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Accident cover

The alarming percentage of accidents on South Africa's roads and the many injuries suffered due to crime make accident cover something we should all consider. What if you need to make adjustments or structural changes to your house or car as a result of an accident? Or learn new skills? Make provision for these expenses with our various accident cover solutions under our Personal cover options.

Annuities

Proceeds from a pension or provident fund or retirement annuity can be used to invest in various products and types of annuities in order to provide a pension.

Asset Liability Index

The Sanlam Asset Liability Index is an innovative solution to assist in retirement planning and decisions.

Asset management by SAMI

Sanlam Asset Management Ireland (SAMI) is a unit within the Sanlam Investment Cluster. SAMI's model is based on outsourcing most of their tasks and products through their multi-manager and traditional investment management business, Sanlam Multi-Manager International and Sanlam Investment Management. Both of these businesses can provide advice on asset allocation, investment manager selection, and portfolio construction.

Asset management by SIM

Sanlam Investment Management (SIM) manages financial assets for institutional, corporate, retail and individual clients in vehicles ranging from pooled and collective investments to segregated institutional portfolios.

Asset management by SPI

Sanlam Private Investments (SPI) manages assets for affluent private individuals and entities.

Asset protection for Individuals

Santam recognises the importance of managing the risk of loss. You can personalise the cover you require to meet your specific needs (with options around excess, premiums and items insured). You can, for example, decide to opt for higher excess and so reduce your premiums - a move that could result in huge savings.

Asset protection for your Business

Assets should be well protected, ensuring a secure existence for you and your dependants and a stable working environment for you.

Banking

Sanlam offers a range of banking solutions e.g. Personal loans, home loans, debit cards and savings accounts.

Business Insurance (long term)

Your business should be your passion and your legacy. That's why you need to protect your business, its assets and intellectual properties against life's curve balls. So that it will live on - long after you.

Business Insurance (short term)

To manage a business has its own challenges and risks. Sanlam offers you, the entrepreneur, flexible insurance solutions through our partner Santam.

Capital retention plan

With Capital Retention Plan, a product that will provide you with income after retirement, you will receive a guaranteed pension for the rest of your life. At death, the income ceases but your original capital is preserved and paid to your estate or any beneficiaries you nominated.

Car insurance

Sanlam offers you three choices of cover when insuring your car through our partner Santam: Comprehensive, Limited (fire and theft) or Theft excluded. Let Santam assist with finding the right cover for you.

Careers

Our employees are our single most valued resource - it's therefore vital that we attract, recruit and retain the right people with the right skills, at the right time. Available positions within the company will first be advertised internally. And, if we haven't been able to find a suitable candidate, we'll advertise externally for the same position.

Central Provident Fund

To a large extent, the quality of your life after retirement is determined by your financial position. Wholehearted enjoyment of the freedom your retirement years can bring requires more than just basic pension provision. You need an extra nest egg, so that you can do the things you have always wanted to do - without debt, and without lowering your standard of living.

With the Central Provident Fund, you can build up the extra capital you need to retire in comfort.

Collective Investments

Sanlam is one of the biggest role players in the collective investment industry in South Africa and is a leader in offering innovative investment solutions. Our business strategy and philosophy is to offer client-focussed investment solutions based on a wide range of easy-to-understand products.

Death Cover

Who wants to dwell on death, especially when you are young and healthy? But think about what would happen if you were to die suddenly. Would your family be able to cope without your income? Would your dependants have enough money to ensure that your death does not mean financial hardship, even ruin, for your family?

Deferred compensation

Your retirement can be an exciting and fulfilling time in your life. Perhaps you would like to start a new hobby, revel in outdoor life, watch birds or study astronomy, take up a sport such as golf or bowls, or even travel long distances to cement ties with family and friends. Pension provision is not enough. For this, you need an extra nest egg to give you the extra capital to fund your golden years. Deferred compensation is one of the ways in which you can build up this capital.

