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    This product is not yet available for purchase. We are in active partnership negotiations with South African underwriters. We will not offer cover until the product is properly structured, the underwriter is named, and the correct regulatory framework is in place. Join the waitlist below.

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    Estate liquidity cover

    Covers estate costs such as debts, tax, executor fees and administration expenses. Final suitability and structure will depend on advice, underwriting and product terms.

    Who it's for

    Estates with property, businesses, retirement annuities or other assets where the executor may need cash before assets can be sold or transferred. Final suitability depends on the estate structure and actual product terms.

    How it fits your estate

    Your vault can be used to record estate planning information. Once cover is live, the policy details can be stored in your vault alongside your will and executor pack.

    Why it matters

    • Estate duty, capital gains tax, executor fees and Master's Office costs can be payable before heirs receive anything.
    • Without sufficient liquidity, families may need to sell assets at a discount to free up cash. The extent to which any product addresses this depends on the product wording and underwriting.
    • A targeted liquidity policy, where available, may be sized to the estate's expected costs. The final structure will depend on advice, underwriting and product terms.

    Similar in purpose to estate-cost cover and liquidity riders offered by major South African insurers. The specific structure, insurer, premium and terms will be disclosed before any application or purchase.

    Join the founding cohort

    People on the waitlist will be the first to access this product when it launches. We will share the underwriter, the pricing and how to apply before anyone else. No obligation: you choose whether to proceed when the time comes.

    Join the waitlist for estate liquidity cover

    Your name and email are used to email you a single launch announcement for this product when it becomes available. We will not contact you for any other purpose without your explicit consent below.

    I am also interested in:

    By submitting you confirm we may email you a single launch announcement for this product. This is not a quotation, contract of insurance, or guarantee that cover will be offered to you.

    Any product shown as "coming soon" is not yet available for purchase. Information about future products is provided for planning and interest-capture purposes only and does not constitute a quote, offer, underwriting approval or guarantee of availability.

    Funeral cover, life cover, liquidity or shortfall cover, and any estate-related cover will always depend on the actual product structure, insurer, underwriting, terms, exclusions, limits and claims requirements. Medical expenses before death, hospital costs, palliative care, frail care and other end-of-life expenses should be treated as not covered unless a specific product expressly says otherwise.

    Any calculator on this service is a planning tool only. It is not legal advice, tax advice, financial advice, a quotation, underwriting approval, or confirmation that any insurer will offer cover on the terms shown.

    When I Am Gone

    Secure estate information vault for South Africans.

    When I Am Gone is a life-file and estate-readiness platform. It is not a law firm, financial adviser, estate administrator, executor service, probate service or insurer. The platform stores information you supply and helps you keep it organised; it does not provide legal, tax or financial advice.

    When I Am Gone (Pty) Ltd ("When I Am Gone") is a registered Financial Services Provider (FSP No: 55699) providing secure digital information storage and estate-readiness tools. When I Am Gone is not a law firm or estate planning professional. For personalised legal, tax or estate planning advice, consult a qualified attorney or fiduciary practitioner. Executors and beneficiaries are responsible for verifying information and obtaining professional advice before acting.

    Will documents created using When I Am Gone must be printed, reviewed, and signed in the presence of two competent witnesses as required by the Wills Act 7 of 1953. Electronic wills are not valid under South African law. When I Am Gone does not verify will validity, witness competency, or guarantee executor or Master of the High Court acceptance.

    When I Am Gone is the responsible party for processing your personal information in accordance with the Protection of Personal Information Act 4 of 2013 (POPIA) and the Promotion of Access to Information Act 2 of 2000 (PAIA). We process data based on your consent and contract performance. Data categories collected include identity, contact, estate, and financial information. Consumer vault entries are browser-encrypted; some authorised sharing workflows use server-side envelope encryption so access can be scanned, granted and audited. The security of your own device and passphrase remains your responsibility. Data is held with our cloud and database providers under written POPIA processing terms. Retention: active accounts are retained while the account remains open. Deleted vault contents are removed from active storage. Limited regulatory, audit and transaction records may be retained where required by law, including FICA records kept for at least 5 years from the applicable trigger date.

    You have the right to access, correct, delete, or object to processing of your personal information. Contact our Information Officer at support@wheniamgone.co.za for data subject requests. We notify the Information Regulator and affected data subjects as soon as reasonably possible after discovery of a security compromise, in line with POPIA. Our internal target is 72 hours where the facts allow it. See our Privacy Policy for full details.

    © 2026 When I Am Gone (Pty) Ltd. All rights reserved. Registered in South Africa.

    When I Am Gone is a registered Financial Services Provider | FSP No: 55699 | Regulated by the FSCA

    Administrative vault services are non-FAIS. Insurance services, where live, are financial services and are provided under the relevant authorisation, disclosures and product-provider terms. The will wizard and estate vault are software tools, not FAIS products. Insurance cover products are not yet on sale. When insurance products are offered, any remuneration will be regulated under FAIS and disclosed before any transaction. CPA and ECTA cooling-off rights apply where the transaction qualifies. The FSP licence is held by When I Am Gone alone and is never re-presented under a partner brand.

    When I Am Gone