Wills & Legacy Protection
Professionally drafted Wills and Legacy Protection Plans in partnership with Capital Legacy — ensuring your final wishes are honoured and your estate is protected from unnecessary costs and delays.
Why a Will Matters
You forfeit the opportunity to decide who inherits what and your Estate is distributed according to South African law. People who you may not have wanted to benefit from your Estate may inherit it.
If you are not married, or your Will is not updated from a previous marriage, your partner may be left with nothing — regardless of how long you were together.
Your children's inheritance could pass to the Government Guardian's Fund or an appointed Guardian rather than to a Trust that ensures your wishes for them are carried out.
Family feuds often occur when members argue over the distribution of your Estate when final wishes are not clearly documented. A Will eliminates ambiguity and protects relationships.
Winding up your Estate can take years — without a Will appointing a professional Executor, the government is essentially in control of the process and timeline.
The Real Cost of Dying
Most people are unaware of these costs — and without planning, they can devastate the estate you worked a lifetime to build.
You need a professional to wind up your Estate. Executors can charge up to 3.5% + VAT of the value of your Estate. This could be hundreds of thousands of Rands — and if you do not have this available, the Executor is entitled to auction off your assets to pay their fees.
When you pass away, your bank accounts could be frozen and your family could have limited access to money. Our Immediate Liquidity™ Benefit makes sure funds are available for the funeral, travel, groceries, and any other immediate expenses.
If you are leaving an inheritance to minors, you need a Trust upon your death. Trust and ongoing Trustee fees can erode their inheritance. Our Legacy Protection Plan™ covers all these fees to ensure your Legacy is protected.
Estates can take months — even years — to wrap up. Families mistakenly assume the Estate will pay monthly bills like lights, rent, and groceries, but funds are often tied up until finalisation. Our Estates Overheads Protector™ covers these essential monthly costs.
Most people leave their entire Estate to their Spouse — but if both pass away and your Children inherit everything, Capital Gains Tax and other legal fees are triggered. Our Estate Gap Cover™ pays a cash benefit to the second Spouse's Estate to cover these additional taxes and fees.
Our Partner
Capital Legacy is one of South Africa's leading Will-drafting and estate administration companies, with over 20 years of experience and hundreds of thousands of clients protected nationwide.
Through our partnership, Impact clients have access to professionally drafted Wills, Legacy Protection Plans, and estate cost coverage products — all from as little as R53/month.
Why Act Now
A Will drafted by a qualified Legacy Testamentary Consultant ensures it is legally valid, unambiguous, and reflects your exact wishes.
The Legacy Protection Plan covers executor fees, trust fees, and estate costs — for less than the price of a daily coffee.
Avoid family disputes, protect minor children, and ensure your partner is never left financially vulnerable.
Common Questions
Why can't I just write my own Will?
A Will must meet specific legal requirements. An incorrectly drafted Will can be declared invalid, leading to intestate succession which may not reflect your wishes.
What is the Legacy Protection Plan?
A Capital Legacy product from R53/month that covers all estate legal fees — so your family inherits what you intended without costs eating into the estate.
How long does estate administration take?
A standard estate can take 6–12 months. Capital Legacy's 48-hour cash benefit provides immediate funds to your beneficiary while the estate is being wound up.
A professionally drafted Will and a Legacy Protection Plan can be in place within days. Contact us to get started — no obligation, no complexity.
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