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SmartCover™ for a calculated monthly premium.

Cover for the fees and tax’s of your estate.

SmartCover provides cover for:

  • Estate Duty,
  • Executor Fees,
  • Property Transfer Fees &
  • Capital Gains Costs.

Most people are unaware of the hidden costs in fees and tax’s 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 can not 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 an optional SmartCover policy for these expenses.


Depending on the size of your estate our SmartCalculator also provides for an immediate death payment paid to a chosen beneficiary. This lump sum is made available to cover daily living expenses and funeral costs.


SmartWish is a South African First.

SmartWish allows a customer to choose to add additional “Wishes” to their SmartCover policy.

A customer can add up to three wishes to the value of 10% of their SmartCover Policy.

A wish can be anything for anyone.

You can leave a wish for your family to take a holiday, buy a car, education, donate to a charity like your local SPCA the options are limitless!

Fedgroup Financial Services (Pty) Ltd (Registration number 2012/000697/07) is registered with the Financial Services Board and is an Authorised Financial Services Provider, license number 45563.


Fedgroup was established in 1990 as a family-owned investment and trust company.

It has grown into a well-established, secure, professional organisation offering products and services of the highest standard.

Fedgroup is continually expanding its range of financial services offerings to enable the group to better provide for the financial needs of South African’s.

The Fedgroup product range includes investments, insurance, education savings, trust services, property finance, estate planning and wills. This range is backed up by Fedgroup’s cutting-edge administration system, which enables it to respond to customer needs at industry-leading speeds.

Fedgroup has partnered with SmatWill to provide our customers with SmartCover.

To find out more about Fedgroup visit:


How to Claim

All claims will be processed in a timely and efficient manner ensuring loved ones are treated with all due respect and sympathy.

Beneficiaries of the policy need to please initiate the claim with Fedgroup Life within 6 months of the policyholder’s death while required documentation needs to be received within 9 months of the policyholder’s death.

Upon receipt of the notification of a claim, Fedgroup Life will provide the necessary forms that must be completed and the protocols needed for the benefit payment.

To initiate a claim please contact us on either:

  • Customer Services - (011) 568 2397 or,
  • Email -


Who we work with.

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

Our trusted partners include:

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.
Get R100 off if you refer someone :-)
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