Plans Built For Your Stage of Life
See if our plans fit your needs — before life forces you to find out the hard way.
MyProtector's plans are priced to match your life situation.
A membership-based approach to family protection and estate administration.
A complete legal and estate plan that ensures your wishes are clearly defined, legally enforceable, and ready to be carried out when it matters most. MyProtector prepares and connects the essential legal structures, estate administration, and support services required to protect your family, your assets, and your legacy — without gaps, delays, or confusion.
Let’s explain…
These services are more than separate products — together, they form one connected personal protection and legacy system designed to support your life today, your family tomorrow, and the future you leave behind. Scroll through to see how each service works together as part of one complete life plan.
Your secure personal vault is provided for you and your family, with all planning and estate data accessible at any time.
An income-earning system is offered and ready to activate with no upfront fees.
Incorporate the Emergency services so every family member is protected and first respondres can help instantly.
Your legal will is pre-drafted, securely stored, and ready to enforce your wishes.
Estate management is set up to activate automatically, ensuring smooth administration and maximum inheritance.
Your children's guardianship arrangements will be legally prepared by a qualified attorney.
Your family heritage trust will be legally prepared to preserve assets and secure your legacy for future generations.
Each membership includes a core set of essential legal, estate, emergency coordination, and legacy planning services available to every member and their family. Plans differ by the depth and scope of support provided, aligned to the complexity and value of your estate and personal circumstances. Compare below to select the membership that best fits your needs and long-term objectives.
This Prestige Plan is designed for individuals and families with more complex planning needs. It provides enhanced access to foundational services that help structure and manage your financial and legal affairs, supported by a network of professional legal service providers. This Legal & Estate Plan option applies to members whose net dutiable estate does not exceed the current statutory estate duty abatement threshold (currently R3.5 million).
| Description | Benefactor | Benefits |
| Principal Member (With or Without Spouse and Children) (Protection is determined by your quote) | * Principal member + | Full Services |
| Additional Legal Dependants | ** Legal Dependants | Limited Age |
Technology
You and your family get a private and secure vault each, to store all your planning and estate data. This gets linked to your executor and our administration team.
| Description | Benefactor | Benefits |
| Legal & estate planning educational guides | * Principal member + | Included |
| Latest vault technology and data security | * Principal member + | Included |
| System back-ups off site with Microsoft Azure | * Principal member + | Included |
Family Administration Services
When tragedy strikes, your family will have to manage all your affairs alongside your executor and other professionals. Myprotector will provide them with unique services and support, so they don't have to worry about what to do and how to manage everything.
| Description | Benefactor | Benefits |
| 24/7 family support centre service | * Principal member + | Included |
| Case manager gets assigned to your family when you pass away | * Principal member + | Unlimited |
| Notification to your listed personal contacts about your passing away | * Principal member + | Unlimited |
| A dossier of completed tasks gets handed to your family | * Principal member + | Included |
| Your financial advisor gets access to ALL your policy information | * Principal member + | Unlimited |
| Your estate executor gets access to ALL your vault information | * Principal member + | Included |
| Notification to your listed employer about your passing away | * Principal member + | Included |
| Link your Heritage work to your family archive | * Principal member + | Included |
Our attorneys will work with you to prepare your advanced legal will and stand available to advise you about what issues you need to look out for when planning for your legal wishes, such as guardians for your kids and donations to charities and if life insurance is needed.
Note: When we prepare your Legal Will, our attorneys will include all necessary clauses to ensure that the terms of this agreement are followed when winding-up your and your family's deceased estates.
