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Sanlam Comprehensive Gap Cover Plan

2023 Benefits

Individuals younger than 60 years
R246.00*
Families younger than 60 years
R429.00*
Individuals older than 60 years
R494.00*
Families older than 60 years
R864.00*

Benefits

Tariff Shortfalls
The difference between the specialist’s fee and the medical scheme tariff.

Additional 5-times medical aid tariff

Sub-Limits
A sub-limit is a limit when a medical scheme imposes a Rand limit, known as a sub-limit, on certain in-hospital medical procedures or prosthetic devices and a shortfall occurs.

R60,900 per event/condition

Co-payments
The excess payable upfront to the hospital before treatment or a procedure.

Subject to the Core Benefit Limit

Deductibles
A deductible is a co-payment payable by a member on admission to hospital.

Subject to the Core Benefit Limit

Penalty Co-Payment

A maximum of two such events are covered under this benefit per annum and up to a maximum amount of R17,500 per event, subject to the Core Benefit Limit.

For further benefits please download the Sanlam Gap Retail Brochure for 2023

Benefits

Co-Payments
The excess payable upfront to the hospital before treatment or a procedure.

  • MRI Scans: A CT scan is best suited for viewing bone injuries, diagnosing lung and chest problems, and detecting cancers. An MRI is suited for examining soft tissue in ligament and tendon injuries, spinal cord injuries, and tumours. CT scans are widely used in emergency rooms because the scan takes less than 5 minutes. An MRI, on the other hand, can take up to 30 minutes.
  • Oncology: Oncology is a branch of medicine that deals with cancers and tumours.

MRI/CT Scans: Unlimited
Oncology sub-limits: Limited to statutory maximum of R185,837 per insured per annum

Accidental Casualty Benefit
The Casualty Benefit will pay for the facility fee and consultation associated with admissions into the emergency room or casualty ward of a private hospital.

Subject to a maximum of R17,400 per event.

Child Casualty Benefit
Child Casualty Illness: Child Casualty Illness: Benefits relating to this clause will only be paid in respect of emergency out-patient services that are provided within a casualty ward of a hospital. The benefit is only payable in the event of after-hours treatment in an emergency situation. After-hours is Mondays to Fridays between 18:00 and 08:00 and all-day Saturdays, Sundays and South African public holidays. The benefit payable is equal to the total cost of treatment less the amount paid by your medical scheme from your Hospital/ Risk Benefit. If payment is made from your available medical savings account, or from your own pocket, we will reimburse that too.

Subject to a maximum of two such events per annum and a maximum of R2 700 per event. Limited to children under age 12.

For further benefits please download the Sanlam Gap Retail Brochure for 2023

Benefits

Hospital Cash Benefit
A cash payment you receive for every day you spend in hospital due to an accident or premature birth (more than 41 days before the originally expected natural birth date of 40 weeks).

If you’re a Sanlam Reality member, please refer to the Sanlam Reality section for more information on your Hospital Cash Benefit.

A maximum of two hospital episodes are covered under this benefit per annum, up to a maximum amount of R29,300 per annum. The benefit is payable from day one of the hospital episode: R480 per day from the 1st to the 13th day (inclusive). R860 per day from the 14th to the 20th day (inclusive). R1,700 per day from the 21st to the 30th day (inclusive). Max R29,300 per annum.

Family Booster
The natural or surgically assisted birth of 1 or more infants that occurs more than 41 days before the originally expected natural birth date of 40 weeks as verified by the clinical records of the mothers attending physician.

Lump sum benefit is R15 900.

Family Protector
The lump sum benefit is payable upon the death or permanent disability of an insured party due to accidental harm.

Limited as follows:

Children below 6 years: R20 000

All other insured parties: R30 000

Medical Scheme and the Sanlam Gap Policy Contribution Waiver
The benefit payable is equal to the monthly medical scheme and Gap contribution applicable after the qualifying event, multiply by 6 and subject to an overall annual limit. This benefit is limited to one event over the policy lifetime.

The benefit payable is subject to an overall maximum limit of R35 500.

Dental Reconstruction
The lump sum Benefit will only be paid in the event of Dental Reconstruction Surgery being required as a direct result of Accidental Harm or from Oncology Treatment that occurred after the Inception of this Policy.

A maximum of two such events are covered under this benefit per annum and up to a maximum amount of R49 900 per annum subject to the Core Benefit Limit.

Road Accident Fund Claims (RAF)

An end-to-end legal service is provided by the nominated service provider of Kaelo Risk to assist Insured members with legitimate claims against the Road Accident Fund.

For further benefits please download the Sanlam Gap Retail Brochure for 2023

Manual process

Seamless process

Medical event occurs

Medical event occurs

Medical provider submits claims to medical scheme for payment

Medical provider submits claims to medical scheme for payment

Medical scheme assesses claims and identifies shortfalls

Medical scheme assesses claims and identifies shortfalls

Member receives statement noting payment shortfalls, requiring payment

Member receives statement noting payment shortfalls, requiring payment

Member completes paperwork and submits to Sanlam Gap (sanlamclaims@kaelo.co.za)

Paperwork is received by Sanlam GAP and assessed, according to the policy benefits

Member does not complete ANY PAPERWORK as all information is automatically sent by the medical scheme directly to Sanlam Gap for assessment, according to the policy benefits

Once all documentation is received, claims shortfalls are paid within 7 to 14 working days

Claims shortfalls are paid within 7 to 14 working days

Member is paid and send a statement as confirmation

Member is paid and send a statement as confirmation

For further information please download the Sanlam Gap Seamless Claims Process.

Benefits

Casualty illness
Benefits relating to this clause will only be paid in respect of Emergency outpatient services that are provided within a casualty ward of a hospital. The Benefit is only payable in the event of after-hours Treatment in an Emergency situation.

After-hour emergency illness only at a Mediclinic for all Insured Parties covered (Mondays to Fridays: 6pm – 8am. All-day Saturdays, Sundays & public holidays).

Subject to a maximum of two such events per Annum and a maximum of R2 700 per Insured Event.

Specialist benefit
Specialist Benefit - Out-of-hospital.

This Benefit will become payable when your Medical Scheme has paid a portion of your out of hospital specialist claim. We will cover the shortfall thereof.

Up to R4 900 per Insured Party per Annum, subject to the Overall Annual Limit.

Private ward
Cover for the difference between the cost of a general ward and a private ward. Payable only in the event of confinement (childbirth) admissions. Only at a Mediclinic hospital (if available).

Subject to a maximum of one event per Insured Party per Annum and a maximum of R4 900 subject to the Overall Annual Limit.

Cancer lump sum pay out
The benefit payable is equal to the monthly medical scheme and gap contribution applicable after the qualifying event, multiply by six and subject to an overall annual limit. This benefit is limited to one event over the policy lifetime.

Benefit is limited to one claim per Insured Party and is only payable on first-time diagnosis as a lump sum of R10 000.

Cashless co-payment
Benefits relating to this clause will only be paid in respect of defined diagnostic procedures that occurred during an
Insured Event.
The Benefit payable is equal to the fixed value Deductible or Co-payment amount, as defined in the rules of the Insured Party's Medical Scheme.
Benefit is directly payable to the Mediclinic Pre-authorisation letter required.

Unlimited subject to the Overall Annual Limit.
Only at a Mediclinic facility.

Cashless penalty co-payment
Notwithstanding exclusion related penalties, the Insurer will pay a fixed value Penalty Co-payment or Deductible, or a percentage Penalty Co-payment that does not exceed 30%, for the voluntary use by an Insured Party of a Mediclinic facility that is not part of their Medical Scheme Hospital Network.

