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The most sensible, affordable life cover out there

Life insurance allows you to pay a small monthly fee for the guarantee that when you die, your beneficiaries will be paid out with a large sum of money. Many people take out life insurance to get peace of mind that their family will be provided for, especially for things like education, and that any remaining debt they have will be covered by the insurance pay-out. But what about the unexpected costs that come with wrapping up an estate? Conventional life cover may not be sufficient for that.

When it comes to leaving an inheritance from your estate, one of the most overlooked aspects of concluding your affairs is the costs involved. The costs for a late estate include estate duties, executor’s fees, property transfer costs, capital gains tax, sundry cash flow and funeral expenses.

All assets and investments are combined to establish the value of your estate and the applicable fees. Conventional life cover products are counted as part of the value of your estate, meaning they could be contributing to an increase in your estate duties rather than helping to offset them.

SmartWill has developed a product, SmartCover, that allows its clients to specifically cover the costs of wrapping up their estate. The pay-out value and monthly rate of this smart insurance product is worked out using its SmartCalculator tool when clients are completing their profile.

As an underwritten insurance product, SmartCover is very affordable and, because it’s based directly on an individual client’s estate, you only pay for the cover you actually need. As with everything in the SmartWill system, the process is simple, personalised and affordable.

Paying for just what you need and getting exactly what you paid for in order to take care of your loved ones after you die; now that’s smart.

More on SmartCover here.

Posted in SmartCover on Oct 26, 2020


Who we work with.

We pride ourselves on being forward thinkers, with a focus on customer excellence.

Our trusted partners include:

Estate Plan
the courier guy

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* Feel free to explore the process. Please note, however, that the finalisation of your will requires a payment of R550.
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What some of our customers think.

"The process of updating my will was so overwhelming that I had snoozed the reminder on my to-do list since my my second child was born... and he is almost three. Then I found SmartWill.
The website is so intuitive and extremely simple. I found myself wondering whether it was too simplistic! The website guides you through an easy, step-by-step process that you can complete in your own time, in the comfort of your home. It takes an overwhelming task, and breaks it down into easy-to-answer questions. The cost is nominal, the quality is extraordinary. You don’t need to make an appointment with a lawyer, yet your will is reviewed by a lawyer. The whole process was so streamlined, I really can’t fault it. I strongly recommend that you just take the first step. The rest is easy." - Tanya Hanekom
"A will is always the lowest item on most people's daily priority list, but SmartWill helps make it as easy and seamless as possible. With the ability to dip in and out of the website when you have time to complete the details. With constant but not overbearing email reminders, and good advice from real people when you need it, the overall adds up to an excellent service for the price. Thanks SmartWill I can sleep a little easier now!" - Charles Edwards

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