| Description | Benefactor | Benefits |
| Advanced Single Legal Will drafting | * Principal member + | Included |
| Advanced Testamentary Trust drafting | * Principal member + | Included |
| Advanced Living Will document drafting | * Principal member + | Included |
| Existing Legal Will update | * Principal member + | Included |
| Discounted group products & services | * Principal member + | Included |
| Description | Benefactor | Benefits |
| MyProtector coordinates independent attorneys to deliver the services outlined in the SLA for deceased estate administration on behalf of members. | * Principal member + | Unlimited |
Executor Services
| Description | Benefactor | Benefits |
| Standard Service: Beneficiaries will not be required to pay executor fees directly, provided the executor is appointed through MyProtector. | * Principal member + | Unlimited |
Testamentary Trust Administration
| Description | Benefactor | Benefits |
| Discounted Service COST: MyProtector coordinates independent trustees to administer testamentary trusts for nominated beneficiaries. Administration fees are pre-agreed and fixed, rather than based on a percentage of estate value. | * Principal member + | Limited |
Estate Bank Account Setup
| Description | Benefactor | Benefits |
| Standard Service: An independent executor will open and manage a 'Late Estate' bank account to facilitate the administration process. | * Principal member + | Unlimited |
Bond Cancellation (Primary Property)
| Description | Benefactor | Benefits |
| Standard Service: Where required, MyProtector coordinates the cancellation of bonds on the primary residence and covers the associated service costs. | * Principal member + | Unlimited |
Conveyancing Attorney Services
| Description | Benefactor | Benefits |
| Standard Service: MyProtector coordinates conveyancing services related to the primary residence within the estate, ensuring property transfers are handled efficiently. | * Principal member + | Limited (Excl Children) |
Estate Duties, Taxes And Statutory Cost Allocations
| Description | Benefactor | Benefits |
| Standard Service: Any Estate Duty, Capital Gains Tax, statutory taxes, government-imposed charges, debts or other liabilities payable by law remain the responsibility of the estate, unless separately covered under an optional approved liquidity or insurance benefit. | * Principal member + | Limited (Excl Children) |
Master's Office Fees
| Description | Benefactor | Benefits |
| Standard Service: Fees charged by the Master of the High Court for deceased estate administration are covered. | * Principal member + | Unlimited |
Advertising Fees
| Description | Benefactor | Benefits |
| Standard Service: Costs for required estate advertisements, including local newspaper and government gazette notices (up to 2), are covered. | * Principal member + | Unlimited |
Key Contact Notification Service
| Description | Benefactor | Benefits |
| Standard Service: MyProtector ensures that key contacts — including family members, executors, and financial advisors — are notified and kept informed throughout the process. | * Principal member + | Unlimited |
When a person passes away, their estate may become liable for certain statutory taxes and duties, such as estate duty, depending on the total value and structure of the estate. These obligations must be paid before assets can be fully distributed to beneficiaries.
Estate Liquidity Cover is a voluntary policy benefit designed for one purpose only: To provide funds to settle estate duty and other statutory tax obligations that may arise on death above the 3.5 million nett valuation.
Liquidity Bridge Cover is made available through MyProtector as part of its aggregated estate protection offering, in partnership with licensed insurers.
| Description | Benefactor | Benefits |
| 1. Reframing Life Insurance as Estate Settlement Liquidity You get a small, liquidity-focused life policy that creates a fundamentally different insurance proposition, It becomes: “prevent estate friction and forced asset disruption at death” That shift is what drives: • lower premiums • better persistency • cleaner underwriting • higher product relevance for a targeted estate band |
* Principal member + | Separately Quoted |
Accidental Death Cover provides a lump-sum payment if the member dies as a result of a covered accident. The benefit is paid by the insurer to either the member’s estate or a nominated beneficiary, according to the member’s chosen beneficiary arrangement and the insurer’s policy terms.
Accidental Death Cover is made available through MyProtector as part of its aggregated estate protection offering, in partnership with licensed insurers.
| Description | Benefactor | Benefits |
| 1. Providing financial support when death occurs You can get a lump sum payment from an accidental death policy that creates a financial benefit to your nominated beneficiary: • lower premiums • better persistency • no underwriting • higher product relevance for a targeted estate band |
* Principal member + | Separately Quoted |
Unlimited
MyProtector's Prestige Plan is limited up to R5 million in estate asset value. Unlimited refers to anything up to this amount. Any services above this value will be billed for at it's applicable industry standard rates.
** Legal Dependants (children)
MyProtector services is extended to your legal dependants (Children). The maximum age limit is 25 yrs old. Protection is provided as long as your membership is active and not on hold or on freeze.
* Principal member +
Protection for all family members included in your quote. The services agreement will run until all deceased estates have been completely wound-up and finalised by the relevant High Court.
Included
The services marked with 'INCLUDED' are covered in your monthly subscriptions and are provided by Myprotector's inhouse attorneys and consultants only.
Guardian trust document
Billed for if membership is cancelled within 2 years
Generational wealth family trust
Billed for if membership is cancelled within 2 years
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.
(1) Ambulance Benefit Limitations
The benefits are limited annually and can be claimed for up to one event per year / per person. The full benefits become available again with each consecutive year.