Unlimited only at a Mediclinic facility subject to a maximum of R16 500 per event and subject to the Overall Annual Limit.

For further benefits please download the Sanlam Gap Cover Mediclinic Extender brochure.

Retirement Annuity - Buy Online

Tax-free Savings - Invest Online

Unit Trusts - Invest Online

Sanlam Smart Invest is a platform designed to help you set your goals, and reach them more easily than ever before. Our simple and easy to use online unit trust investment process helps you plan your savings journey and ensure you achieve it.

Start Now

It's the smartest thing you'll do today.

Funeral Cover - Buy Online

I, the Primary Covered Person of the Family Funeral Plan or Accidental Death Plan indicated herein as the "Plan", am subject to the following:

  1. Sanlam icover is a division of Sanlam Developing Markets Limited, a registered long-term insurer and licensed financial services provider. All references to Sanlam or Sanlam icover refers to Sanlam Developing Markets Ltd.
  2. The Plan will be administered by Sanlam icover in South Africa. All amounts relating to the Plan, particularly payments and benefits, will be expressed, calculated and paid in South African currency. All claims payments will be made in South Africa.
  3. I accept that no advice was provided to me through a Sanlam appointed broker or advisor, and the decision to purchase the Plan online was taken in my personal capacity and on my own volition.
  4. I accept full responsibility for informing Sanlam icover of any changes to the identification information provided (e.g. surname change, contact details etc.)
  5. I am aware that in terms of the Financial Advisory and Intermediary Services Act, 37 of 2002 (FAIS), I may request a copy of any document that I or someone on my behalf submitted to Sanlam icover that pertains to this Plan.
  6. In terms of the Prevention of Organised Crime Act (number 121 of 1998), I guarantee that the funds with which any payment is or will be made to Sanlam icover, in terms of this Plan, are derived from a lawful source. In addition, I declare myself willing to answer any questions with regard to the origin of such funds and to provide additional information when required by Sanlam icover.
  7. I understand that all information that I have captured will be recorded electronically in Sanlam icover’s computer system, and that a Membership Certificate for the Plan which I have purchased will be sent electronically to the email address I provided as part of the online purchase process. The electronic records of Sanlam icover’s computer system will form the record of this Plan and may be used as evidence at any proceedings.
  8. I guarantee that all information herein is complete and correct. This guarantee applies also to information which in Sanlam icover's reasonable opinion is relevant to the insurance risk and which is contained in other documents or provided telephonically. If any of the aforesaid information is not complete or correct, Sanlam icover may cancel this Plan. If this happens, all premiums paid in terms of this Plan will be forfeited.

Medical Gap Cover - Apply Online Now

Sanlam Comprehensive Gap Cover Plan Individual or family monthly premium:

  • Single
    0-59 years R246pm
    60+ years R494pm
  • Families
    0-59 years R429pm
    60+ years R864pm

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Personal Loans

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Ask Sanlam

The earlier you start saving, the better. If you cannot save the recommended amount, save whatever you can afford. You can also add some of your bonus payments to your retirement annuity.

The Sanlam Retirement Annuity is designed to inspire you to start saving for a comfortable retirement and to help you stay motivated to keep going and stay on track. It is one of the most cost effective savings options available, combined with investment peace of mind.

Your retirement savings are managed on your behalf
The Sanlam Retirement Annuity offers an investment facility where your savings are gradually switched as you get closer to retirement, at an extremely low cost. Therefore you do not have to study the markets yourself to make investment decisions - instead you have complete peace of mind for the duration of your investment.

Added value of the Echo Bonus
Sanlam will boost your retirement savings by adding an additional amount, called the Echo Bonus, at retirement or termination. The longer you save, the bigger the bonus.

Cost-effective savings option
The Echo Bonus makes the Sanlam Retirement Annuity one of the most cost-effective savings options in the market.

The Echo Bonus is an amount that will be added to your fund value when you retire, or end the plan. The more payments you make, the higher your Echo Bonus.

Your Echo Bonus is always a percentage of your fund value. The Echo Bonus percentage depends on the term for which payments have been made. The longer the term, the higher the Echo Bonus percentage.

The Echo Bonus percentages for the online Sanlam Retirement Annuity are indicated in the following table if you are paying recurring monthly payments.

Term in years Echo Bonus % (Recurring)
0 0
5 7
10 15
15 25
20 35
25 55
30 75
35 95
40 115

The Echo Bonus percentages for the online Sanlam Retirement Annuity are indicated in the following table if you are investing with a one-off payment.

Term in years Echo Bonus %
0 0
5 3
10 10
15 20
20 30
25 40
30 50
35 60
40 70

To receive retirement annuity benefits, you must be a member of a Retirement Annuity Fund. For the Sanlam Retirement Annuity, this is the Central Retirement Annuity Fund. You automatically become a member of the Central Retirement Annuity Fund when you take out a Sanlam Retirement Annuity.

The Central Retirement Annuity Fund takes out a plan with Sanlam Life Insurance Limited on the member’s life, in order to provide the retirement benefits. The Fund, and not the member, is the plan holder.

The current charges for the Sanlam Retirement Annuity:

Marketing and administration charge

The charge is calculated on a monthly basis, which means the percentage is divided by 12 to calculate the monthly amount. This charge is subject to a minimum rand amount that will be increased gradually over 24 months from R0 per month on the start date of the plan to R52.50 per month. This current minimum rand amount will be increased from time to time to allow for inflation.

The marketing and administration charge changes as the fund value increases to higher fund value bands. The following marketing and administration charge is applicable:

Recurring Fund value band Yearly marketing and administration charge % of the fund value of the plan
First R500 000 4.00
Excess above R500 000 3.50

 

If you prefer to select your own funds and will be investing recurring monthly payments, the following marketing and administration charge is applicable:

Fund value band Yearly marketing and administration charge % of the fund value of the plan
First R500 000 4.20
R500 001 - R1 000 000 3.75
Excess above R1 000 000 3.50

 

Investment Management Charges
An asset manager charges fees for investment research and selecting the underlying assets for a specific investment fund. These fees are taken into account in the calculation of the daily unit price of the investment fund. The published performance figures of the investment fund are therefor net of these fees.

Investment fund Yearly % of market value
SATRIX Dynamic Balanced Fund 0.2
Wealth Protector 0.4

If you select your own funds, the Investment Management Charge is the weighted average of the selected investment funds. The value of the Investment Management Charge for each of the available investment funds is shown on the fund selection table and in the fund fact sheet for that fund.

A transaction charge is applicable for each of the changes below. The charge is currently the smaller of R300 and 1% of the fund value.

  • Reducing or stopping of the recurring payment;
  • Taking an early retirement benefit;
  • Terminating the plan.

This transaction charge will not be taken for changes made after the planned retirement date.

If you are invested in the default fund and want to add the ability to select your own funds, you will be charged R300.

As soon as your application has been processed, you will have 30 days in which to examine the contract documents, and decide whether you wish to continue with the plan.

If the plan does not meet your requirements, and if you have not made any changes to it, you can cancel it by notifying us in writing during this period. We will then refund any payments you have already made. If the assets in which the payments were invested have decreased in value, or if you have already received benefits from the plan, we will reduce the amount to be refunded to you accordingly.

If you require further information on your Sanlam Retirement Annuity please phone our Client Care Centre on (021) 916-5000 or 0860 SANLAM (0860 726 526), or send us an e-mail at life@sanlam.co.za. Our compliance department can be contacted at the same number

If a recurring payment is applicable, the plan starts on the date that the first payment is collected. If we cannot collect the first payment on your preferred start date, we will collect the first payment one month later and move the start date accordingly.

