Cliqtech
Cliqtech provides a white-label Digital-Will platform that South African insurers, banks, and Financial Service Providers white-label and offer to their customers, while also running the SmartWill consumer brand for direct access.
- Company typePrivate
- Founded2016
- HeadquartersGauteng, South Africa
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
What Cliqtech does
Cliqtech (Pty) Ltd is a South African fintech, founded in 2016, that builds a white-label Digital-Will platform for insurers, banks, and Financial Service Providers (FSPs). The web-based platform enables corporate partners — including Metropolitan, 1Life, Discovery Life, Hollard, Oracle Group, Workers Life, Bettersure, and Fedgroup — to offer will creation, management, and secure storage under their own brand, integrated with their existing customer databases through a three-step customize-deploy-monitor flow. The company also operates SmartWill as a consumer-facing sub-brand (smartwill.co.za), originally launched in 2018 after an initial B2C attempt and a pivot to a B2B2C white-label model.
The platform includes intelligent dashboards, smart calculators, and AI-driven insights marketed as the "Client Engagement Tools" add-on module, supported by a Fidtech positioning that frames estate planning as a risk-mitigated, compliance-ready fiduciary technology layer. Cliqtech is POPIA-compliant and holds a Level 2 BBBEE certification. Revenue mechanics, per disclosed sources, rely on customized enterprise Transaction Agreements combining recurring platform licensing with per-transaction will fees; pricing is not publicly disclosed.
Cliqtech is a privately held, founder-led company headquartered in Johannesburg, Gauteng. It is not venture-backed at any material disclosed scale (one unconfirmed Imvelo Ventures event referenced in funding data with no amount), has 1-10 employees, and currently operates only in South Africa with stated intent to expand across the African continent and other emerging markets. The company's stated mission addresses a documented structural gap: roughly 70% of South Africans die without a Will, contributing to multi-year intestate backlogs at the Master's Office.
Cliqtech firmographics
Firmographics- Name
- Cliqtech
- Legal name
- Cliqtech (Pty) Ltd.
- Website
- https://cliqtech.co.za
- Company type
- Private
- Founded year
- 2016
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Cliqtech provides a white-label Digital-Will platform that South African insurers, banks, and Financial Service Providers white-label and offer to their customers, while also running the SmartWill consumer brand for direct access.
- Ownership category
- akta.pro rank
Cliqtech industry classification
Industry- Product category
- Digital Estate Planning Software
- NAICS
- Custom Computer Programming Services (541511), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518210)
- SIC
- Services-Prepackaged Software (7372), Services-Computer Programming, Data Processing, Etc. (7370)
- akta.pro primary industry
- Customer Engagement, CRM & Agent/Broker Enablement Platforms (FSAGAGAD)
- akta.pro secondary industries
- Contract Lifecycle Management (CLM) & Document Automation (BPAEAPAD), B2B SaaS & Enterprise Personalization (CRM, Sales, Support) (HDAAAGAJ), Customer Service, Support & Contact Center CRM (HDAEAFAC)
Keywords
Where Cliqtech is headquartered
LocationHeadquarters
- HQ city
- Gauteng
- HQ country
- South Africa
- HQ region
- Africa
Offices1 record
Markets served
Cliqtech business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
Revenue model
- Enterprise Platform Licensing: White-label platform licensing fees charged to insurers and FSPs for access to the Digital-Will technology platform. Corporate clients pay for the right to offer Digital-Will solutions under their own brand.
- Per-Transaction Fees: Fees earned from will completions, renewals, and recurring annuity-type earnings arising from platform usage by partner customer bases.
- Additional Revenue Streams for Partners: Enables insurance partners to leverage existing customer databases to create additional revenue streams by offering Digital-Will products.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Enterprise Digital-Will Solutions - White-label platform licensing |
Go-to-market motion2 records
Distribution channels1 record
Marketing channels5 records
Cliqtech product offering
Product offeringCore offering
Cliqtech provides a white-label, disruptive, and user-focused Digital-Will platform that enables South African insurers, banks, and Financial Service Providers (FSPs) to offer digital will creation, management, and secure storage to their customers under their own brand. The web-based fiduciary technology platform is deployed via a three-step flow (customize, deploy/integrate, monitor/optimize) and includes intelligent dashboards, smart calculators, and AI-driven insights for client engagement and compliance.
Product overview
Cliqtech operates as a B2B2C platform offering enterprise-grade Digital-Will solutions primarily through its white-label platform (My Business Will Platform) and consumer-facing SmartWill sub-brand. The core product enables insurers and FSPs to offer Digital Wills under their own brand, while SmartWill serves individual consumers directly. Client Engagement Tools including dashboards, calculators, and AI insights are offered as complementary features. The platform is deployed via a three-step flow: customization aligned to client brand, deployment and integration with client systems, and ongoing monitoring with real-time insights and support.
Differentiator
Problem solved
Functional benefit
Brands
- SmartWill: Online digital will platform that allows users to create, manage, and securely store their wills online.
Products and services
- Digital-Will Platform (My Business Will Platform) Enterprise-grade, white-label web-based fiduciary technology platform designed, developed, and fully owned by Cliqtech. Enables insurers, banks, and Financial Service Providers (FSPs) to integrate information from their customer base to produce uniquely curated Wills for their customers under the partner's own brand, with seamless will creation, management, secure storage, and enterprise-grade compliance. Deployed via a three-step flow: customisation aligned to partner brand, deployment and integration with partner systems, and ongoing monitoring with real-time insights.
- SmartWill Consumer-facing digital will sub-brand of Cliqtech, accessible at www.smartwill.co.za. Enables individual users in South Africa to create, manage, and securely store their Wills online, including non-English first-language speakers. Functions as both a direct-to-consumer offering and as the underlying consumer experience for partner white-label deployments.
