life cover ?
Because MyLegacy Cover™ is an extender benefit of the Legacy Protection Plan™, you can nominate either an individual, a trust or your estate as the Beneficiary without incurring any executor’s fees.
How does accelerator payment affect MyCover™?
MyAbility Cover™ forms a part of your total MyCover™ value. If you claim against your MyAbility Cover™ benefit it will automatically reduce your total MyCover™ value by the amount that you have claimed. Once you have claimed against your MyAbility Cover™ benefit, you cannot top up your cover to the original value.
Not to brag, but we're kinda good at what we do.
Don't take our word for it though...