If a one-off payment is applicable, the plan starts on the date that the payment is collected from your bank account. If we cannot collect the payment on your preferred collection date, we will collect the payment on the first possible date thereafter and move the start date in line with this.

Yes, the recurring payment will increase with the Sanlam inflation rate one year after the plan's start date, and on every plan anniversary thereafter.

The Sanlam inflation rate is determined taking into account the change in the consumer price index, or any other commonly accepted method of measuring inflation that may apply at the time. The Sanlam inflation rate may differ from published inflation rates, due to differences in calculation methods. A minimum rate applies, which may change from time to time.

Yes, you can add one-off contributions at any time after your plan has been issued. Please call the Sanlam Client Care Centre at 021 916 5000 or 0860 726 526 (SANLAM), or send an email to life@sanlam.co.za to arrange.

In your application, you need to indicate the date that you want the first payment to be deducted. If it is not possible to deduct the first payment on this date, we will deduct it one month later.

All payments are due on the same day of the month as the date selected for the first payment, or the first working day thereafter if the due date is not a working day.

Select the date for the first deduction to fall on or just after your salary payment date, to ensure that you have sufficient funds available.

The recurring payment can be increased, reduced or stopped. Contact the Sanlam Client Care Centre on (021)916-5000 or 0860 726 526(SANLAM) or send an e-mail to life@sanlam.co.za.

  • The minimum increase amount is currently R150 per month.
  • If you reduce the payment, it cannot be less than the minimum payment for a new plan. Currently this is R300 for investments of 20 years or longer, R400 for 15 to 20 years and R500 for 10 to 15 years if you are investing in the default investment option. If you select your own funds, the minimum payment is R500 for investments of 20 years or longer and R750 for 10 to 20 years.
  • The recurring payment may only be stopped if the remaining fund value of the plan will be at least R100 after deducting the transaction charge. If not, the plan will lapse.

If you select the default option, your money is invested in the Satrix Life Time Investment Option.

This option initially invests in a passively managed fund, tracking a basket of indices at a very low investment fee. This fund is moderately aggressive and can have a fair amount of fluctuations in short-term returns, in anticipation of higher real return over the long-term. Six years before your retirement date, your investments are phased into the Wealth Protector fund to protect your savings against the possibility of capital loss at your planned retirement date. It is important that you adjust the planned retirement date on your Sanlam Retirement Annuity should your retirement plans change.

If you prefer to select your own funds, we offer a range of quality investment funds. You can choose up to five funds at first, and can switch between the available funds at any time. The first four switches in any plan year are free.

We invest your full payment in the respective investment funds by buying units in each of these funds. The unit prices of the investment funds are not guaranteed, and may increase or decrease over time.

The total fund value of the plan is equal to the sum of the values of the underlying investment funds. The fund value for each investment fund is equal to the number of units you have in the fund multiplied by the unit price at the calculation date.

In the event of a claim, please inform us as soon as possible. To obtain the necessary claim forms and to ensure that all the required information is supplied, contact the Sanlam Life Claims Call Centre at 021 916 1710.

Depending on the nature of the claim, documentary proof (e.g. a death certificate or medical report) will be required.

You can retire from your Sanlam Retirement Annuity at any time from age 55, or earlier in the event of ill-health.

The retirement benefit of the Sanlam Retirement Annuity is equal to the fund value of the plan less the transaction charge, if applicable. If you retire early, the Echo Bonus that is added to the fund value will be lower than it would have been if you had invested until your planned retirement date.

According to current legislation, up to one-third of the retirement benefit may be taken as a lump sum. The balance must be used to provide regular pension payments.

The fund value plus the Echo Bonus calculated to the date of death will be paid either as a lump sum or used to provide regular pension payments.

As required by the Pension Funds Act, the death benefit must be paid to the dependants and the nominees (if appointed) of the life insured. The trustees of the Sanlam Retirement Fund are responsible for allocating the benefit to the dependants and nominees.

How Tax-free Savings Accounts Work

  • Your money can grow faster in a tax-free savings account compared to a regular savings account because you don't pay tax on the investment return.
  • A tax-free savings account is therefore an effective way to save for your goals, because any interest, dividends or capital gains from your tax-free savings account will be free of tax.

Saving in a tax-free savings account gives you flexibility as you don’t have to commit to any future contributions. You can withdraw from your investment at any time. Withdrawing funds, however, may prevent you from reaching your savings goals, and will use up part of your lifetime limit for tax-free savings.

Contributions to a tax-free savings account are made from post-tax income.

A Tax-free Investment Account is therefore an effective way to save for your goals, because any interest, dividends or capital gains from your tax-free savings account will be free of tax.

No tax is payable on withdrawals.

National Treasury has put limits on the amount you can save in a tax-free savings account. The total annual contribution in a tax year may not exceed the annual contribution limit, which is currently R36 000 per tax year. The total lifetime contribution may not exceed R500 000. Make sure you keep track of how much you've paid so that you don't exceed your limit across all approved tax-free savings accounts (at Sanlam or other providers).

The effect of compound interest, or earning investment return on investment return, is increased in a tax-free savings account due to the tax relief on the investment return. The longer you invest the more benefit you will get.

If you invest more than the annual contribution limit stipulated by National Treasury, SARS will impose a tax penalty of 40% on excess contributions. To avoid penalties, make sure that your annual payments across all approved tax-free savings account (at Sanlam or other providers) stay below the limits.

It is compulsory to disclose the investment information when submitting your annual tax return. You will need to submit the IT3(s) statements provided by Sanlam or other providers to SARS when requested. Sanlam will also submit the information to SARS electronically.

The South African tax year runs from 1 March to 28 February of the next year.

Yes, you can apply for a Tax-free Investment on behalf of your child or other family member, but keep in mind that you will be using part of their tax-free allowance, which may limit their ability to save for themselves via this type of product later. Money withdrawn can only be paid out into a bank account which is in the family member’s name. Be careful of donations tax, if applicable.

A tax-free savings account can only be opened for an individual. You can open one for each individual in a family, but cannot open one in the name of a trust or a company.

Sanlam’s Tax-free Investment Offering

The Sanlam Tax-free Investment offers low fees and discounted investment management fees making it a competitive and cost-effective savings choice. As Wealthsmiths, we are dedicated to improving the savings culture in the country.

You can make monthly or one-off payments into a Sanlam Tax-free Investment. The payments in any tax year are limited to the annual contribution limit in that year. As of 1 March 2020, this is currently R36 000 per year. The total lifetime contribution limit is R500 000. If you go above these limits you will incur tax penalties.

  • If you choose to make monthly payments, you can pay between R350 and R3 000 per month. If you choose to select your own funds, the minimum contribution is R500 per month.
  • If you start with a one-off payment, you can pay between R10 000 and R36 000. If you choose to select your own funds, the minimum one-off payment is R15 000.

You can add additional one-off payments of between R3 000 and R36 000 in future, as long as your total payment in the tax year does not exceed the annual contribution limit.

The maximums above will be adjusted if the annual contribution limit is changed.

No, but you should decide upfront how long you plan to invest, as your fund allocation needs to be appropriate for your expected investment term.

If you used the default Satrix Life Time Investment Option, we use the expected investment term to manage the investment. Therefore, to ensure that we invest your funds appropriately, you need to inform us of any changes in the expected investment term.

If you select your own funds, you should review the underlying funds if your expected investment term changes.

