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Disability Cover

Imagine if you could learn everything you need to know about life’s ups and downs, from yourself.

You’d learn that life is full of surprises. Some good, some not-so-good (like that injury you never saw coming). You’d learn how important it is to plan for the not-so-good to ensure you and your loved ones are financially secure, no matter what happens.

At Sanlam, we offer disability cover that ensures your family’s expenses, as well as your own, will be covered if you can’t work due to injury or illness.

 

How it works
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Wealth bonus

Sanlam Disability Cover

If you become disabled and can’t work, we help you keep going with a lump-sum payout.

Sanlam's Disability Insurance solutions offer maximum choice and flexibility. Should you become disabled, the lump-sum payout can be used for day-to-day expenses, therapies, and any home alterations required to make living with a disability easier on you and your loved ones.

Get quoted and covered online in under 10 minutes with Sanlam Indie, or speak to a Sanlam financial adviser about a personalised insurance solution.

How does it work?

If you become disabled and can’t work, you receive a tax-free, one-off payout. The amount will depend on the cover you’ve chosen.

How much disability cover do I need?

Most people choose to have at least R350000 of disability cover, but opt for about 6 months of income (after tax but before other deductions) if that’s higher.

We’ll help you work out what cover you need in just minutes.

How much will I pay per month?

Your premium is determined by your age and risk profile when you take out the cover. To get an immediate guaranteed quote, use the Sanlam Indie calculator.

What about medical tests?

Depending on the type of disability cover you choose, medical questions and medical testing may or may not be required. This will help determine the level of cover and cost of your disability insurance.

How can I get discounts on my monthly payments?

Sanlam Reality members on the Reality Plus and Reality Health membership options can get discounts of up to 30% on Matrix Premier risk products. For more information on how to join, visit the Sanlam Reality website.

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Get a Quote and Buy Online in Minutes

With Sanlam Indie, you’ll get fully quoted and covered online in under 10 minutes. Whether you know exactly what you want, or need help working out a comprehensive plan, we’ll guide you every step of the way.

Get your quote

Get a Quote and Buy Online in Minutes

With Sanlam Indie, you’ll get fully quoted and covered online in under 10 minutes. Whether you know exactly what you want, or need help working out a comprehensive plan, we’ll guide you every step of the way.

Get your quote

Wealth Bonus

A built-in investment that comes with every Sanlam Indie policy.

Insure your life with Sanlam Indie and we’ll match up to 100% of your monthly premium in an investment – at no extra cost to you.

It grows with your premiums and with the market to create real wealth for your future. You can access 10% of it every 5 years (or leave it invested to grow even more), and all of it at age 70. Use it as a retirement income booster, a downpayment on your dream car or holiday home – it’s your reward for staying alive.

From just R100 pm, the Wealth Bonus enables you to cover your life and invest in your future.

Get a Sanlam Indie Plan

The Sanlam Indie Plan is the quickest, easiest way to find out what insurance you need, and how much.

We’ll help you understand your needs so you get the right cover and the right price in under 10 minutes.

Get your plan

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