Protect your family, preserve your legacy and plan for the costs of dying.
Plan your will, protect your beneficiaries and prepare for estate costs with professional guidance from Lebon Consulting and access to legacy planning solutions from Sanlam, Momentum and Discovery.
Three legacy partners. One advice-led plan.
Estate planning is not only about having a will. It is about making sure your family has clarity, liquidity and professional support when they need it most. We start with your family, your assets and your wishes — then consider suitable estate liquidity and legacy planning options across our provider panel.
What we plan for
A well-planned estate does not surprise the family.
When someone passes away, their estate may need to settle a range of fees, duties and immediate family expenses before assets can be transferred to beneficiaries. Without proper planning, families face delays, cash flow pressure and uncertainty at the worst possible moment.
A clear estate plan estimates these costs in advance — and considers how to provide the liquidity needed when it matters.
- Executor fees
A statutory percentage of the estate, payable from estate assets.
- Master's fees
Fees levied for the official administration of a deceased estate.
- Conveyancing & transfer
Costs to transfer immovable property and cancel registered bonds.
- Taxes & duties
Estate duty, capital gains and other applicable tax obligations.
- Liquidity shortfalls
Cash gap when assets exceed the estate's accessible cash.
- Immediate family costs
Funeral, household, school fees, transport — needed within days.
The pieces of a complete estate plan.
From your will to liquidity, immediate family cash flow and the long-term legacy you want to leave behind.
Your Will
A valid, current will is the foundation of every estate plan. We help with beneficiary planning, executor nomination, guardianship for minor children and alignment between your will and your wider financial plan.
Your Beneficiaries
Spouses, children, dependants with special needs, business partners and trust beneficiaries — structured to protect the people who depend on you.
Estate Liquidity
Even valuable estates can run short on accessible cash. We help estimate liquidity needs and consider suitable solutions.
Immediate Cash Flow
Funeral costs, household bills, school fees and transport — money your family may need within days of a loss.
Administration Costs
Executor, Master's, conveyancing, trust and professional fees — estimated upfront, not discovered later.
Trusts, Business & Long-Term Legacy
Testamentary trust planning for minor children, business continuity arrangements, and structured wealth transfer for the next generation.
Three estate planning partners, compared on suitability.
Sanlam Legacy Plan remains a specialised option in our panel — alongside Momentum and Discovery solutions.
Panel partnerSanlam Legacy Plan
A specialised estate planning solution designed to help cover qualifying deceased estate costs and provide liquidity support where applicable.
- Will planning support
- Estate cost calculations
- Indemnification of qualifying estate fees
- Immediate liquidity benefits, plan dependent
- Estate overhead and gap cover, plan dependent
- Professional estate administration support
Suitable for clients who want a structured solution focused specifically on the unexpected costs of dying and the administration of their estate.
Panel partnerMomentum Legacy & Estate Solutions
A range of financial planning and risk solutions that can be used as part of a broader estate planning strategy.
- Life cover for estate liquidity
- Beneficiary protection
- Business assurance planning
- Debt settlement planning
- Family income protection
- Retirement & investment-linked considerations
Suitable for clients who need estate planning to form part of a broader financial plan, including life insurance, investments, retirement and family protection.
Panel partnerDiscovery Legacy & Estate Solutions
Financial and risk planning solutions that can support estate planning, life cover and family protection needs.
- Life insurance for estate liquidity
- Severe illness & disability planning
- Beneficiary protection
- Financial wellness-linked planning
- Integrated cover structures
- Cover for families, professionals & business owners
Suitable for clients who value integrated financial protection and want their estate plan to align with broader insurance and wellness planning.
A six-step process — advice-led from start to review.
MyBenefitz is a product of Lebon Consulting, operating as its Juristic Representative. Begin digitally — our advisers take it from there with a written estate planning recommendation.
- 01Consultation
Family, assets, debts, dependants, business interests and estate objectives.