The effect of compound interest, or earning investment return on investment return, is increased in a Tax Free Investment Account due to the tax relief on the investment return. The longer you invest, the more benefit you will get. The Sanlam Tax-free investment has a minimum investment term of 5 years, so that you benefit from the tax relief and get value for money.

FICA is only applicable of you make recurring payments of R25 000 or more per year, which is R2 083 or more per month.

If FICA is required, you will need to provide proof of identify and your residential address. One of our call centre agents will call you to make the necessary arrangements.

Fees and Charges

The current charges for the Sanlam Tax-free Investment consist of the administration charge plus the Investment Management Charges. The current charges are:

Administration charge
This fee is a percentage of the fund value. The charge is calculated on a monthly basis, which means the percentage is divided by 12 to calculate the monthly amount. This charge is subject to a minimum rand amount that will be increased gradually over 24 months from R0 per month on the start date of the plan to R43.50 per month if you invest in the default fund or R52.50 if you add the ability to select your own funds. This current minimum rand amount will be increased from time to time to allow for inflation.

Fund size range Yearly marketing and administration charge % of the fund value of the plan
0 1.45
R1 300 000 and thereafter 0.20

Investment Management Charge

An asset manager charges fees for investment research and selecting the underlying assets for a specific investment fund. These fees are taken into account in the calculation of the daily unit price of the investment fund. The published performance figures of the investment fund are therefor net of these fees.

The Investment Management Charge for the default Satrix Life Time Investment Option is 0.6% per year for the underlying funds.

If you select your own funds, the Investment Management Charge of your plan is the weighted average of the Total Investment Cost of the selected investment funds.

The Total Investment Cost for each of the available investment funds is shown on the fund selection table and in the fund fact sheet for that fund - View Fund Fact Sheets

There will be no transaction charge for any of the following:

  • Reducing or stopping of a recurring payment;
  • Withdrawals from the plan
  • Terminating the plan

You will be charged R 300 to add the ability to select your own funds to a plan that currently invests in the default Satrix Life Time Investment Option.

Making Payments into a Tax-free Investment

Recurring payments into the Sanlam Tax-free Investment are payable by debit order.

One-off payments at the start of the plan are also payable by debit order.

You can add additional one-off payments during the lifetime of the plan on Sanlam Secure Services or by contacting the Sanlam Client Care Centre at 021 916 5000 or 0860 726 526 (SANLAM), or send an email to life@sanlam.co.za.

You can access Sanlam Secure Services via the Login button on www.sanlam.co.za.

You need to select the date you want the first payment to be taken off your bank account. If it is not possible to take off the first payment on this date, we will take it off one month later.

All payments are due on the same day of the month as the date selected for the first payment, or the first working day thereafter if the due date is not a working day.

Select the date for the first payment to fall on or just after your salary payment date, to make sure that you have enough funds available.

You can choose your monthly payments to remain the same or increase yearly on the plan's anniversary. Payments can increase at a fixed rate or at the Sanlam inflation rate. Sanlam will limit the annual payment increase to make sure that your payments in a tax year do not exceed the annual contribution limit.

Yes, you can add one-off payments at any time after your plan has been issued. The minimum additional one-off payment is R2 500. You can add one-off payments by registering on Sanlam Secure Services on www.sanlam.co.za and then select the ‘Invest more’ link in respect of the applicable Tax-free Investment plan displayed in your portfolio. You can access Sanlam Secure Services via the Login button on www.sanlam.co.za.

You can also add additional one-off payments by contacting the Sanlam Client Care Centre at 021 916 5000 or 0860 726 526 (SANLAM), or send an email to life@sanlam.co.za.

The recurring payment can be increased, reduced or stopped. Contact the Sanlam Client Care Centre on (021)916-5000 or 0860 726 526(SANLAM) or send an e-mail to life@sanlam.co.za.

  • The minimum increase amount is R350 per month.
  • If you reduce the payment, it cannot be less than the minimum payment for a new plan at that time. This is currently R350 per month if you invested in the default option and R500 per month if you selected your own funds.

If a recurring payment is applicable, the plan starts on the date that the first payment is made. If we cannot collect the first payment on your preferred start date, we will collect the first payment one month later and move the start date in line with this.

If a one-off payment is applicable, the plan starts on the date that the payment is collected from your bank account. If we cannot collect the payment on your preferred collection date, we will collect the payment on the first possible date thereafter and move the start date in line with this.

The Sanlam inflation rate is worked out considering the change in the consumer price index, or any other commonly accepted method of measuring inflation that may apply at the time. The Sanlam inflation rate may differ from published inflation rates, due to differences in calculation methods. A minimum rate applies, which may change from time to time.

Investment Options

If you select the default option, your money is invested in the Satrix Life Time Investment Option for Tax-free Investments.This option invests in the Satrix Balanced Index Fund and the Satrix Low Equity Balanced Index Fund. We manage the allocation to these funds on your behalf. If the investment term is longer than 10 years, all funds are initially invested in the Satrix Balanced Index Fund. This fund is moderately aggressive and can have a fair amount of fluctuations in short-term returns, in anticipation of higher real return over the long-term. If the remaining expected investment term is less than 10 years, the funds are gradually switched to the Satrix Low Equity Balanced Index Fund, a fund with more stable investment returns. Both of these funds are passively managed funds, tracking a basket of indices.

If you prefer to select your own funds, we offer a range of quality investment funds. You can choose up to five funds at first, and can switch between these funds at any time. The first four switches in any plan year are free. You can get more information on the available funds in their fund fact sheets.

In the Satrix Life Time Investment Option for Tax-free Investments we manage your investment on your behalf. This option invests in the Satrix Balanced Index Fund and the Satrix Low Equity Balanced Index Fund. Both of these funds are passively managed funds, tracking a basket of indices. The allocation to these funds is based on the expected investment term.

If the expected investment term is longer than 10 years, all funds are invested in the Satrix Balanced Index Fund. This fund is moderately aggressive and can have a fair amount of fluctuations in short-term returns, in anticipation of higher real return over the long-term.

From ten years before the end of your expected investment term, 2.5% of your investment is switched to the Satrix Low Equity Balanced Index Fund every quarter, a fund with more stable investment returns.

If your expected investment term at the start of the plan is shorter than 10 years, your investment is allocated to both the funds. For example, if your expected investment term is 5 years, 50% of your investment will be allocated to each of the funds.

It is important that you adjust your plan if your expected investment term changes to ensure that your investment is allocated appropriately. Contact the Sanlam Client Care Centre on (021)916-5000 or 0860 726 526(SANLAM) or send an e-mail to life@sanlam.co.za.

Satrix

Vertical axis = Fund allocation
Horizontal axis = Remaining term

On a Comprehensive plan If you selected your own funds, you can switch your investment funds at any time. You have four free switches a plan year. Thereafter a switching fee of R 810 will be charged per switch.

On a Core plan If you selected the default investment option, your funds are invested in the Satrix Lifetime Investment Option for Tax-free Investments. We manage your investment on your behalf. We will gradually switch your funds to a more stable investment. All of these switches are free.

We invest your full payment in the underlying investment funds by buying units in each of these funds. The unit prices of the investment funds are not guaranteed, and may increase or decrease over time.

The total fund value of the plan is equal to the sum of the values of the underlying investment funds. The fund value for each investment fund is equal to the number of units you have in the fund multiplied by the unit price at the calculation date.