Education

There are huge opportunities for our youth today. University and technikon students will always have more jobs to choose from and can also earn more money as a graduate. Your child's education deserves proper planning and a good head start. As a parent, you don't need any reminding of the urgency to start planning and saving today for your child's future. The costs of a university degree, an overseas "find-your-feet" trip, a car or deposit on a flat can frighten off anyone, but you know that if you start early enough, you'll cope.

Employee benefits

Sanlam Employee Benefits provides life insurance, investment and annuity solutions for group schemes and retirement funds, and fund administration for retirement and umbrella funds.

Employer solutions

Retirement should be a time to enjoy - your proverbial 'golden years'. But so often people are in for a rude shock once they bid their colleagues farewell and begin to prepare for this new phase in their lives, only to realise that what you thought adequate is not nearly enough

Endowment by Sanlam Topaz

A savings policy with a specific term (usually 5-10years), with a choice of various investment funds depending on your risk profile. Additional benefits, such as life cover can be added to this product.

Endowment by Glacier

For medium- to long-term investments offering you certain tax advantages, have a look at Glacier's Endowment and Sinking Fund policies. Glacier offers a wide fund choice together with other underlying investment options.

Estate Planning

A fully-fledged trust company, Sanlam Trust offers objective advice on estate planning and expert management of both living and testamentary trusts. Sanlam Trust will help you set up your will; store it safely and act as executor of your estate.

Family income benefit plan

The Family Income Benefit Plan is a plan that offers an income benefit on your life and optional funeral cover on your life and the lives of your family members.

Functional impairment cover by Cobalt

An injury or illness could physically limit your capabilities compared with what a healthy person should be able to do. Functional impairment cover can provide extra cash to cover additional medical treatment or therapy, or to hire help for those tasks you are no longer able to perform.

Functional impairment cover by Glacier

An injury or illness could physically limit your capabilities compared with what a healthy person should be able to do. While this may affect your ability to continue working, it does not necessarily have to disrupt your working life. Glacier's Personal Cover offers you cover to help you should you no longer be able to carry out certain functions.

Functional impairment cover by Topaz

Have you considered your family's wellbeing if an injury or illness leaves you unable to perform your daily tasks? Impairment cover makes sure you have the money you'll need to cover your life expenses

Fund Fact Sheets

Find all the information you need about our investment funds in order to make a well-informed decision about which investment funds will work for you.

Fund Rules

For electronic access to the Fund Rules governing the retirement funds administered and underwritten by Sanlam Life...

Funeral cover

Funerals can often leave households in debt. Have you ever thought about how your family might struggle to organise your funeral - the service, the cultural rites, and the food for mourners? If you would like to have the final say regarding your or a family member's funeral, you need the Sanlam Funeral Plan. This plan offers you more than just funeral cover. It offers you an opportunity to save money for future needs; enabling you to plan every aspect of a funeral while saving for a brighter tomorrow.

Funeral Help Plan

Sanlam's Funeral Help Plan means that funeral costs never make other peoples' lives difficult or leave them owing money should you or a close relative die.

Fusion Funds

Glacier enables you to create your own personalised investment portfolio. To simplify this process, we've compiled the Fusion range of funds, a select group of collective investment funds which offers competitive pricing. This range includes domestic and rand denominated international funds across a number of risk profiles, asset classes and sectors. All funds from the Fusion range meet our objective, stringent criteria.

Glacier by Sanlam

Glacier's broad range of financial solutions is designed to assist you to create and preserve wealth throughout your lifetime. The solutions are flexible, convenient, and customised to meet your individual needs.

Glacier Cash Management fund

If you're looking for an investment in cash, Glacier's Cash Management Fund offers competitive rates.

Glacier cash option

Glacier's Cash Option is suited to both new and existing clients. Existing investors can preserve their capital, earn a high level of interest income and maintain access to their funds. The Cash Option provides them with a short to medium term safe haven for their investment until they re-enter the market.

