
What happens to your debt when you die
Debt does not die with you – it becomes part of your estate, potentially affecting what your family inherits and how quickly they can access it.

Debt does not die with you – it becomes part of your estate, potentially affecting what your family inherits and how quickly they can access it.

Capital Legacy’s research shows how liquidity gaps, complex administration, and inadequate information can affect families after a death.

Sanlam’s survey finds that major family events are powerful catalysts for will-making, while financial advisers are also well placed to prompt clients to act.

Estate planning for digital assets must address a critical practical problem: ensuring executors can find and access them without compromising security during your lifetime.

Common law marriage doesn’t exist in South Africa, leaving cohabiting couples vulnerable in estate and tax matters. A cohabitation or universal partnership agreement can offer crucial financial protection.