Investment funds can invest in multiple asset classes or a single asset class. For funds with a single asset class, the fund mandate describes the asset class (e.g. equity, cash or property). For funds with multiple asset classes, the fund mandate describes the investment risk profile (e.g. cautious, moderate or aggressive):

CONSERVATIVE: Conservative investments provide modest returns with a high degree of capital security. A typical portfolio will consist primarily of income orientated asset classes such as cash, bonds and property, with very little exposure to equities. The expected return may be close to inflation. There is therefore a risk that the real value of an investment may reduce over time, after taking fees and taxes into consideration.

CAUTIOUS: Cautious investments provide stable returns with limited risk of capital loss. A typical portfolio will consist primarily of income orientated asset classes such as cash, bonds and property, with limited exposure to equities.

MODERATE: Moderate investments should generate real returns by outperforming inflation over the longer term, but will at times experience short-term negative returns. A typical portfolio is diversified over all major asset classes to provide a balance between risk and return. There is a moderate risk of capital losses in the short term.

MODERATELY AGGRESSIVE: Moderately aggressive investments can have a fair amount of fluctuations in the short-term returns, in anticipation of higher real returns over the long -term. A typical portfolio is diversified over all major asset classes, with a bias towards equities to create real capital growth over the long term. There is a substantial risk of capital losses in the short -term.

AGGRESSIVE: Aggressive investments aims to maximise real return over the long term, but may experience severe short-term negative returns. A typical portfolio is diversified over all major asset classes, with a strong bias towards equities in order to significantly outperform inflation over the long term. There is a significant risk of capital losses in the short term.

Multi-asset class funds offer exposure to various asset classes including cash, equity, bonds and property. In a passively managed multi-asset class fund each underlying asset class tracks the return of its respective index. For example, in the SATRIX Balanced Index Fund the property exposure is managed to deliver the performance of the FTSE/JSE SA Listed Property Index (J253). The composite index simply combines the underlying indices, each with a specified weight.

A passive or index-tracking fund is used to follow the performance of a specified underlying index as closely as possible. An index is a grouping of shares or other securities. Indices can be constructed to represent the overall market or a specific sector or theme. This makes it possible for individual investors to obtain the performance of an index.

Satrix funds are managed by full replication, which means the fund will hold exactly the same underlying securities as the index, in exactly the same weights. Any changes that are applied to the index will also be applied to the index-tracking fund.

Passive management is an investment strategy based on tracking an underlying index, with the aim of delivering performance as close to that of the index as possible. An index-tracking fund is therefore constructed to match the specified index.

Actively managed funds are constructed to differ from the index that is used as their benchmark. Following rigorous company analysis, active managers make specific investment decisions with the aim of constructing a fund that outperforms the relevant benchmark. The outcome of these investment decisions will determine whether the active fund performs better or worse than the index.

The fees associated with active management are higher than those associated with passive management.

Account Information

After the start date of your plan, you can get information on Sanlam Secure Services. You can register using your plan number by going to the Secure Services link under Login on www.sanlam.co.za. Alternatively, you can contact the Sanlam Client Care Centre at 021 916 5000 or 0860 SANLAM (0860 726 526), or send an email to life@sanlam.co.za.

You can register for Sanlam Secure Services and then get information online about your Sanlam products.

Go to www.sanlam.co.za and click on Login. Select the Secure Services link on the Login menu. You can use your plan number to register for Secure Services.

Once your application has been processed, you will have 30 days in which to examine the contract documents and decide whether you wish to continue with the plan.

If the plan does not meet your needs, and if you have not made any changes to it, you can cancel it by letting us know in writing during this period. We will refund any payments you have already made. If the assets in which the payments were invested have decreased in value, or if you have already received benefits from the plan, we will reduce the amount to be refunded to you in line with this.

If you need further information on your Sanlam Tax-free Investment please phone our Sanlam Client Care Centre on 021 916 5000 or 0860 SANLAM (0860 726 526), or send us an email at life@sanlam.co.za. Our Compliance department can be contacted at the same number.

When you get advice from a registered financial planner, and buy a product through that broker or advisor, you are protected under the Financial Advisory and Intermediary Services (FAIS) Act of 2002. This means that if you are not satisfied with the advice you received and the manner in which we responded to a complaint you may have had, you can submit a formal complaint to the FAIS Ombud.

If you purchase a financial product directly from a product provider without the help of a broker or advisor, you take full responsibility for your decisions.

You can at any time contact a Sanlam financial planner to get advice on your fund choice. If you selected your own funds, you can add a fee for advice to your existing plan. Contact the Sanlam Client Care Centre on (021)916-5000 or 0860 726 526(SANLAM) or send an e-mail to life@sanlam.co.za. Alternatively, you can submit an enquiry/request online at: www.sanlam.co.za/contact/getadvice/Pages/default.aspx

If you provide Sanlam with your tax number, Sanlam will submit your information electronically to SARS. This will make it easier to complete your annual tax return.

Contact the Sanlam Client Care Centre on (021)916-5000 or 0860 726 526(SANLAM) or send an e-mail to life@sanlam.co.za.

You will need your plan number, the beneficiary’s full names, ID number, and the percentage of the benefit that you wish to allocate.

Sanlam Tax-free Investment: Withdrawals and Submitting a Claim

You can withdraw money at any time. No fees will be charged for withdrawals.

Any re-investment will count towards your total tax-free savings payments, which are limited to R500 000 over your lifetime. Withdrawing funds may prevent you from reaching your savings goals.

The effect of compound interest, or earning investment return on investment return, is increased in a tax-free savings account due to the tax relief on the investment return. The longer you invest the more benefit you will get.

No, but you can withdraw a part or all of your investment if you need access to the funds.

Yes, if you selected your own funds you can ask for monthly income payments once the fund value on your plan has reached a minimum (currently R 40 000). You cannot take income while making recurring payments.

You cannot take income from a plan invested in the default investment option.

The fund value on the date we are notified of your death will be paid to the beneficiaries on the plan or to your estate, if no beneficiaries were appointed.

Beneficiaries will receive the proceeds tax free, and can choose to take out a new tax-free investment if they want to continue investing in this product.

In the event of a claim, please tell us as soon as possible. To get the necessary claim forms and to make sure that all the required information is supplied, contact the Sanlam Life Claims Call Centre at 021 916 1710.

Depending on the nature of the claim, certain documents (e.g. a death certificate) may be required.

A unit trust is an investment vehicle which gives you affordable access to the financial markets without having to buy the assets yourself. When you invest in a unit trust the money is pooled with that of other investors. This pool of money is used to invest in a portfolio of assets such as equities, bonds, cash and property, depending on the objective of the unit trust. The unit trust is divided into units of equal value, which will be allocated to you according to the amount of money you invest and the price of the units on that day.

  • A unit trust enables you to access and benefit from investments at a much lower cost than if you buy them directly on the security market.
  • From R500 a month you enjoy access to professional investment managers and index tracking funds, offering you local and international investments.
  • Unit trusts have no lock-in period, meaning that you decide when and how many units to buy, which you will own until you decide to sell them.
  • Unit trusts are also well protected in South Africa and regulated by government legislation and industry standards.

Each fund has an investment minimum which is disclosed on the minimum disclosure document (also known as fund fact sheet). You can invest a once-off amount (lump-sum), regular monthly amounts or if you are an existing investor, you can make additional investments when it suits you.

The cost associated with each fund is available in the Minimum Disclosure Document (fund fact sheet) so that you can make an informed choice.

  • Advisory Fees
    • No advisory fees are payable on unit trusts purchased on this website. You may negotiate on-going advisory fees with a financial planner in future if you require advisory services.
  • Management Fees
    • Fees payable to the fund manager for the investment management. This is shown in the Minimum Disclosure Document of each fund.
  • Total Expense Ratio (TER)
    • The total expense ratio is a measure of the total costs, fees and expenses that were incurred and levied in the fund over a 12-month period.
    • The TER will include all costs and expenses necessary for the normal operation of the unit trust fund including management fees, but will exclude advisory fees.
    • Each fund will have a different TER which can be seen on the Minimum Disclosure Document.