- 02Estate cost calculation
Estimate fees, taxes, transfer costs and immediate family cash flow needs.
- 03Will & beneficiary review
Check your will, nominations and structures for alignment and validity.
- 04Solution comparison
Compare suitable options across the Sanlam · Momentum · Discovery panel.
- 05Implementation
Applications, underwriting where applicable, and policy setup with proper ownership.
- 06Ongoing review
Revisit when life changes — marriage, children, property, business or retirement.
Five reasons clients trust us with their legacy.
Independent advice, three legacy partners and a digital starting point — without losing the human guidance.
Three legacy partners — not one default
We compare suitable solutions across Sanlam, Momentum and Discovery. The Sanlam Legacy Plan is one option among several, not the only one we consider.
Advice-led, not product-led
We start with your family, your assets and your wishes — and only then consider which solution may be suitable.
Integrated with your financial plan
Estate planning sits alongside life cover, retirement, investments, debt and business — viewed as a whole, not in isolation.
Professional advice, on the record
Authorised FSP. Written recommendations explained by an adviser, not a sales script.
Digital starting point
Begin through MyBenefitz — convenient and fast, with full advisory support behind it.
The estate planning errors we help families avoid.
Many families experience financial stress after death because basic planning was not done properly. Structured advice helps you avoid the most common pitfalls.
- Not having a valid will
- Having an outdated will after life changes
- Not planning for executor or Master's fees
- No liquidity for immediate family needs
- Failing to update beneficiary nominations
- Overlooking minor children & guardianship
- Assuming life cover alone solves the estate
- Ignoring business interests & succession
- Underestimating estate winding-up time
- Never reviewing policies or estate documents
If any of these sound like you, we should talk.
- Parents & families
- Property owners
- Business owners & shareholders
- Professionals with dependants
- Care-givers for special-needs dependants
- Divorced or remarried clients
- Clients with significant retirement savings
- Anyone reviewing an existing will
Estate planning questions, answered.
The questions clients ask most often before drafting a will, reviewing an existing estate plan or considering legacy cover. Need something specific? Speak to an adviser.
Legacy and estate planning is the process of arranging your will, beneficiaries, estate liquidity, life insurance and financial affairs so that your loved ones are protected and your assets are distributed according to your wishes after death.
A will records how your assets should be distributed and who should administer your estate. Without a valid will, your estate may be distributed according to intestate succession rules, which may not reflect your personal wishes.
Estate costs may include executor fees, conveyancing fees, bond cancellation costs, Master's fees, administration costs, trust-related costs and other expenses required to wind up an estate.
Estate liquidity refers to the cash available in an estate to pay fees, taxes, debts and immediate family expenses. If there is not enough liquidity, assets may need to be sold or beneficiaries may experience delays.
Lebon Consulting works with selected providers including Sanlam, Momentum and Discovery for estate planning, life cover and legacy-related solutions.
Yes. Sanlam Legacy Plan remains one of the solutions available through Lebon Consulting, but clients may also consider suitable solutions from Momentum and Discovery depending on their needs.
Yes. Life insurance can provide liquidity to beneficiaries or the estate, helping with debts, estate costs, taxes, family expenses and long-term financial protection.
You should review your estate plan after major life changes such as marriage, divorce, childbirth, buying property, starting a business, taking on debt, receiving an inheritance or changing beneficiaries.
Yes. Clients can begin the process through MyBenefitz, a product of Lebon Consulting and its Juristic Representative, and receive professional support from Lebon Consulting.
Your legacy should not be left to chance.
Whether you need a will, an estate cost calculation, life cover for estate liquidity, or a structured legacy planning solution from Sanlam, Momentum or Discovery — our team can help you make informed decisions.
What you get
- 3 legacy partnersSanlam · Momentum · Discovery
- Estate cost estimateFees, taxes and liquidity needs
- Will & beneficiary reviewAligned with your financial plan
- Written recommendationOn the record, from an authorised FSP