Graduate Cash Growth Plan

The Graduate Cash Growth Plan will allow you to give your children the best possible education, all the way to university. Your children can have the future you dream of for them - if you start planning today.

Guaranteed Products

As people get older, they tend to take fewer risks with their capital. Quite rightly so too - after all, your golden years should hold no surprises for you. Least of all an underperformance in what you may have considered to be sufficient provision for your retirement.

Health income plan

The Health Income Plan is a unique insurance policy that contributes towards medical related expenses you may incur while a family member is in hospital, caters for a loss of income if you are unable to work and provides a cash payout should you become mentally or physically disabled.

HIV and Aids

The Sanlam LifePower range is a comprehensive personal cover solution for people living with HIV. You can use Life Power solutions to qualify for a home and business loan, to provide for those who depend on you and to give your family peace of mind and financial security in the event of your death or disability.

Home and building insurance

Your house or building must be insured for its replacement or rebuilding value, not its market value. Let our partner Santam assist with making sure you have adequate cover.

Home Contents Insurance

If you have house contents insurance with our partner Santam, you can enjoy full cover for contents inside and limited cover for contents outside your building.
There are also a couple of optional covers to choose from.

iCover

Sanlam icover brings you exciting, innovative insurance products that are affordable, easy to get and pay for, and straightforward to understand. There are three affordable, easy-to-get Funeral Plans, all in one pack, that can be bought in-store at any Shoprite, Checkers or Checkers Hyper.

Income Protection by Cobalt

An income protector covers you for loss of income as a result of the inability to fulfil your usual professional duties. Misfortune can befall anyone and this cover could be essential for the continued success of your practice or business.

Income Protection by Topaz

The Income Protector products offers you cover in the event of loss of income due to injury or illness, from your regular occupation and/or for the overhead expenses of your business. Sanlam Life will pay the benefit in instalments monthly in arrears when the life insured becomes disabled.

Insurance

For all the valuable things in your life that you want to protect against loss or damage, have a look at our various short term insurance options.

Intermediaries

A career in the financial services industry is a challenging one, but if you're the right person for the job, you'll love what you do as well as reap the extensive rewards of choosing financial services as a vocation.Our 'For Intermediaries' section can help you make this a reality and give you access to the tools you need.

International Investments

Diversifying your investment portfolio with international investments is very important. Sanlam Asset Management (Ireland's) range of International Funds provides you with different international investment solutions for your investment portfolio.

International Multi-currency fund

With the Glacier International Multi-Currency Fund you can meet your long-term investment goals. Through a basket of currencies that invest in low risk fixed interest instruments you are exposed to the performance from a diversified currency portfolio. At times this fund may be closed due to capacity constraints.

Investment Linked Life Annuity by Glacier

Glacier's Investment Linked Life Annuity (ILLA) enables you to transfer the benefits from a retirement fund at retirement into a flexible, personalised investment portfolio that matches your risk profile and provides a retirement income.

Investment Linked Pension by Stratus

Stratus offers you the Investment Linked Pension that can transform your retirement funds into a flexible, personalised investment portfolio that matches your risk profile, and offers you an array of investment funds to choose from.

iTrade

Introducing Sanlam iTrade, an online trading platform so advanced in its design and user compatibility, so liberating in its spread of options that the old ways just don't apply any more. Sanlam iTrade offers everything you need and more to make successful investment decisions, pro-actively manage your portfolio and trade on the JSE at competitive rates.

Life cover by Sanlam

Your death means that your family may not be able to cope with normal living expenses and possibly have to pay off any remaining debt that you may have. Life insurance can help to give your family dependants years of financial security because, when you die, it pays them out to help them survive without you.

Life Stages

As your life changes, so do your needs. We help you identify your needs based on life's challenges and opportunities in the key stages of your life.