The Effective Annual Cost (EAC) is a measurement that aims to standardise cost disclosures across different investment products. It is expressed as an annualised percentage and is made up of four components (investment management charges, advice charges, administration charges and other charges), which are added together. The EAC shows the extent to which the investment return will be reduced by charges over a specified period. The lower the EAC, the more cost-effective an investment is.

A number of Sanlam Unit Trust funds are available. They are categorised based on risk profile to suit investors different investment objectives and timeframes, as well as different levels of tolerance for investment risk. The investment mandate of a specific fund is linked to its risk profile and will determine which assets the fund can invest in.

Available funds can have one of the following investment risk profiles:

CONSERVATIVE: Conservative investments provide modest returns with a high degree of capital security. A typical portfolio will consist primarily of income orientated asset classes such as cash, bonds and property, with very little exposure to equities. The expected return may be close to inflation. There is therefore a risk that the real value of an investment may reduce over time, after taking fees and taxes into consideration.

CAUTIOUS: Cautious investments provide stable returns with limited risk of capital loss. A typical portfolio will consist primarily of income orientated asset classes such as cash, bonds and property, with limited exposure to equities.

MODERATE: Moderate investments should generate real returns by outperforming inflation over the longer term, but will at times experience short-term negative returns. A typical portfolio is diversified over all major asset classes to provide a balance between risk and return. There is a moderate risk of capital losses in the short-term.

MODERATELY AGGRESSIVE: Moderately aggressive investments can have a fair amount of fluctuations in the short-term returns, in anticipation of higher real returns over the long-term. A typical portfolio is diversified over all major asset classes, with a bias towards equities to create real capital growth over the long term. There is a substantial risk of capital losses in the short-term.

AGGRESSIVE: Aggressive investments aims to maximise real return over the long-term, but may experience severe short-term negative returns. A typical portfolio is diversified over all major asset classes, with a strong bias towards equities in order to significantly outperform inflation over the long-term. There is a significant risk of capital losses in the short-term.

Once you have opened your unit trust fund, register on Sanlam’s Secure Service site to access and manage your portfolio online. Simply go click on Secure Service and follow the easy steps to complete your registration. You will have access to your portfolio information 24/7 at your convenience.

Alternatively, you can contact the Sanlam Collective Investment Client Contact Centre at 0860 100 266 or service@sanlaminvestments.com.

Should you have any enquiries or require additional assistance, please contact the Sanlam Collective Investments Client Contact Centre on 0860 100 266 or service@sanlaminvestments.com.

The income and capital gains from your unit trust investments are taxable and you need to report it on your income tax return. Sanlam Collective Investments send investors tax certificates annually at the end of May. If a capital gain or loss is incurred, this is reflected on the IT3(c) tax certificate and the investor may be liable for Capital Gains Tax (CGT).

Interest income and dividends are reflected on the IT3(b) tax certificate. Tax on dividends is withheld, while interest income for RSA taxpayers is paid excluding tax. Dividends Tax are withheld at 20% in line with tax legislation. If you qualify for a reduction in the Dividends Tax rate or an exemption, your withholding tax rate will be adjusted upon receipt of the relevant Dividends Tax Form. You can find the form on the Sanlam Collective Investments website at www.sanlaminvestments.com.

Certain non-SA investors may qualify for an exemption from or a reduced rate for withholding tax on interest or may qualify for a reduced rate in dividends tax. In order to qualify for this, please complete the Withholding Tax on Interest Declaration Form (WTI) and/or the Dividends Tax Form (DTD) (RR), available on the Sanlam Collective Investments website at www.sanlaminvestments.com.

Remember to consult your financial planner on how to structure your investments optimally.

Make sure you and up to 20 loved ones have everything you need for a dignified funeral. We'll automatically double everyone's cover after 3 years at no extra cost. And we'll reward you with a growing Wealth Bonus for every member you add.

Sanlam Indie Funeral Cover helps you and your family cover the following:

  • Funeral costs
  • Mortuary costs
  • Repatriation costs
  • Transport costs

When you die, your beneficiaries receive a tax-free, one-off payout. The amount will depend on the cover you’ve chosen. If a covered member of your family dies, you will receive this payout.

We usually pay out within 4 to 48 hours of a claim, so you have funds to pay for the immediate costs of a death.

That all depends on how big of a send-off you want for yourself or for the ones you love.

You and your spouse can be covered for up to a maximum of R50 000 each, and you can choose to insure additional lives for up to a maximum of R50 000 each. Sanlam Indie will automatically double your cover (up to R100 000) after 3 years at no extra cost (assuming the cover is still active).

Starting from R100 pm, your premium is determined by your age.

In certain cases the cost for in-hospital procedures or outpatient treatment may exceed the base medical aid rate by 5-times. By taking out Sanlam Medical Gap Cover Insurance, you ensure that you and your family aren’t left with a large excess amount to settle.

  • You need to be an existing member of a registered medical aid scheme.
  • Gap cover extends to the principal member, their spouse and children until they reach the age of 27. Families covered on 2 medical aids will be covered by a single Sanlam Gap Cover policy.
  • Special dependents may be included (excluding financially dependent parents).

Yes, the following waiting periods apply:

  • A general waiting period of 3 months on all benefits.
  • A 12 months condition specific for pre-existing conditions for which you received advice, treatment or diagnosis during the 12 months prior to the cover commencing.
  • Please refer to our Policy Document for 2023 (Section H) for more information.
  • Treatment for obesity, including bariatric surgery (stomach stapling).
  • Treatment for cosmetic surgery unless necessitated by a trauma or as a result of oncology treatment (e.g. breast reconstruction following a mastectomy).
  • Specialised Dentistry is only paid for on the Sanlam Gap Cover Comprehensive Plan in the event of trauma, cancers and tumours.
  • Claims older than 6 months.
  • Any claim that is excluded or rejected by the Insured’s medical scheme.
  • Please refer to our Policy Document for 2023 (Section I) for more information.

Comprehensive Medical Gap Cover

  • Individual
    0-59 years R246pm
    60+ years R494pm
  • Families
    0-59 years R429pm
    60+ years R864pm

Claims are assessed by Kaelo Risk (Pty) Ltd, the Sanlam Gap Cover administrator. Claims must be submitted within 6 months of an event.

Claim submissions can be sent to:
Email: sanlamclaims@kaelo.co.za
Fax: 086 501 8521
Or contact Kaelo Risk at: 0861 11 11 67

Download claim form

We require the following documents from you to process your claim:

  • Claims transaction remittance (receipt) from the medical scheme.
  • Relevant doctors’ accounts.
  • Hospital account (the first four pages showing admission/discharge times and ICD codes).
  • Current medical scheme membership certificate (copy of the membership card is not accepted).

An e-mail and SMS is sent to the member when:

  • The claim is captured.
  • Outstanding documentation is requested (assuming you have not signed the authority form).
  • The claim is authorised.

Please note that payments will be made directly into the principal member’s bank account.

Financially dependent parents will be required to take out their own gap policy as Sanlam Gap will only cover the principal member, partner/spouse and children (under the age of 27).

No, the supplementary benefits are additional benefits Sanlam offers their clients.

Six months from the insured event.

All the beneficiaries covered on the policy can claim for this benefit in the event of death or permanent disability due to accidental harm. Children below six years R20 000, all other insured parties R30 000.