Quantifiable outcome
- 93% client satisfaction rating with 10/10 responsiveness
- +2 more outcomes
Companies that use Cliqtech
Customer profileNamed customers10 records
Segments4 records
Ideal customer profiles4 records
Cliqtech technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Cliqtech partnerships and signals
Strategic signalPartnerships
Ten partnerships are on record, tiered minor, core and major.
- ClientèleminorPartnership to offer free online Wills during National Wills Week, promoting financial inclusion and awareness of estate planning.
- Metropolitan GetUpminorPartnership with Metropolitan's youth-focused initiative to provide Digital Wills for young adults, targeting financial inclusion for the next generation.
- FedgroupcoreStrategic partnership that combines insuretech and fidtech in a new dynamic way, offering customers the best of both service offerings. This partnership exemplifies the smart partnership model driving innovation in financial services.
- MetropolitancoreMajor insurance client using Cliqtech's white-label Digital-Will platform to offer fiduciary products to Metropolitan's customers under the Metropolitan brand.
- 1LifecoreInsurance partner offering Digital-Will solutions through Cliqtech's white-label platform to 1Life policyholders.
- Discovery LifecoreLeading South African life insurer using Cliqtech's Digital-Will platform to enhance Discovery's financial wellness offerings.
- HollardcoreMajor insurance group leveraging Cliqtech's white-label platform to deliver Digital-Will services to Hollard customers.
- Oracle GroupmajorFinancial services partner using Cliqtech's Digital-Will platform.
- Workers LifemajorInsurance partner offering Digital-Will services through Cliqtech's white-label technology.
- BettersuremajorFinancial services comparison platform using Cliqtech's Digital-Will solutions.
Scale indicators9 records
Recent moves6 records
Expansion highlights5 records
Cliqtech competitors and assessment
Company assessmentDirect peers
- Farewill:
- Trust & Will: US-based digital estate planning platform offering online will creation, storage, and management. Direct peer to Cliqtech's SmartWill and white-label offering, operating in the same digital fiduciary category with a similar B2C-and-partner model.
- FreeWill: US non-profit-supported estate planning platform that helps individuals create wills online. Comparable to Cliqtech in product (digital will creation) and target outcome (democratizing wills), though FreeWill leans more nonprofit/B2C.
- Wealth.com: US estate planning platform built specifically for financial advisors and wealth management firms, offering white-label and embedded capabilities. Closest analogue to Cliqtech's white-label, partner-distributed go-to-market serving FSPs and insurers.
- Snug: UK-based digital estate planning service that partners with financial institutions, insurers, and advisers to offer wills and related products. Highly comparable in B2B2C white-label model and product scope.
Broad incumbents
- LegalZoom: Large US online legal services platform offering wills, incorporation, and other legal documents. Not a direct white-label partner to insurers, but a broad incumbent in the same digital wills/legal-doc category that could expand into embedded B2B.
- Rocket Lawyer: US/global online legal services subscription platform with wills, contracts, and attorney access. Overlaps with Cliqtech's document automation and will-creation capabilities as part of a broader legal-tech portfolio.
Emerging players
- Bequest: UK-based digital estate planning and legacy platform providing will creation and executor services. Comparable product set to Cliqtech, focused primarily on the UK market with growing B2B partnerships.
- Vanilla: UK estate planning software provider focused on advisers, wealth managers, and financial institutions. Comparable to Cliqtech's B2B/embedded play serving financial intermediaries in the fiduciary space.
Regional players
- Estate Master (Estate Masters Group): South African estate administration and reporting software provider used by fiduciary practitioners. Regional incumbent in the local estate-planning tooling category and a potential competitor to Cliqtech's fiduciary-tech capabilities.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Cliqtech social profiles
Digital presenceCliqtech compliance and trust
Trust signalCompliance2 records
Cliqtech financial estimates
Financial estimateRevenue estimate
Valuation estimate
Cliqtech leadership team
Management profileNumber of profiles
Profiles1 record
Cliqtech funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Cliqtech M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Cliqtech
What does Cliqtech do?
Cliqtech provides a white-label, disruptive, and user-focused Digital-Will platform that enables South African insurers, banks, and Financial Service Providers (FSPs) to offer digital will creation, management, and secure storage to their customers under their own brand. The web-based fiduciary technology platform is deployed via a three-step flow (customize, deploy/integrate, monitor/optimize) and includes intelligent dashboards, smart calculators, and AI-driven insights for client engagement and compliance.
Is Cliqtech a public or private company?
Cliqtech is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Cliqtech founded?
Cliqtech was founded in 2016. It employs 1 to 10 people.
Where is Cliqtech based?
Cliqtech is headquartered in Gauteng, South Africa, in the Africa region.
How does Cliqtech make money?
Three revenue lines are on record. Enterprise Platform Licensing is the primary driver. The others are per-Transaction Fees and additional Revenue Streams for Partners.
Who are Cliqtech's main competitors?
Direct peers on record are Farewill, Trust & Will, FreeWill, Wealth.com and Snug. Broad incumbents are LegalZoom and Rocket Lawyer. Emerging players are Bequest and Vanilla. Estate Master (Estate Masters Group) is listed as a regional player.
Does Cliqtech have an API?
No public API is recorded for Cliqtech.
What industry is Cliqtech in?
Cliqtech's product category is Digital Estate Planning Software. Its primary akta.pro industry code is FSAGAGAD, Customer Engagement, CRM & Agent/Broker Enablement Platforms, with a secondary code of BPAEAPAD, Contract Lifecycle Management (CLM) & Document Automation. Its NAICS code is 541511 and its SIC code is 7372.