LifePower

The Sanlam LifePower range is a comprehensive personal cover solution for people living with HIV. You can use Life Power solutions to qualify for a home and business loan, to provide for those who depend on you and to give your family peace of mind and financial security in the event of your death or disability.

Liquid by Sanlam

When you open a Sanlam Liquid account, your funds are invested in the SIM Money Market Fund, giving you access to higher returns compared to an average bank account. Your investment in the SIM Money Market Fund is safe as the underlying assets are widely spread, which means "not putting all your eggs in one basket". Money market funds are also supervised under strict collective investment regulations.

Loans

Whether you need money for unexpected expenses, a medical crisis, to renovate your home, to further your children's education or take your family away on a holiday... a cash lump sum of up to R30 000 as an unsecured Sanlam Personal Loan could be the answer.

Managed Solutions

Professional fund managers help you create wealth - while you retain full say over your portfolio content. Glacier's managed solutions consist of a range of multi-managed investment options - we provide you with access to either an optimal combination of funds, or to several fund managers in a single fund.

Medical Schemes

Find the best medical scheme solution to suit your individual needs.

Money Market

If you're looking for an investment in cash, Glacier's money market fund offers competitive rates.

Newsletters

Sanlam offers clients various newsletters through which they can remain up-to-date with what's happening in the financial services world.

Offshore investments & banking

Ask most South Africans if they would like to be able to invest abroad, and the answer would be an emphatic yes! The reasons are easy to understand. Foreign, or ''offshore''' investments offer the potential of high earnings and capital gains, as well as improving the risk/return ratio in any portfolio.

Online Share trading

Sanlam iTrade offers everything you need and more to make successful investment decisions, pro-actively manage your portfolio and trade on the JSE at competitive rates. Convenient, available 24x7, a universe of market information at your fingertips.

Payments

Do you need to make a cash payment in respect of any of your policies? Find our banking details and the required payment reference numbers here to ensure that your payment is allocated properly.

Pension with capital repayment

With the Pension with Capital Repayment as your pension plan, you will receive a guaranteed pension for the rest of your life (or your spouse's life if you select a joint plan). At the death of the last survivor the income ceases but an amount equal to the original capital is paid to your beneficiaries in 60 monthly instalments.

Personal Cover

Even though you want to secure your family's future you still want to give them the quality of life that they deserve today. You still want to be able to buy your children those brand name shoes they want so badly, treat your partner to a dinner out, and take them all on a family holiday. How happy would it make you, if you could protect your family's needs without cutting back on what they deserve?

Personal loans by Sanlam

Whether you need money for unexpected expenses, a medical crisis, to renovate your home, to further your children's education or take your family away on a holiday... a cash lump sum of up to R100,000 as an unsecured Sanlam Personal Loan could be the answer.

Plan descriptions

This includes information that is used in addition to the plan document in your possession. Refer your plan code on your plan document and access the relevant plan descriptions and information.

Preservation funds by Glacier

Do you already have retirement savings from a previous employer? Do you want to ensure that you preserve and grow this capital for your retirement? Then have a look at Glacier's Preservation Pension or Preservation Provident Fund options..

Preservation funds by Stratus

Times have changed. People no longer remain with just one company for their entire working lives. And whether you resign to seek greener pastures, take a package, or your employer's pension or provident fund is dissolved, you face the problem of having to decide what to do with the benefit amount from your pension or provident fund. How can you make sure you get the most out of your hard-earned money?

Private Equity

Sanlam Private Equity offers both direct and fund-of-funds investment programmes and also drives Sanlam's BEE investment programme.

Products

Whatever your financial goals or needs, Sanlam offers you a spectrum of products tailor-made to suit your personal circumstances.

Property Finance

Sanlam Properties is mandated to act as a financial partner in all facets of Property related finance including Senior Lending, Mezzanine Finance and potentially taking Equity in transactions in the Commercial, Industrial and Retail property sectors.