No, only pre-existing conditions will be excluded for 12 months if the client did not have previous cover.

You have 90 days of which to add your baby onto your policy.

A maximum of two events are covered under this Benefit Per Annum and up to a maximum amount of R17 500 per event, subject to the Core Benefit Limit

About Go Cover

Access and Sign-in

People, Availability & Exclusions

Benefits, Duration, & Costs

Buying & Redeeming Go Cover

Payment & Security

Go Cover Admin & Claims

If a person dies without a will, it could lead to severe administrative, tax and legal problems and possibly also lead to financial losses.

In your will, you determine how your assets should be divided, and nominate an executor and trustee to take care of the division of the estate's assets and to handle the administration of any trust assets.

You have the right to name heirs as you wish in your will. If you don't, your assets will be divided according to the Intestate Succession Act, No 81 of 1987, after your death. This could mean that persons you would have preferred not inherit from you, could inherit.

Your will therefore determines the future of everything that you've built up through the years – and your heirs can be directly disadvantaged if you don't plan correctly. Estate duty, income tax, VAT and capital gains tax (CGT) can take a big chunk out of your estate if your planning is wrong.

If you suspect that your will might be more complicated (for instance because there are children from a previous marriage, complex business arrangements and specific wishes), contact us.

The executor of your estate must administer your estate in terms of the Administration of Estates Act 66 of 1965, and any other relevant Acts, and execute your estate in accordance with the stipulations of your will (or Intestate Succession Act, when applicable) under supervision of the Master of the High Court. The executor is the company, firm or person that you appointed in your will.

The appointment of an executor is a big responsibility. You may appoint your spouse, but this is in most cases not a good idea, since your spouse could be emotionally shattered and not ready to take important financial decisions.

Without the necessary knowledge, your spouse will also not know where to get the best advice or service. Your spouse may be exposed to someone serving his own interests, in which case the estate's chequebook might end up in the wrong hands.

Approaching a reputable company or section of a company specialising in wills, estates and trusts is a much safer idea:

  • You will enjoy the benefits of specialised experience and knowledge
  • Your estate will be handled deftly and professionally and you are ensured of objective advice
  • You enjoy complete security through internal control
  • Sophisticated computer systems ensure top quality service

As a leading trust company in South Africa, Sanlam Trust offers expert management of deceased solvent estates and living and testamentary trusts. Sanlam Trust can act as executor of your estate and trustee of your trust.

Should you choose Sanlam Trust to act as the expert executor of your estate, a nominal annual fee of R57.50 will be charged. This amount covers the administration costs and safe keeping of your will in a vault.

You will also get:

  • A 5% discount on executor’s fees on estates larger than R950 000 (terms and conditions apply)
  • Free revision of your will on request
  • A free living will on request. A living will allows you to detail your desires regarding medical treatment when you are terminally ill or permanently unconscious and no longer able to express informed consent, making things easier for your family.

The content of a Shariah will is fixed and complies with Muslim or Islamic laws. If you would like to compile a Shariah will please contact us.

If you or your beneficiaries have any queries or would like to make changes to the will, please contact us.

  • An email with instructions will be sent to the email address provided
  • Please review, print and sign the will
  • If you’ve nominated Sanlam Trust as the executor of your estate, you will need to take the original printed and signed copy to your nearest Sanlam Client Care Centre, who will deliver it to Sanlam Trust for safe storage in our vault at a nominal annual fee of R57.50
  • If you’ve nominated another party as executor, we strongly advise that you ensure that your will is safely stored and that the party you have nominated as executor is informed of this

How much can I apply for?

You can apply for any amount, from R5 000 to R200 000 in increments of R1 000.

If I'm approved, how soon will I get my money?

With a Sanlam Personal Loan your loan amount will be deposited quickly and directly into your bank account.

Do I need to provide any documents?

When applying for a loan you will need to provide the following:

  • A copy of your green barcoded ID book or Smart ID card
  • Your last 3 months’ consecutive payslips or bank statements
  • Your bank account details into which your salary is paid

Do I have to provide collateral to secure my personal loan?

No, you don't as the Sanlam Personal Loan is unsecured.

Do I need to obtain permission from my spouse in order to take out a loan?

If you are married in community of property or under customary or foreign law, you will require consent from your spouse to enter into any credit agreement.

Can I be refused a loan?

Sanlam will always do its best to accommodate your requests, but ultimately your final loan amount will be based on your personal financial profile and is subject to credit approval.

I’m a South African citizen but I don’t live here, can I still take out a loan?

To qualify for a loan you have to both work and live in South Africa.

Can I use my personal loan amount as I choose?

The money is yours to spend as you see fit.

What are the loan repayment terms?

Repayment terms for a Sanlam Personal Loan are from 12 months to 6 years (72 months) and based on the Loan Options table below.

Loan amount R40 000
12 months R4 204.94
Total amount repayable R50 459.26
24 months R2,491.07
Total amount repayable R59,785.76
36 months R1,935.36
Total amount repayable R69,673.07
48 months R1,668.72
Total amount repayable R80,098.58
60 months R1,517.21
Total amount repayable R91,032.38
72 months R1,422.76
Total amount repayable R102,438.90
Loan amount R60 000
12 months R6,212.31
Total amount repayable R74,547.72
24 months R3,666.62
Total amount repayable R87,998.95
36 months R2,841.20
Total amount repayable R102,283.19
48 months R2,445.14
Total amount repayable R117,366.83
60 months R2,220.09
Total amount repayable R133,205.47
72 months R2,079.81
Total amount repayable R149,746.25
Loan amount R80 000
12 months R8,219.68
Total amount repayable R98,636.18
24 months R4,842.17
Total amount repayable R116,212.14
36 months R3,747.04
Total amount repayable R134,893.31
48 months R3,221.56
Total amount repayable R154,635.08
60 months R2,922.98
Total amount repayable R175,378.56
72 months R2,736.86
Total amount repayable R197,053.61
Loan amount R100 000
12 months R10,227.05
Total amount repayable R122,724.64
24 months R6,017.72
Total amount repayable R144,425.34
36 months R4,652.87
Total amount repayable R167,503.43
48 months R3,997.99
Total amount repayable R191,903.34
60 months R3,625.86
Total amount repayable R217,551.65
72 months R3,393.90
Total amount repayable R244,360.97
Loan amount R120 000
12 months R12,234.42
Total amount repayable R146,813.10
24 months R7,193.27
Total amount repayable R172,638.53
36 months R5,558.71
Total amount repayable R200,113.55
48 months R4,774.41
Total amount repayable R229,171.59
60 months R4,328.75
Total amount repayable R259,724.74
72 months R4,050.95
Total amount repayable R291,668.32
Loan amount R140 000
12 months R14,241.80
Total amount repayable R170,901.56
24 months R8,368.82
Total amount repayable R200,851.72
36 months R6,464.55
Total amount repayable R232,723.67
48 months R5,550.83
Total amount repayable R266,439.84
60 months R5,031.63
Total amount repayable R301,897.83
72 months R4,708.00
Total amount repayable R338,975.68

Will my loan repayments be affected by interest rate fluctuations?

No. The interest rate on your loan will be fixed at our current interest rate for your full loan term, so your repayments will never increase, even if the interest rate goes up.

Can I choose how I make my repayments?

For your convenience, your repayments will be deducted by debit order from the bank account into which your salary is paid every month.

How can I protect my family?

Every Sanlam Loan includes our Personal Protection Plan, which settles your outstanding loan balance in the event of your death, permanent disability or certain dread diseases. It also provides limited cover in the event of temporary disability and should you be retrenched, a once-off payment equal to six instalments will be paid out to you. Of course, you're free to substitute the plan with a policy of your choice, providing the cover offered is equivalent.

