In this conversation, Tony from Cover interviews Steve Piper, head of underwritten intermediary sales at Hollard Life Solutions, about their new product, Hollard Estate Solutions. The innovation aims to simplify estate planning for financial advisors and clients by providing a comprehensive, digital, and user-friendly platform. This platform not only creates a will but also calculates the cost of death and the impact on the family, helping advisors offer better, more informed advice. The discussion delves into the market needs, the challenges of estate planning, and the alarming statistics of South Africans without valid wills. The platform is designed to reduce administrative burdens on advisors, offering optionality in executorship, and ensuring an ongoing review of clients' estate plans to adapt to changes in their lives.