Tazkiya (Capital Legacy) Tazkiya Islamic Will & Legacy Protection Plan

Tazkiya is the first integrated Shari'ah-compliant will, family takaful, life cover and estate administration offering in South Africa, operated by Capital Legacy, the country's largest estate administration provider and the Takaful Fund Operator. The offering has four elements: (1) drafting and safekeeping of a Shari'ah-compliant will, free to Takaful Fund members, drawn according to the client's chosen school of thought and providing for Islamic heirs, religious liabilities and any wasiyyah; (2) the Legacy Protection Plan, family-takaful cover for the legal fees of dying, from R87.31 per month, indemnifying executor, testamentary trust, conveyancing and non-estate asset fees up to a Maximum Indemnity Benefit of R3,390,816 with plan value to beneficiaries up to R5,272,718 plus a R10,000 burial society benefit; (3) optional MyLegacy Cover life cover up to R15 million and MyAbility impairment and critical illness cover up to R5 million, paid from the Takaful Waqf Fund; and (4) Shari'ah estate administration in which burial expenses, religious liabilities and debts are settled, Islamic heirs are confirmed by the relevant Muslim judicial body, wasiyyah is paid, and the residue distributed per the Islamic law of succession. All elements are reviewed by an independent Shari'ah Supervisory Board.

Tazkiya is the most complete answer yet to the uncomfortable fact that 75% of South Africans die without a valid will and Muslim estates then devolve under the Intestate Succession Act instead of the Quran. The package logic is genuinely good: the will (free to members, drafted to your madhhab, safekept), the money to wind the estate up (takaful-funded indemnity from R87.31 a month, with real numbers published: R3.39m fee indemnity, R5.27m plan value, R10,000 burial benefit), and then Capital Legacy, the country's largest estate administrator, executing per Islamic succession with heirs confirmed by a Muslim judicial body. Routing life and disability cover through a Takaful Waqf Fund rather than a conventional pool is exactly what a compliance-sensitive family needs. The gap is governance transparency: an independent Shari'ah Supervisory Board is asserted but nobody is named and no fatwa is posted, which for a first-of-its-kind takaful structure is a real omission. Ask for the board's names and current certification at the consultation; if those check out, this is the strongest single package in South African Islamic estate planning.