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Estate Preservation Plan

Pro-active Will management, financial support and payment of expenses and fees associated with your estate for a calculated monthly premium.

The safe and secure storage of your will is vital for ensuring your wishes are known when you die. SmartStorage makes it easy and affordable to securely store your new or updated will.

  • Professional drafting of Will plus lifetime maintenance and storage.
  • Immediate cash to cover funeral and other expenses.
  • Payment of executor fees.
  • Lump sum for additional estate costs related to winding up the estate.

Dealing with the death of a loved one is difficult enough, without any additional burdens arising from complications in finalising the estate or unexpected costs.

The Estate Preservation Plan from Clientèle Life can help by:

  • Making sure your Will is complete, up-to-date, and fully enforceable.
  • Providing immediate financial support to cover your funeral and other expenses.
  • Covering the fees and costs associated with winding up your estate.

ActivWill Management Programme

With ActivWill, you are guaranteed your Will is correctly drawn up, executable, current and safely stored. The benefits include:

  • A properly drafted Will that is fully executable, with proactive management and annual reviews.
  • SmartWill will act as your executor which allows us to finalise your estate quickly and efficiently and manage costs.
  • The validation and storage of your Will in a fireproof, waterproof, and secure vault. A courier will collect your signed Will and any subsequent annual updates.

The costs of winding up an estate.

Most people are unaware of the hidden costs in fees and taxes that their late estates will need to cover when they die.

These unexpected costs often are not catered for in traditional financial planning as determining the cost of death is highly complex, as a result, loved ones are left with expenses that they cannot cover resulting in delays in winding up the Estate and financial distress.

We have developed a SmartCalculator that works in the background as our customers complete their will. Once the will is complete, we provide each customer with the exact cost of death and at the same time offer Clientèle’s Estate Preservation plan to help with these expenses.

The Estate Preservation Plan Death Benefit

To alleviate the financial and traumatic burden on your heirs when you die, the Estate Preservation Plan provides:

Initial Expense benefit

A cash lump sum of up to R50,000 is paid to your heirs within 24 hours of providing us with your death certificate. You decide how much this lump sum should be and can change it as your circumstances change.

This benefit also takes care of their emotional and practical needs of your dependents by offering grief counselling and products from leading funeral service providers.

Executor Fee benefit

A lump sum is paid to your Estate to fund the cost of an executor. This amount can be a maximum of 3.5% (+ VAT) of the value of your estate.

Estate shortfall benefit

A lump sum is paid out to your Late Estate that the executor can use to pay for all the costs related to winding up your estate. You decide how much this should be and can change it as your circumstances change.

Optional benefits

  • Monthly expense benefit: When you die, your bank accounts are frozen. To help your dependents cope with the costs of living while your estate is being wound up, this benefit provides 12 monthly tax-free payments.

  • Enhanced liquidity benefit: In cases where your estate is set to attract high costs, this benefit pays a lump sum into your estate over and above the Estate Shortfall Benefit to cater for these expenses and liabilities.

Together, the elements of the Estate Preservation Plan combine to offer you a complete solution to safeguarding your estate to the benefit of your heirs. 

About Clientèle

The Clientèle Limited Group is a diversified financial services group, listed on the Johannesburg Stock Exchange and is one of South Africa’s leading direct distributors of financial service products. Over the past 25 years it has been successful in offering convenient and easy to understand financial services products to the public through various direct marketing and sales distribution channels.

Clientèle has cultivated an understanding of the need for financial protection and investment for South Africans from all walks of life. These needs are well provided for in Clientèle’s comprehensive yet uncomplicated range of products which include: funeral, life, dread disease, hospital insurance, legal plus investment products and a Rewards programme. This simplicity, efficiency and convenience extends throughout Clientèle’s product range and service.

 

 

Who we work with.

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

Our trusted partners include:

 
Fedgroup
Estate Plan
xneelo
tribe
storafile
the courier guy

 

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