prod
retail.momentum.co.za
menu
Young married couple calculating the value of their estate to determine the estate cover they need to settle their costs of dying with Momentum’s Estate Provider Benefit. Young married couple calculating the value of their estate to determine the estate cover they need to settle their costs of dying with Momentum’s Estate Provider Benefit.

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. 

A woman's hands are holding a calculator whereby she's calculating the cost to wind up her estate.

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

Illustration of a pen and signed Will.

A professionally drafted Will

Momentum Trust will keep this in safe custody for you.

An illustration of a red wallet.

An instant cash amount

Paid to your nominee within 1 working day after Momentum receives the death claim.

Illustration of a red balance scale.

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.

Illustration of tombstone.

A death benefit worth R300 000 or more

Offered in conjunction with Momentum life insurance.


Estate cover FAQs

The Estate Provider Benefit saves money by not incurring additional executor's fees, unlike standard life cover. Additionally, it goes beyond just providing life cover by also offering an instant cash benefit payable to your nominee, a discount on executor's fees and includes a free professionally drafted Will with free safe custody services from Momentum Trust.

Before committing to the policy, you can structure and adjust the benefit and premium increases to manage long-term affordability concerns.

Yes, to fully unlock the benefits, Momentum Trust must be appointed as the executor of your estate.

Contact Momentum Trust




Office hours are Monday to Friday from 08:00 to 16:00. Closed on weekends and public holidays.

We and our selected partners use cookies to enhance and personalise your experience on our website. Please see our cookie policy for more information.

To enhance your user experience on our site, learn more about our supported browsers

Your browser's cookies are disabled. Enable cookies to ensure our website functions correctly. View our Privacy Notice.