Property Services by Gensec Properties

Rely on Gensec Properties, now merged with JHI, for professional property, space, leasing and project management.s

Reality

Reality is a lifestyle programme that aims to empower our members in various ways. Such as saving them time on lifestyle events and money on lifestyle purchases, helping members maintain a healthier lifestyle as well as keeping members informed on a number of topics like personal finance and what’s happening in the Sanlam world.

Retirement

Saving for retirement is easy, but saving enough to maintain your living standard after you stop working, can be a challenge, with inflation eating away at your precious nest egg. Our retirement annuities solutions offer you a tax-efficient way to save for your golden years.

Retirement Annuity

Due to the effects of inflation, most of us will barely survive on our retirement money. Unless we protect both our capital and returns, of course - which is what the Topaz & Topaz Premier product ranges can do for you.

Retirement fund solutions

Do you want the best of both worlds? With Glacier's retirement fund solution you can invest your retirement fund savings in an investment portfolio matching your risk profile.

Retirement funds

Flexible options that allow you to manage your retirement savings, whether through a pension or provident fund or retirement fund scheme.

Retirement provision for small businesses

Flexible retirement scheme options for smaller businesses that may not employ enough people to qualify for a traditional pension or provident fund, but that still want to make provision for employees' retirement.

Risk Cover

Life is for living - to its very fullest. Yet life is also fragile. Just one mishap can wipe it all away. That's why you need risk cover - to get on with the business of living. Sanlam offers you various benefits through our Personal Cover options

Sanlam Liquid

When you open a Sanlam Liquid account, your funds are invested in the SIM Money Market Fund, giving you access to higher returns compared to an average bank account. Your investment in the SIM Money Market Fund is safe as the underlying assets are widely spread, which means "not putting your eggs in one basket". Money market funds are also supervised under strict collective investment regulations.

Sanlam Business Market

Sanlam offers a comprehensive range of solutions to assist you, the start-up entrepreneur, the business owner and the professional.

Sanlam Collective Investments

Sanlam Collective Investments (SCI) is an established unit trust management company since 1967 and offers a range of single and multi-manager unit trust products. From low risk money market funds to specialist equity funds and risk profiled asset allocation funds to provide investors with a range of investment alternatives to suit their needs. These unit trusts are available either directly through SCI or via most Linked Product Investment Platforms (LISP's).

Sanlam LifePower

The Sanlam LifePower range is a comprehensive personal cover solution for people living with HIV. You can use Life Power solutions to qualify for a home and business loan, to provide for those who depend on you and to give your family peace of mind and financial security in the event of your death or disability.

Sanlam Offshore

Ask most South Africans if they would like to be able to invest abroad, and the answer would be an emphatic yes! The reasons are easy to understand. Foreign, or "offshore" investments offer the potential of high earnings and capital gains, as well as improving the risk/return ratio in any portfolio.

Sanlam Pension Funds

The Pension Funds Second Amendment Act, 2001 (the Act) requires all pension funds to allocate any surplus on a basis as set out in the Act. The surplus apportionment date for the Pension Fund is 1 April 2003.

Sanlam Personal Loans

Whether you need money for unexpected expenses, a medical crisis, to renovate your home, to further your children's education or take your family away on a holiday... a cash lump sum of up to R50 000 as an unsecured Sanlam Personal Loan could be the answer.

Sanlam Properties

Sanlam Properties is mandated to act as a financial partner in all facets of Property related finance including Senior Lending, Mezzanine Finance and potentially taking Equity in transactions in the Commercial, Industrial and Retail property sectors.”

Sanlam Sky Solutions

Sanlam Sky offers you a wide range of simple and affordable financial solutions for funeral insurance, savings for education, retirement savings, medium- to long-term savings health income and life cover.

Sanlam Topaz

The increasing demands of responsibility, security and wealth creation for the future mean that different people have different financial needs. We understand this and can provide the right solutions for your needs. With Sanlam Topaz, a Sanlam adviser or broker will show you how to manage your money so that you can plan ahead for your future financial needs and you might also fit in your short-term needs.

