These products are not yet available for purchase. We are in active partnership negotiations with South African underwriters. When I Am Gone will not offer any cover until the product is properly structured, the underwriter is named, and the correct regulatory process is complete. Join a waitlist below and we will email you when cover opens.

    In partnership negotiations

    Insurance cover, built for South African estates

    We are building a focused range of cover (funeral, life and estate liquidity) designed to work with the will, vault and executor pack you already have on WIAG. None of these products are on sale yet.

    Join a waitlist below and we will email you when cover becomes available, with the underwriter name, the monthly cost and how to apply. You choose whether to proceed at that point. No obligation now.

    These products are not yet available. This page is for education and interest-capture only. It is not a quote, not financial advice, not underwriting approval and not a guarantee that cover will be offered.

    Funeral cover

    Funeral cover

    Covers immediate funeral-related costs, subject to product terms, beneficiary nomination and claims requirements.

    • Intended to assist with immediate funeral-related costs, subject to product terms
    • Subject to product terms, beneficiary nomination and claims requirements
    Be the first on the waitlist
    For people who depend on you

    Life cover

    Covers the people who depend on you. Product details, insurer, pricing and eligibility will be disclosed when cover opens.

    Typically protects

    Spouse
    income gap
    Children
    school fees
    Bond
    settlement
    Be the first on the waitlist
    Estate-level cover

    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.

    Where the cash usually has to go

    45%
    Estate duty & CGT
    30%
    Executor & Master's fees
    25%
    Outstanding tax / bonds

    Illustrative only. Actual mix varies estate by estate.

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    A note on what we are and are not doing

    When I Am Gone (Pty) Ltd is a registered Financial Services Provider (FSP No: 55699). Holding an FSP licence does not mean these insurance products are currently on sale. The products on this page are not yet available for purchase. We are in active partnership negotiations with South African underwriters. We will not offer any cover until the product is properly structured, the underwriter is named, and the correct regulatory framework is in place. When insurance products are offered, any remuneration earned by When I Am Gone will be regulated under FAIS and will be disclosed to you before any transaction. 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.

    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