Name

Capital Legacy

Legal name

Capital Legacy Solutions (Pty) Ltd

Website

https://capitallegacy.co.za

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

251–500 employees

Ownership category

akta.pro rank

Product category

Estate Planning and Fiduciary Services

NAICS

Trusts, Estates, and Agency Accounts (52592), Direct Life Insurance Carriers (524113), Finance and Insurance (52)

SIC

Insurance Agents, Brokers & Service (6411), Life Insurance (6311)

akta.pro primary industry

Estate & Legacy Planning Advisory (FSAEAAAG)

akta.pro secondary industries

Estate Planning, Trust Structuring & Governance (FSAAADAF), Level Term Life Insurance (FSAIAAAA)

Keywords

• Estate planning services
• Will drafting services
• Fiduciary services
• Life insurance products
• Deceased estate administration

Headquarters

HQ city

Bryanston

HQ country

South Africa

HQ region

Africa

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Insurance Premiums (Legacy Protection Plan): Monthly premiums from the Legacy Protection Plan insurance policy that covers estate costs when the policyholder passes away. Underwritten by Guardrisk Life Ltd.
2. Estate Administration Services: Fees charged for administering deceased estates. Executor fees regulated at maximum 3.5% plus VAT of gross estate value, plus 6% plus VAT on income earned after date of death.
3. Will Drafting: Free will drafting service; company monetizes through sale of Legacy Protection Plan insurance products

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Capital Legacy provides free will drafting, professional deceased estate administration, and a flagship will-integrated insurance policy called the Legacy Protection Plan® that covers executor fees, conveyancing costs, and other estate administration expenses when the policyholder passes away. The offering is extended through group sub-brands Benefactor.life (digital life cover) and BALOO (education cover), along with Shariah-compliant wills, testamentary trust administration, and in-house conveyancing and legal services. Revenue is generated from monthly insurance premiums, estate administration fees, and referrals through a 2,500+ financial advisor network.

Product overview

Capital Legacy operates as a comprehensive fiduciary services ecosystem offering a portfolio of integrated products. The core offerings include free will drafting (online and consultant-assisted) and professional estate administration services delivered by over 350 in-house specialists. The flagship Legacy Protection Plan® is the first will-integrated insurance policy in South Africa, indemnifying executor fees, conveyancing costs, and other estate expenses. The portfolio extends to group products including Benefactor.life (digital life cover up to R2.25 million) and BALOO (education cover up to R1.5 million per child), both underwritten by Guardrisk Life Ltd. Additional services include Shariah-compliant wills (Tazkiya), testamentary trust administration, in-house legal and tax expertise, and conveyancing services—all delivered through 11 offices nationwide with 2,000+ staff. The ecosystem is anchored by Capital Legacy Solutions (Pty) Ltd as the Authorised Financial Services Provider, supported by Capital Legacy Fiduciary Services and Capital Legacy Board of Executors and Trust Company (CL BOET) as licensed executor.

Differentiator

Problem solved

Functional benefit

Brands

• Benefactor.life: Digital-first life cover solution offering up to R2.25 million instant life cover, backed by Capital Legacy.
• BALOO
• Legacy Protection Plan®

Products and services

• Wills & Last Will and Testament Online and consultant-assisted will drafting service that allows individual South Africans to create legally valid wills free of charge, with options covering simple to complex estate planning requirements including testamentary trusts.
• Estate Administration Comprehensive deceased estate winding-up service delivered by over 350 in-house estate professionals, covering the full administration process from reporting to finalisation including Letters of Executorship, Liquidation and Distribution accounts, and asset distribution.
• Legacy Protection Plan® Insurance policy integrated with wills to cover executor fees, conveyancing costs, testamentary trust fees, and other estate administration costs, protecting beneficiaries from financial burden when a loved one passes away. Underwritten by Guardrisk Life Ltd.
• Benefactor.life Digital-first life cover solution offering up to R2.25 million instant life cover for modern professionals and growing families, providing faster, simpler access to life insurance without traditional paperwork and wait times. Part of Capital Legacy group.
• BALOO Education cover solution providing up to R1.5 million per child to ensure children's educational needs are prioritised and protected from misuse or abuse of funds by those with access. Part of Capital Legacy group.
• Tazkiya (Shariah-Compliant Wills) Shariah-compliant Islamic will product where beneficiaries are determined on the death of the testator rather than being nominated during the testator's lifetime, adhering to Islamic inheritance principles.
• In-house Conveyancing & Legal Services Integrated property transfer and legal expertise delivered under one roof, including conveyancing attorney fees that can be covered through the Legacy Protection Plan indemnity benefit, supporting estate administration workflows.

