Estate Duty & Legacy Cover

Whole life & Endowment Ensuring a Smooth, Tax-Efficient Transfer of Wealth

For high-net-worth South Africans, estate duty can significantly reduce the value of assets passed to heirs. Without proper planning, beneficiaries may be forced to sell properties, businesses, or investments to cover these costs. Estate duty & legacy cover provides the liquidity needed to settle taxes and other expenses — allowing your wealth to transfer intact, according to your wishes.

At Vereles Wealth, we structure estate duty cover as part of a comprehensive legacy strategy. We work closely with legal and tax specialists to ensure your estate is protected, your heirs are financially secure, and your legacy is preserved.

Immediate Liquidity – Funds available quickly to cover estate duty, executor fees, and other costs.

Asset Preservation – Prevents forced sales of property, businesses, or investments.

Predictable Payouts – Guaranteed cover regardless of market conditions.

Tax-Efficient Structures – Policies designed to minimise the overall tax burden.

Global Applicability – Solutions for estates with cross-border assets.

Estate duty in South Africa is charged at 20–25% of the dutiable value of an estate.

Complex estates often require cash settlements within tight timelines.

Without planning, heirs may face asset erosion and legal complications.

Estate duty cover is not simply an insurance product — it is a safeguard for your life’s work, ensuring that your wealth passes to the next generation as intended, without compromise.