Sanlam Trust

A fully-fledged trust company, Sanlam Trust offers objective advice on estate planning and expert management of both living and testamentary trusts. Sanlam Trust will help you set up your will; store it safely and act as executor of your estate.

Savings account

This account is a reliable and profitable savings vehicle to ensure that your savings grow in times of market uncertainty. The Sanlam Liquid Savings Account allows you to invest in the SIM Money Market Fund so that you can reap the rewards of the high interest rates by means of easy withdrawals.

Secure Services

Use Secure Services to change your address details, view your policy and investment values, change debit orders, switch, buy or sell collective investments in securities, and request tax certificates.

Share trading

Introducing Sanlam iTrade, an online trading platform so advanced in its design and user compatibly, so liberating in its spread of options that the old ways just don't apply any more. Sanlam iTrade offers everything you need and more to make successful investment decisions, pro-actively manage your portfolio and trade on the JSE at competitive rates.

Short term insurance

Rest insured, whether you have personal, corporate, commercial, agricultural or even more specialised needs, our custom-made yellow umbrella will give you the peace of mind you could only expect from the leader in the short-term insurance industry.

Sickness benefit

Are you covered in the event that you contract a serious illness? You may be unable to work and earn a living? Glacier's Personal Cover will give you peace of mind that you are covered for all those unforeseen eventualities.

Stockbroking

Glacier offers you access to a range of respected stockbrokers who will trade on your behalf, according to your mandate.

Stratus Savings and Investments

Realise your life goal with a savings or investment product from the Stratus Savings and Investment range.

Topaz

The Topaz product is now managed as part of the Sanlam Growth Market offering. Please refer to Sanlam Growth Market for further information.

Trauma and Dread disease Cover

Serious diseases usually strike without any warning – whether you suffer a heart attack, fall victim to cancer, need an organ transplant, or lose your eyesight or hearing. You may not necessarily be medically unable to continue working, and therefore you may not be able to claim disability cover. And it is exactly at times such as these that you will need extra cash – and dread disease cover through our Personal Cover options to generate that cash.

Trauma and Dread disease Cover for business owners

Serious diseases usually strike without any warning - whether you suffer a heart attack, fall victim to cancer, need an organ transplant, or lose your eyesight or hearing. You may not necessarily be medically unable to continue working, and therefore you may not be able to claim disability cover. And it is exactly at times such as these that you will need extra cash - and dread disease cover to generate that cash.

Trusts

A fully-fledged trust company, Sanlam Trust offers objective advice on estate planning and expert management of both living and testamentary trusts. Sanlam Trust will help you set up your will; store it safely and act as executor of your estate.

Unit trusts

Sanlam Collective Investments (SCI) is an established unit trust management company since 1967 and offers a range of single and multi-manager unit trust products. From low risk money market funds to specialist equity funds and risk profiled asset allocation funds to provide investors with a range of investment alternatives to suit their needs. These unit trusts are available either directly through SCI or via most Linked Product Investment Platforms (LISP's).

Vehicle insurance

Sanlam provides for the unexpected with comprehensive short-term cover for your vehicles through our partner Santam. There are three choices of cover:
Comprehensive, Limited (fire and theft) or Theft excluded.
Let Santam assist with finding the right cover for you.

Wills

A fully-fledged trust company, Sanlam Trust offers objective advice on estate planning and expert management of both living and testamentary trusts. Sanlam Trust will help you set up your will; store it safely and act as executor of your estate.

Wizard online

Wiz@rd-Online provides our clients with state-of-the-art retirement fund administration processes and member communication tools via the Internet. Wiz@rd-Online is an Internet-based system, available to retirement funds that are administered by Sanlam Employee Benefits.s

Wrap funds

Glacier provides handy fund fact sheets to give you detailed information on their managed funds, including each fund's objective, composition, sector allocation, asset allocation as well as performance.

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