Quantifiable outcome

• R2 billion in fees saved for families through Legacy Protection Plan indemnification
• +3 more outcomes

Named customers5 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Six partnerships are on record, tiered core and minor.

• Capital Legacy Fiduciary Services (Pty) LtdcoreOthersSubsidiary company within the Capital Legacy group providing fiduciary services
• Capital Legacy Board of Executors and Trust Company (Pty) LtdcoreOthersSubsidiary holding the CL BOET licence - a licensed executor and trust company providing exclusive executorship appointment services
• Quill Consulting Services (Pty) LtdminorOthersSubsidiary company within the Capital Legacy group
• Sanlam Trust (Pty) LtdminorStrategic or Co-development PartnerListed in Privacy Notice as one of the companies within Capital Legacy's group structure, located at the same address
• Benefactor.lifecoreOthersDigital-first life cover solution offering up to R2.25 million instant life cover. Part of Capital Legacy group of companies. Designed for modern professionals and growing families.
• BALOOcoreOthersEducation cover solution offering up to R1.5 million Education Cover per child. Part of Capital Legacy group. Ensures children's education needs are prioritized and protected.

Scale indicators7 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Old Mutual: Old Mutual is a major SA insurer and wealth manager offering life cover, retirement, and estate/fiduciary services. It overlaps Capital Legacy on life insurance distribution and estate administration within its broader financial services portfolio.
• Sanlam: Sanlam is South Africa's largest financial services group with life insurance, investments, and a dedicated Sanlam Trust fiduciary arm. It competes with Capital Legacy's LPP across life cover, estate administration, and trust services from a broader product portfolio.
• Hollard: Hollard is one of South Africa's largest privately-owned insurance groups spanning life, funeral, and short-term cover. Its life and funeral products address the same consumer estate-protection need that Capital Legacy's LPP targets.
• Discovery: Discovery Life is a leading SA life insurer with incentive-based integrated cover products. Its flagship life policies overlap Capital Legacy's MyLegacy Cover/BeneFactor range on consumer-direct life insurance in South Africa.
• Liberty Holdings: Liberty is a major SA long-term insurer offering life cover, investments, and estate-planning-linked products. It competes with Capital Legacy on life cover distribution and integrated wealth/estate planning services for consumers.
• Bidvest Life: Bidvest Life is a South African life insurer within the Bidvest group providing individual life and investment-linked policies. It targets a similar consumer-direct life cover niche that intersects with Capital Legacy's MyLegacy Cover / BeneFactor products.
• PSG Konsult: PSG Konsult is a South African financial services group offering life cover, wealth management, and estate-planning-linked advice. Its advisor-driven distribution partially mirrors Capital Legacy's 2,500+ financial advisor referral channel.

Direct peers

• LegalWise: LegalWise is a South African legal services and insurance membership organisation offering wills, estate planning, and related cover products. It directly competes with Capital Legacy on free/low-cost wills and bundled legal-insurance benefits in the same SA market.
• AVBOB: AVBOB is the largest South African mutual society providing funeral, life, and related estate-related cover, including will-bank services. It overlaps Capital Legacy on funeral expense indemnification, life cover, and estate planning for SA consumers.

Others

• Maitland Group: Maitland Group is a global fiduciary, corporate administration, and family office services provider with a presence in South Africa. It overlaps with Capital Legacy on estate administration, trust services, and cross-border succession planning for HNW families.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/CapitalLegacy
• YouTubeyoutube.com/c/CapitalLegacySouthAfrica
• Facebookweb.facebook.com/CapitalLegacy
• LinkedInza.linkedin.com/company/capital-legacy
• Instagraminstagram.com/capital.legacy
• TikToktiktok.com/@capitallegacy

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries3 records

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Capital Legacy