(2) Vehicle towing Benefit Limitations
The benefit only pertains the vehicle directly involved in an accident and where the driver is legally registered to be driving the vehicle and the vehicle being insured. The towing organisation must be registered and comply with the National Road Traffic Act (No.93 of 1996).
* Myprotector network attorney co-payment fees per annum
This is an attorney who is networked to Myprotector and who offer our members a service as described in the list of services. The benefits and services plans provide only for the personal matters listed above and once you receive services from a network attorney, you cannot then use a Myprotector attorney for the same matter and visa versa. Myprotector will subsidise the cost of services up to certain maximums per person / per each service / per annum. There is also an initial waiting period of 3 months.
Refusal conditions
Myprotector reserves the right to refuse services when: Intentional or purposeful contravention of any law or voluntary participation in any uprising, riot, revolt, disorder, strike, mutiny or war; partaking in any risky or dangerous employment not communicated to Myprotector; deliberately self-inflicted death; falsifying details on application; involvement in fraud, criminal activity or misrepresentation; benefits related to illness or medical emergency not arising from accident; pre-existing critical illness (chronic conditions).
Note: This is not a medical scheme nor is it a substitute for medical scheme membership and the cover is not the same as that of a medical scheme.
See if our plans fit your needs — before life forces you to find out the hard way.
MyProtector's plans are priced to match your life situation.
MyProtector Legal & Estate Plans are designed for ordinary South African families with straightforward estates.
Our ideal members typically:
Differences in approach between traditional insurance products and membership-based planning services
| LIFE INSURANCE AGE RATED PREMIUMS |
VS | MYPROTECTOR MEMBERSHIP SERVICES |
|---|---|---|
| Limited to a single person's risk and payout at death | support planning for multiple family members under the same subscription account | |
| Premium escalations make it unaffordable over time | membership fees remain structured and predictable under the selected plan | |
| The goal is to increase your assets for future generations and not to downsize as you get older. This also increases your estate value and therefore the costs of estate administration | Membership services include all the necessary estate administration services, which leaves your full asset values for future generations to inherit | |
| If your estate value increases, you would have a shortfall in the policy and may need more cover | Your premiums are for services rendered and not based on estate values, so they remain fixed | |
| If your estate value decreases, your premiums stay high and are therefore over priced | Your premiums are for services rendered and not based on estate values, so they remain fixed | |
| Policy covers one person's death and not children's death | Includes planning support for children up to age 18 yrs or 25 yrs old | |
| Policies only pay out on the insured's death and your surviving partner needs to take out their own policy, making it more expensive later in life - if not impossible | Our couples policy continues to protect both peoples' deceased estates no matter when either passes away | |
| If policy paid into estate, it will increase estate attorney fees | Estate administration support is included under the membership structure (subject to plan terms) | |
| Insurer will impose loadings (eg: smoker) etc | No loadings imposed | |
| The elderly might not be accepted | Acceptance age limit of 50 yrs old and younger, reducing cross-subsidised premiums | |
| Not accepted due to being previously declined, hazardous activities & occupations | No exclusions for any of these (T's & C's applicable) | |
| Not accepted due to income limitations | Small membership fee makes it affordable for more people | |
| Policy payout can be delayed and would effect the deceased estate processes | Our services are coordinated when required and not restricted to delays | |
| Life cover offers flexibility to provide for all deceased estate risks | We offer a full services suite to eliminate the gaps | |
| Life insurers only offer financial support | Memberships offer additional services to be more comprehensive | |
| If you cancel or lapse your policy, it may require you to take out a new policy that includes new loadings and health assessments if you want to redo it | We offer premium freeze and cost cap solutions to help members with their financial payment difficulties |
Explore each Featured Solution to see how MyProtector carefully selects and integrates services that solve real legal, financial, and generational planning challenges — and how membership gives you access to them.
Estate Liquidity Cover is a voluntary liquidity policy benefit designed for one purpose only: To provide funds to settle estate duty and other statutory tax obligations that may arise on death above the 3.5 million nett valuation.
Accidental Death Cover provides a lump-sum payment if the member dies as a result of a covered accident. The benefit is paid by the insurer to a nominated beneficiary and the insurer’s policy terms.
Many people already pay for estate or life insurance — but few realise those policies can be structured far more effectively.
Instead of funding high administration expenses, your existing policies can often be repurposed to support what truly matters — protecting guardians, funding trusts, and building long-term generational security.
For Membership Enquiries →
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