Last reviewed: June 2026. We review our guides regularly to keep them accurate.
Make sure your legacy is protected
It is important to protect your legacy and your dependants should the unexpected happen. The backbone of your succession plan is your will. 75% of South Africans die without a valid last will and testament causing devastating consequences for their families and dependents. People need to know what devastating consequences their families and dependents will face if they were to die without a will.Top 5 things to consider:
1. Cost of Dying
Most people are aware that life cover is needed but many fail to plan for legal expenses that the Estate incurs when they die – such as the Executor, Trustee, and Conveyancing fees. Without a will and appointed executor, the government is essentially in control of the process.2. Financial provision for your family
This goes beyond simply taking out life cover. You may need to consider using Trust structures to ensure you protect your minor children or spouse’s inheritance. A partner may be left without nothing if you are not married, or your will is not updated from a previous marriage.3. Who looks after your children when you no longer can?
What happens when both spouses die? What about single-parent homes? What about families separated by country of residence? Who would you appoint as the legal guardian of your beloved children? Your children’s inheritance could pass to the Government Guardian’s Fund.4. Taxes
Most married individuals leave their entire Estate to their Spouse, but if both of you die and your children inherit everything then Capital Gains Tax and other legal fees are triggered.5. Inheritances and Heirlooms
You will forfeit the opportunity to decide who inherits what and your estate is distributed according to South African law. This means people whom you may not have wanted to benefit from your Estate may inherit your assets and family heirlooms. It is normally the first thing people think about – who gets what. It is not only about distributing your assets, it is about clearly, logically, and lovingly protecting your legacy and your memory.Ways to make it easy for you to get your will sorted:
- We partner with a reputable company called Capital Legacy to assist around the country to meet with our clients at a convenient time and place.
- No charge for drafting your Will. You are not charged for the consultation or the drafting of your Will.
- No charge for collecting your singed Will. They will safely collect and deliver this very important document.
- No charge for safekeeping. It is kept in secure vaults, barcoded, and easily retrievable.
- No charge for making amendments. We encourage our clients to review their Wills every few years and after major life events.
