

Estate cover
Momentum Estate Provider Benefit
Death comes at a heavy cost. Without estate protection, your loved ones could face crippling funeral, legal, tax, and other expenses. The Estate Provider Benefit covers these at an affordable monthly premium.
- Settles executor fees charged during deceased estate administration.
- Ensures there's enough cash in your estate to settle debt and taxes.
- Ensures there’s enough cash to settle deceased estate administration costs.
Calculate the cost of dying with our estate duty calculator and speak to an adviser for an estate cover quote.

Estate duty calculator
Calculate the costs of dying
Our estate duty calculator can help you calculate any cash shortfalls in your estate so that your family or beneficiaries aren't left with the financial burden of paying for taxes, debt and administration costs after your death.
What are the financial costs of dying in
South Africa?
Many South Africans aren’t financially prepared for the legal fees, taxes, and administrative expenses that come with dying. Without a financial plan, these costs can significantly reduce the value of your estate and the legacy you leave behind for your loved ones.
To prevent your loved ones from settling costs out of pocket or face delays in accessing your estate, it’s important to understand the legal fees and expenses you need to cover when you pass away.
Here are some of the fees to consider when taking out
estate cover:
- Executor fees: This is the industry-standard fee charged by the executor to wind up your estate.
- Conveyancing attorney fees: The fee charged by the conveyancing attorney when property needs to be transferred.
- Clearance fees: One of the requirements to transfer property is to obtain a clearance certificate from the city council or municipality. This will only be issued if the rates and taxes are paid in advance. Some areas require up to 6 months paid in advance.
- Testamentary (Will) Trust fees: The fee charged by the trustees to administer the trust you create in terms of your Will, usually to look after the money you leave to your minor children.
- Master fees: The fee paid to the Master of the High Court regarding fulfilling their role in your estate's administration.
- Correspondence fees: Fees associated with corresponding with the Master of the High Court.
- Advertisement costs: Two advertisements must be placed in a local newspaper and the Government Gazette. Costs will vary depending on the publication selected.
- Other immediate expenses: Costs associated with arranging a funeral like catering, travel, or other expenses.
- Tax: One of the executor's first jobs is to ensure that SARS is paid what is owed to them.
Why choose the Estate Provider Benefit
It is an estate plan ensuring there's enough money in your estate to help settle debt and professional and administrative fees charged during the administration process.
What you’ll get
A professionally drafted Will
Momentum Trust will keep this in safe custody for you.
An instant cash amount
Paid to your nominee within 1 working day after Momentum receives the death claim.
Professional fee benefit
After settling 100% of the executor fees, the remaining money will be used to pay for other associated fees and administration costs.
A death benefit worth R300 000 or more
Offered in conjunction with Momentum life insurance.