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Online Will

It’s never too early or too late to start thinking about drafting a will.

A will stipulates how your property, possessions, money and other assets will be distributed when you pass away, giving you peace of mind that your estate will be taken care of. If you require a will that is simple and straightforward, our online will is exactly what you need. It is easy to complete and once submitted, you’ll be able to print out and sign your will there and then.

If you suspect that your will might be more complicated (for instance because there are children from a previous marriage, complex business arrangements and specific wishes), contact us on +27 21 947 5673 or email us.

How it Works

How the online will form and process works.

View FAQ

View the Frequently Asked Questions.

Draft Your Will

Complete the online form to create your will.

Why You Also Need Life Cover

Ensure your estate is solvent.

How it works

When drafting your online will, you will have the option of selecting either a single will or a joint will.

Joint Will: Married or Co-habiting

  • This will assumes that you are either married or co-habiting
  • Upon death, the surviving spouse or life partner will be the sole heir
  • Provision is made for children, as well as offspring of children who have passed on
  • Should both partners pass away simultaneously, the children will inherit the estate
  • Should the entire family pass away, 50% of assets will be left to your parents and 50% to your in-laws or your partner’s parents
  • A choice of burial or cremation can be selected and will apply to both clients

Single Will: Married or Co-habiting

  • Upon death, the surviving spouse or life partner will be the sole heir
  • Provision is made for children, as well as offspring of children who have passed on
  • Should both partners die simultaneously, the children will inherit estate
  • Should the entire family pass away 50% of assets will be left to your parents and 50% to your in-laws or partner’s parents
  • Choice of burial or cremation

Single Will: Unmarried – Estate to children

  • Provision is made for children, as well as offspring of children who have passed on
  • Should you pass away, your children will inherit the estate
  • Should the entire family pass away, all assets will be left to your parents
  • Choice of burial or cremation

Single Will: Unmarried – Estate to parents

  • Should you pass away, your assets will be left to your parents
  • Choice of burial or cremation

After completing the online will

  • An email will be sent to the email address provided
  • Please review, print and sign the will
  • Take the printed and signed copy to your nearest Sanlam Client Care Centre, who will ensure that your will is complete and will deliver it to Sanlam Trust for safe storage in our vault at a small annual fee of R57.
  • Alternatively you can send the documents via courier to: Sanlam Trust, Sanlam Head Office, 2 Strand Road, Bellville, 7530. You can also post the documents to: P.O. Box 1260, Sanlamhof, 7532

Sanlam Trust Safe Storage

Once you’ve completed and submitted the online will form, an email with an electronic copy of your will be sent to the address provided. Once you’ve printed and signed your will it needs to be sent to Sanlam Trust for safe storage. For only R57 per year, Sanlam Trust will place your will in safe storage, as well as provide you with the following additional services:

  • A potential saving of R1 750 on executor’s fees on an estate of R1 million
  • An additional 5% discount on executor’s fees on estates larger than R950 000 (terms and conditions apply)
  • Electronic storage of some official documents of your choice – for example, the transfer deed of your property or an ante-nuptial contract. You will have access to these documents via the Sanlam client portal
  • Free review of your will
  • Quality and control checks to ensure the validity of your will
  • Drafting of a living will if you need one
  • An electronic client newsletter twice a year
  • Regular notifications on changes in legislation that may impact your will

Please note: In case of a joint will, only one of the partners needs to pay for the safe storage of the will. If one of you is 65 years or older, you automatically apply for free safe storage. The same applies if you are 65 years or older, and you have selected a single will.

Draft Your Will

View FAQ

If a person dies without a will, it could lead to severe administrative, tax and legal problems and possibly also lead to financial losses.

In your will, you determine how your assets should be divided, and nominate an executor and trustee to take care of the division of the estate's assets and to handle the administration of any trust assets.

You have the right to name heirs as you wish in your will. If you don't, your assets will be divided according to the Intestate Succession Act, No 81 of 1987, after your death. This could mean that persons you would have preferred not inherit from you, could inherit.

Your will therefore determines the future of everything that you've built up through the years – and your heirs can be directly disadvantaged if you don't plan correctly. Estate duty, income tax, VAT and capital gains tax (CGT) can take a big chunk out of your estate if your planning is wrong.

If you suspect that your will might be more complicated (for instance because there are children from a previous marriage, complex business arrangements and specific wishes), contact us on +27 21 947 5673 or email us.

The executor of your estate must administer your estate in terms of the Administration of Estates Act 66 of 1965, and any other relevant Acts, and execute your estate in accordance with the stipulations of your will (or Intestate Succession Act, when applicable) under supervision of the Master of the High Court. The executor is the company, firm or person that you appointed in your will.

The appointment of an executor is a big responsibility. You may appoint your spouse, but this is in most cases not a good idea, since your spouse could be emotionally shattered and not ready to take important financial decisions.

Without the necessary knowledge, your spouse will also not know where to get the best advice or service. Your spouse may be exposed to someone serving his own interests, in which case the estate's chequebook might end up in the wrong hands.

Approaching a reputable company or section of a company specialising in wills, estates and trusts is a much safer idea:

  • You will enjoy the benefits of specialised experience and knowledge
  • Your estate will be handled deftly and professionally and you are ensured of objective advice
  • You enjoy complete security through internal control
  • Sophisticated computer systems ensure top quality service

As a leading trust company in South Africa, Sanlam Trust offers expert management of deceased solvent estates and living and testamentary trusts. Sanlam Trust can act as executor of your estate and trustee of your trust. Contact us on +27 21 947 5673 or email us.

An annual fee of R57 will be charged to manage and securely store your will in a vault.

The content of a Shariah will is fixed and complies with Muslim or Islamic laws. If you would like to compile a Shariah will please contact Sanlam Trust on +27 21 947 5673 or email us.

If you or your beneficiaries have any queries or would like to make changes to the will, please contact Sanlam Trust on +27 21 947 5673 or email us.

Why You Also Need Life Cover

A high percentage of estates turn out to be insolvent and, despite having a will, your dependents are then left with nothing. Even worse, dependents can be left with outstanding debts to repay. You can prevent this by ensuring that you have sufficient life cover so that your dependents can benefit from your will.

Sanlam’s life insurance cover offers maximum choice and flexibility as well as higher cover amounts at attractive rates. You can combine life insurance, disability cover, critical illness cover and income protection with additional offerings, such as accident cover. The type and level of cover you need depends on your personal needs and circumstances.

Find out more about our life insurance products or get an online quote.

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