| Product and services specs |
|
Option benefits |
Description
[ Listed services ] |
Limitations
[ T's & C's Apply ] |
Myprotector
(inhouse Advisor) rate |
Club |
Classic |
Essential
|
|
|
Private Cloud Vault hosting technology worth: R245 000 (per person) |
If you don't have a way to manage your deceased estate, you place a burden on your family to do this for you. This creates huge stress because the tasks are complicated and admin intensive. The courts will also insist on an agent/executor getting involved who will charge your family fees for doing so. Your family could also lose their home to pay for debts or they may need to find the funds to cover your debts to protect their home from being sold, which could leave them with even more stress. |
52 planning database forms |
Private services worth R125 000 |
Deceased Estate wind-up technology worth R110 000 |
|
Includes LEGAL services and education:
|
Legal education is covered by Myprotector and associated advisors. |
Basic SINGLE Legal Will template - drafting by yourself |
** Whole family |
FREE |
|
YES |
YES |
YES |
Basic JOINT Legal Will template - drafting by yourself |
** Whole family |
FREE |
YES |
YES |
YES |
Advanced SINGLE or JOINT Legal Will drafting by Myprotector |
Subject to independent assessment |
QUOTED |
YES |
YES |
YES |
Existing Legal Will update by Myprotector legal team |
Subject to independent assessment |
QUOTED |
YES |
YES |
YES |
Basic Power of Attorney document template - drafting by yourself |
** Whole family |
FREE |
YES |
YES |
YES |
Basic Living Will document template - drafting by yourself |
** Whole family |
FREE |
YES |
YES |
YES |
|
Includes FINANCIAL services and education: |
Financial education is covered by Myprotector and associated advisors. |
Financial planning strategy |
** Whole family |
FREE |
|
YES |
YES |
YES |
Personal goals and aspirations hub |
** Whole family |
FREE |
YES |
YES |
YES |
Additional online financial assessment and needs analysis |
Subject to independent assessment |
QUOTED |
YES |
YES |
YES |
Online financial education articles and support |
** Whole family |
FREE |
YES |
YES |
YES |
|
Includes ESTATE services and education: |
Estate education is covered by Myprotector and associated advisors. |
Estate planning strategy |
** Whole family |
FREE |
|
YES |
YES |
YES |
Estate education and support |
** Whole family |
FREE |
YES |
YES |
YES |
Additional online estate liability assessment and needs analysis |
Subject to independent assessment |
QUOTED |
YES |
YES |
YES |
Deceased estate family management system at death |
** Whole family |
FREE |
NO |
YES |
YES |
Legal will storage |
** Whole family |
FREE |
NO |
YES |
YES |
Testamentary trust fees |
Single + Principal member and spouse |
FREE |
NO |
YES |
YES |
Conveyancer fees for transferring the property at death |
Single + Principal member and spouse |
Up to 100% of accum annual threshold |
NO |
YES |
YES |
Master's fees for administering the estate at death |
Single + Principal member and spouse |
FREE |
NO |
YES |
YES |
Income tax and capital gains |
Single + Principal member and spouse |
Up to 100% of accum annual threshold |
NO |
YES |
YES |
Creditors against the estate |
Single + Principal member and spouse |
Up to 100% of accum annual threshold |
NO |
YES |
YES |
Deceased estate advertising costs at death |
Single + Principal member and spouse |
FREE |
NO |
YES |
YES |
Deceased estate executor fees if estate is valued at LESS than R1 Million |
Single + Principal member and spouse |
FREE |
NO |
YES |
YES |
Discounted executor fees if estate is valued at MORE than R1 Million
(Anything above 1 million, then STD fees @ 2%) |
Single + Principal member and spouse
|
QUOTED |
NO |
YES |
YES |
|
Includes myICE EMERGENCY services and education: |
Emergency education is covered by Myprotector and associated advisors. |
myICE emergency planning strategy |
** Whole family |
FREE |
|
YES |
YES |
YES |
myICE emergency education and support |
** Whole family |
FREE |
YES |
YES |
YES |
myICE emergency CODE |
** Whole family |
FREE |
YES |
YES |
YES |
Additional myICE emergency CODES |
Subject to online selection |
ONLINE QUOTED |
YES |
YES |
YES |
|
Includes HERITAGE services and education: |
Heritage education is covered by Myprotector and associated advisors. |
Heritage planning strategy |
** Whole family |
FREE |
|
YES |
YES |
YES |
Heritage education and support |
** Whole family |
FREE |
YES |
YES |
YES |
Family Heritage Archive |
** Whole family |
FREE |
YES |
YES |
YES |
Additional Family Trust assessment and needs analysis |
Subject to independent assessment |
QUOTED |
YES |
YES |
YES |
Trust protector services for your own trust |
Subject to independent assessment |
QUOTED |
YES |
YES |
YES |
Produce a physical life story Book for your family |
Subject to independent assessment |
QUOTED |
YES |
YES |
YES |
|
Administration Services (After passing):
|
Myprotector will pay the deceased estate executor fees ONLY if appointed as executor to your estate and if you are an active subscriber. |
24/7 family support centre service |
** Whole family |
FREE |
|
YES |
YES |
YES |
Case manager gets assigned to your family when you pass away |
** Whole family |
FREE |
YES |
YES |
YES |
Notification to your listed personal contacts about your passing away |
** Whole family |
FREE |
YES |
YES |
YES |
A dossier of completed tasks gets handed to your family |
** Whole family |
FREE |
YES |
YES |
YES |
Your own financial advisor gets access to your policy information |
** Whole family |
FREE |
YES |
YES |
YES |
Your own estate executor gets access to ALL your estate information |
** Whole family |
FREE |
YES |
YES |
YES |
Notification to your listed employer about your passing away |
** Whole family |
FREE |
YES |
YES |
YES |
Link your Heritage work to your family archive |
** Whole family |
FREE |
YES |
YES |
YES |
Wind-up of deceased estate if we are appointed the executor |
Subject to terms and conditions |
FREE or QUOTED |
YES |
YES |
YES |
| |
Accumulative Annual Thresholds (After passing): |
0 - 6 Months = R0 |
The Threshold services are subsidised by Myprotector up to specified values which then accumulate towards the annual threshold overall limits. When you reach your threshold limit, then your estate will be responsible to pay the outstanding cost of the service. |
7 - 12 Months = R5 000 |
2nd Year = R12 000 |
3rd Year+ = R25 000 |
|
|
No medicals required |
With all policies, it's important to have rules that help everyone participate in the benefits. So we set about making our business accessible to most people. |
Minimum entry age 18, max entry age 65 |
No sign-up waiting period |
| |
| Notes: |
** Protection for the whole family (Max 6 users per subscription). Whole family is classified as immediate and legal (adopted etc) family members ONLY. |
| Payer - The person or organisation who makes the monthly contributions to Myprotector on behalf of a family. If the payer skips the monthly contributions, then the result will cause some of the benefits to be closed for all family members. |
| Principal member - The person who first signs-up to Myprotector and distributes the 5 free PCV's to other family members. |
