Wills & Trust
Marketing, intake, factual qualification, scheduling and consent-based referral. It is not a law firm, FSP, executor, insurer, trust company or tax practice.
Free should be explained before the form
Why Is the Will Free?
Wills & Trust is paid by advisor partners for marketing and lead-generation services. It does not itself draft the will. With your consent, it can refer you to an independent provider that may offer will drafting at no upfront charge.
The provider can separately offer executor, estate-administration, storage, trust or insurance services. Those later or optional services are not made free merely because the will drafting costs R0.
No referral, insurance purchase or executor appointment happens merely because you read this page or submit an enquiry. The responsible provider and terms must be disclosed first.
The plain answer
The will can be free because the business earns money elsewhere
A referral partner may absorb will-drafting costs because it also offers paid executor, estate-administration, trust, insurance or related services. Wills & Trust may receive a marketing and lead-generation fee from an advisor partner. Its privacy notice says that fee is not calculated by reference to a premium, commission or product outcome and does not change the product price.
That model is legitimate only when the commercial relationship, provider identity, optional services and future fees are clear. “Free” must never hide a compulsory insurance purchase, an undisclosed executor condition or a later storage charge.
Three separate roles
Who does what in the free-will journey
Will provider
The independent provider drafts or arranges the will, explains its included services, verifies its people and takes responsibility under its own terms.
Regulated provider
If insurance or another regulated product is discussed, the authorised FSP, representative, insurer, product, commission and statutory disclosures must be identified separately.
Where Capital Legacy is the disclosed provider
What its current public record says is free
Capital Legacy's public wills page and 2024-2026 articles state that drafting, amendments, courier collection, safekeeping and retrieval of a Capital Legacy will carry no charge. Those are Capital Legacy's first-party statements, not a promise that every Wills & Trust enquiry follows that route.
Before referral, Wills & Trust must tell you whether Capital Legacy or a different provider will receive your information. The named provider must confirm the live offer in writing.
R0 drafting is not a R0 estate
What “free will” does not automatically include
Executor work after death
The executor's later remuneration and estate-administration expenses are separate from drafting. The Master appoints the executor after death.
Insurance premiums
Estate-cost cover, life cover or another policy has its own premium, underwriting, exclusions, waiting or commencement rules and cancellation terms.
Estate expenses
Master's fees, notices, tax, valuations, conveyancing, property clearance, security and other disbursements may still be payable.
Trust work
An inter vivos trust, specialist trust deed, registration, trustee work, tax and annual administration are not included merely because a will contains a trust clause.
Specialist legal work
Foreign wills, complex business succession, disputes, capacity evidence and bespoke legal opinions may require a separately priced attorney engagement.
Tax and financial advice
Tax modelling, product recommendations and regulated financial advice require identified qualified providers and their own scope.
Executor nomination
You are not legally required to appoint the will drafter
The Master's official guidance says you do not have to appoint the person or institution drafting your will as executor. You can nominate a suitable person or institution, but legal authority comes only when the Master later issues the relevant appointment.
Capital Legacy's public application forms ask whether the user wants Capital Legacy as executor and provide space for an alternative. If another partner is used, ask for the same clear yes-or-no choice.
Optional cover
Insurance is a separate decision
A free will consultation may include an estate-cost calculation and an offer of cover. That does not make the policy part of the will, and the will does not make the policy suitable.
Capital Legacy identifies Capital Legacy Solutions (Pty) Ltd as an authorised financial-services provider and Guardrisk Life Ltd as the licensed insurer underwriting the Legacy Protection Plan. If that product is proposed, the representative must provide the current FSP, insurer, product, advice, premium, commission, underwriting, exclusions, complaints and cancellation disclosures.
Collection, custody and retrieval
The stored item must be the correctly signed original
Before collection
Review the final draft, print it, follow the Wills Act formalities and keep a copy. A courier cannot cure an invalid signature or witness process.
During custody
Obtain a receipt and record the custodian's legal name, storage reference, contact route, retention period, security controls and update process.
Retrieval
Ask who can request the original while you are alive, what the executor needs after death, how urgent release works and whether any courier fee applies.
Capital Legacy publicly says collection, safekeeping and retrieval are free. Its privacy notice says it retains information while a will or codicil is lodged with it. The exact release and deletion process should still be supplied directly by the custodian.
Amendment rules
A free update still needs a new valid execution
Capital Legacy currently describes unlimited amendments without charge. That normally means preparing a revised draft. It does not mean editing the signed original by hand or treating an updated PDF as operative.
Review the replacement, sign it under the Wills Act, confirm that the revocation clause works, return the new original if custody is used and ask how the prior stored version is marked or removed.
