LPP — Legacy Protection Plan
A professionally drafted will, plus cover for the estate fees that quietly erode what you leave behind. Ideal if you're getting your affairs in order for the first time.
Complete estate protection
Our Services
From your first will to full estate protection — two plans, LPP and My Cover, designed to make sure more of what you build reaches the people you love.
Will Drafting & Secure Storage
A valid, professionally drafted will is the foundation of every legacy. At Matla X, will drafting is free on every plan — because protecting what you've built should begin without a barrier.
- A personal consultation with a qualified estate consultant
- A full estate needs analysis tailored to your situation
- A custom will — including testamentary trusts for minor children
- Secure vault storage of your original will document
- Free updates to your will as your life changes
Did you know? Only 30% of South Africans have a valid will. Without one, the Intestate Succession Act decides who inherits — not you.
Your will, professionally done
- Drafted by qualified practitioners, not an online template
- Testamentary trusts to protect your minor children
- Stored safely — never lost or misplaced
- Updated free as your life evolves
The Legacy Protection Plan™
Our flagship offering brings will drafting, fee indemnity and cash benefits together in two simple plans — so you can choose exactly the level of protection your family needs. Every plan includes free will drafting and secure storage.
| Plan features | LPP Legacy Protection Plan From R108 | Recommended My Cover Full protection + cash From R228 |
|---|---|---|
| Free will drafting & secure storage | ✓ | ✓ |
| Estate fee cover (executor, conveyancing, trust) | Up to 90% | 100% |
| Personal estate consultant | ✓ | ✓ |
| Immediate cash for your family | ✕ | ✓ |
| Monthly household & essential-service cover | ✕ | ✓ |
| Extra cover if both spouses pass | ✕ | ✓ |
| Maximum entry age | 80 years | 70 years |
| Choose LPP | Choose My Cover |
The Legacy Protection Plan™ is underwritten by Guardrisk Life Ltd and offered in partnership with Capital Legacy, an authorised FSP. Premiums are risk-profile dependent and subject to annual review; the figures shown are starting points — your Matla X consultant will confirm your exact premium and benefit limits.
Which plan is right for you?
A simple starting point. Your consultant will tailor the final recommendation to your specific estate.
My Cover
Everything in LPP, plus cash your family can use immediately and cover for the costs that pile up while an estate is wound up. The choice for families who want nothing left to chance.
Your will, your beneficiaries, your estate
Protecting your legacy starts with your will — and reaches every part of what you leave behind.
Your will
- Free drafting with unlimited amendments
- A specialist consultant on your side
- Free collection and safekeeping of the original
Your beneficiaries
- A testamentary trust for your children and spouse
- Care for loved ones living with a disability
- A personal estate consultant by your side
Your estate
- Up to 100% cover for estate costs
- Choose any executor you trust
- Administered by in-house professionals
My Cover adds more: monthly household and essential-service cover, immediate cash for your dependents, and cover for the extra costs to your estate if both spouses pass away.
Cover for costs families don't see coming
Maximum Indemnity Benefit™ (MIB™)
Covers the professional fees that can quietly erode an estate, so more reaches your beneficiaries.
- Executor fees (3.5% + VAT on gross estate)
- Testamentary trust fees
- Conveyancing fees
Available up to 90% on LPP and 100% on My Cover.
Immediate Liquidity™ (My Cover)
When a loved one dies, the bank freezes their accounts immediately. Immediate Liquidity™ provides fast cash to cover:
- Funeral and related costs
- Travel for family members
- Groceries and urgent day-to-day expenses
Estate Overheads Protector™ (My Cover)
Estates can take 9–12 months to wind up. This benefit funds ongoing costs during that time:
- Master's Office fees
- Rates and taxes on property
- Medical aid and utilities
Expert hands for the work that follows
Deceased Estate Administration
Full end-to-end estate administration handled by our in-house specialists, with integrated conveyancers and tax practitioners. Families track progress through an online beneficiary portal, with most estates finalised in 9–12 months.
Report a deceased estateTrust Management
Professional, ongoing management of testamentary trusts — the secure alternative to the government's Guardian's Fund, which becomes the default destination for a minor's inheritance when no trust is in place.
Learn about trust structuresHow we get your will in place
We make it easy — most of the work happens around your schedule.
Share your details
Tell us a little about you, and we'll book an appointment at a time and place that suits you.
Personalised consultation
A qualified consultant meets with you to understand your needs and guide you through drafting your will.
We draft your will
Within 48 hours you receive your first draft to review and amend until it's exactly right.
Signed & collected
Once you've signed, we collect and securely store your will — at no cost to you.
Not sure which plan you need?
A free consultation is the easiest way to find out. We'll analyse your estate and recommend the right protection — with no obligation.