Cancellation and data control
You can stop marketing, but records have different legal lives
You may opt out of Wills & Trust direct marketing free of charge and ask to access, correct or delete information that POPIA permits to be deleted. Withdrawing marketing consent does not automatically cancel a separate partner engagement, policy, executor nomination or will-custody instruction.
Wills & Trust record
Use the privacy contact to opt out, withdraw consent or request access, correction or deletion. Some referral, complaint or legal records may have to be retained for stated periods.
Partner record and original will
Contact the provider separately to cancel a product, replace an executor nomination, retrieve a stored original or request deletion. Ask what proof of identity and written instruction it requires.
The transparent process
What should happen after you enquire
Intake
Wills & Trust collects only enough information to understand the route you need.
Consent
You are told who will receive the lead, why and how that provider uses the information.
Disclosure
The provider confirms the free scope, exclusions, executor choice, storage, amendments and optional products.
Decision
You accept or decline each service separately. Legal or financial relationships start only under the provider's own engagement.
Get these answers in writing
The seven-term free-will check
- 1. Provider: Who drafts and who holds professional responsibility?
- 2. Included: Which drafting, review, signing, collection, custody, retrieval and amendments cost R0?
- 3. Executor: Is any nomination required and what later fee applies?
- 4. Products: What insurance or paid services may be offered and by whom?
- 5. Declining: Does saying no affect any free component?
- 6. Exit: How do you retrieve the original, cancel and remove data?
- 7. Timing: What is the realistic draft, signing and collection schedule?
Client proof
No borrowed testimonial proves this referral
This draft page does not display a Wills & Trust client testimonial or outcome claim. Capital Legacy publishes testimonials and scale claims on its own website, but those do not prove what happened to a person referred through Wills & Trust.
Any future proof should identify the service received, provider, date, consent and whether the client bought an optional product, while protecting confidential estate information.
Questions before you proceed
Free will FAQs
Does Wills & Trust draft my will?
No. It provides intake and referral support. The independent provider identified to you performs any actual drafting or advice.
Must I buy insurance to receive a free will?
Not under the Capital Legacy first-party offer described on this page. It says declining cover does not remove its free drafting and safekeeping. An unnamed or different provider must confirm its own rule before referral.
Must I appoint Capital Legacy or another provider as executor?
There is no legal requirement to appoint the will drafter. Capital Legacy's public forms allow an alternative executor. Choose deliberately and confirm the recorded remuneration and substitute.
Are amendments really free?
Capital Legacy currently says amendments are free. The replacement must still be reviewed and signed as a valid will, and the updated original must reach the custodian if safekeeping is used.
Can I get my original will back?
Capital Legacy publicly includes retrieval, but ask for the exact identity, instruction, timing and delivery procedure. With any provider, keep the custody receipt and tell your executor where the original is held.
Can I delete my information?
You can exercise POPIA rights with Wills & Trust and the provider separately. Some records may have to be retained by law or while a will, complaint, referral or policy remains active.
Start with disclosure
Start a transparent will enquiry
Share only enough context to identify the suitable will route. Before any referral, ask for the provider name, free scope, executor position, optional products, storage, amendment and data terms.
This request does not create an attorney-client, fiduciary, insurer-client, tax-adviser or financial-advice relationship.
Scope and limits
This page explains the Wills & Trust referral model and selected Capital Legacy first-party statements. It is not a provider engagement, policy disclosure, legal opinion or guarantee that a particular partner will accept an enquiry or provide every service described.
Partner terms, products, representatives and prices can change. The responsible provider's current written terms and statutory disclosures govern. No verified Wills & Trust client testimonial is presented.
Editorial and professional record
- Author
- Muhammad Khan
Director and Information Officer, K2023120042 (South Africa) (Pty) Ltd t/a willandtrust.co.za. Business and editorial role only; no legal, fiduciary, tax or financial-services credential is claimed. - Professional reviewers
- Not yet assigned
A South African estates attorney and the responsible regulated provider must add names, credentials, professional or regulatory bodies, registration status, approved commercial scope and review dates. - Research date
- Official and first-party sources checked 3 August 2026.
- Publication status
- Noindex commercial-terms review draft. Not approved for publication.
Sources checked on 3 August 2026
Official South African source
Capital Legacy first-party sources
- Free Will Drafting Services in South Africa
- Free Will Drafting Without a Catch
- Drafting, amendments, collection, safekeeping and retrieval statement
- Capital Legacy privacy notice and will-record retention
- Application form showing executor and collection choices
- Legacy Protection Plan product page and provider identities