  • Sanlam Life Insurance can help your family cover the following:
    • Funeral costs
    • Costs associated with the administration of your estate
    • Repaying outstanding debt
    • Regular living expenses
  • Your beneficiaries do not pay tax on your life insurance payout
  • The quick payout portion will be paid as quickly as possible so that your family can cover urgent costs, such as funeral costs and daily essentials
  • If you're diagnosed with a terminal illness and your life expectancy is less than one year, you will receive an immediate tax-free, one-off payout

When you die, your beneficiaries receive a tax-free, one-off payout. The amount will depend on the cover you’ve chosen.

Everyone has different needs. Essentially, you should take into account your current outstanding debt and subtract any existing life insurance cover you have. The gap between the two should be the amount of cover you go for.

Starting from R100 pm, your premium is determined by your age and risk profile when you take out the cover.

  • Sanlam Critical Illness Cover can help with the following extra costs not taken care of by medical aid and/or gap cover:
    • Additional monthly costs such as employing someone to care for children (nanny or au pair) and the home
    • The financial impact of taking extended time off work to speed up recovery
    • Travel and accommodation expenses to treatment centres

Critical illness cover that pays you a lump sum if you're diagnosed with cancer or one of the other serious conditions we cover. This means that if you get a dread disease, the cover will be paid out in one go.

Most people choose to have at least R350 000 of cover, or about 6 months of income (after tax but before other deductions) if that’s higher.

Your cover amount will automatically grow each year with inflation, but you can choose to opt out of this growth (in order to reduce your premium).

We'll help you work out the amount of cover you need in just minutes.

Starting from R100 p/m, your premium is determined by your age and risk profile when you take out the cover.

  • Ensures a steady, tax-free monthly income should you lose part or all of your income if you are temporarily or permanently unable to work.
    • If you own a business, income protection may enable you to employ someone to run the business in your absence
    • If you work for a company, the product can plug the expense gap if the cover put in place by your employer isn't enough
    • It can also top up your salary when you're able to work, but face additional expenses due to certain life events
    • We will waive the payments made on the plan while we make an income payment

If you become disabled or ill and can’t work for more than 21 days, you receive a tax-free monthly income until you recover or turn 70. The amount will depend on the cover you’ve chosen.

Most people need to cover about 85% of their existing income, after tax but before other deductions (like pension fund contributions), in case they become disabled. Also bear in mind any existing income protection you may have (which would reduce the amount of Sanlam Income Protection you need).

Your cover amount will automatically grow each year with inflation, but you can choose to opt out of this growth (in order to reduce your premium).

We’ll help you work out the amount of cover you need in just minutes.

Starting from R100 p/m, your premium is determined by your age and risk profile when you take out the cover.

  • Maintain your standard of living if you can no longer earn an income by covering your expenses, including:
    • Your family's basic living expenses
    • Expenses related to adjusting your home and car to support your disability
  • Our 3-in-1 cover pays for recognised, occupational and personal disability, including:
    • Loss of limbs
    • Disabilities that affect your employment
    • Conditions that leave you unable to take care of yourself

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.

Most people choose to have at least R350 000 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 the amount of cover you need in just minutes.

Starting from R100 p/m, your premium is determined by your age and risk profile when you take out the cover.

  • Every month, thousands of South Africans have accounts fraudulently opened in their names. It is your responsibility to check that this doesn’t happen to you.
  • 43% of South Africa’s 25 million credit-active consumers are behind on payments for at least one account. You might not be aware that you are behind on payments if you don’t regularly check your credit profile.
  • 15 000 South Africans log disputes with credit bureaus every month because they disagree with an entry on their credit record. You should check your credit profile often to ensure there are no faulty entries or suspicious activities on your record.

Prospective lenders and credit providers use your credit score to determine your ability to repay them. The credit score is normally determined by your payment history, the total debt owed, the length of time you have had debt and the number of recent credit applications. Based on your credit score, you will either be granted or denied credit in the form of loans, credit cards, bonds, store accounts and even cell phone contracts.

The best way to improve a poor credit score, or maintain a good one, is to pay off your debts on time, in other words, to pay what is due on or before the due date. Try to even pay more than what is required and make sure you never miss a single payment. Also only use debt for large and indispensable items (for example, home or car loans).

Different companies use different credit bureaus to calculate credit scores. However, all the bureaus track your loan repayment history and debt to work out your score, so your credit score on your Sanlam Credit Profile shouldn’t differ too vastly from other scores.

A credit report is a value that represents your history of punctual repayments on credit accounts, but also the total debt owed, the length of time you have had debt and the number of recent credit applications. Late payments, a high number of credit applications, a high value of debt, and time will affect your score negatively. When it comes to time, normally the longer you have credit, the better.

A credit report is a more comprehensive summary of your credit history and credit score, detailing when and where you have applied for credit in the past 24 months, the current balance of your credit lines and the monthly instalment. It will also highlight if you have had a judgment or a default (this is a written off account).

You can improve your credit score by paying off your debts on time and never missing monthly payments. Also remember not to use debt for smaller purchases – it should be reserved for larger, essential items. Sign up to receive your updated Sanlam Credit Profile every month. Use the information in this profile to see where you can cut out unnecessary credit. A credit coach is also on hand to help you, if necessary.

A good credit score increases your likelihood of being offered credit when you apply for it (for example, a bond, loan, credit card, vehicle finance or a cell phone contract) and also gives you access to lower interest rates. A good credit score could also benefit you when applying for a job, as the National Credit Act allows employers to check a candidate’s credit status.

Your credit score is affected by how much debt you have and how you have repaid debt in the past. You gain points for paying off debt on time, and lose points for any missed or late payments.

Transacting online can be risky. Here are some tips to keep your money out of the hands of fraudsters:

  • Never divulge your financial information over the phone or via email
  • Don’t access secure websites (for example, your bank or online investment portfolio) via public Wi-Fi
  • Don’t choose obvious passwords, such as your date of birth or the name of a pet
  • Don’t save your card information on shopping sites
  • Make sure your bank uses a two-step verification process. This means you will have to enter a one-time password that it sent to a mobile device before a transaction can go through.
  • Before entering any personal information, check whether the website concerned has an SSL certificate. If the URL starts with https:// (and not just http://) then the information you enter on the website is encrypted and far more secure.
  • Don’t click on hyperlinks from sources you do not know, no matter how enticing these may be

A credit management coach is a personal coach who is able to complete a full debt assessment for you and then advises you on how to improve your credit status. They can also help you eliminate incorrect credit information and advise you on how to build a good credit record.

Debt counselling is a process whereby a third party takes over the management of all your debts, and negotiates lower interest rates with your credit providers. Your monthly debt repayments will be reduced, as interest rates are renegotiated to a lower amount. An advantage of this is reduced monthly instalments, freeing up disposable income for use elsewhere. Debt counselling consolidates all your debt repayments to one amount; therefore, you only have to make one monthly payment to a payment distribution agency. When you go under debt counselling, you cannot access credit until the debt is paid (other than a home loan which takes much longer to pay off).

Sign up on Sanlam Credit Solutions to receive your free monthly credit profile or call one of our credit management coaches on 086 006 1058 to help you interpret your score.

It’s important to keep track of your credit score so that you can query any incorrect listings. If the information on your credit report is incorrect, you can report this and it will be changed. If you have a weak credit score, this knowledge will empower you to make changes to improve your credit score so that you can qualify for credit and better interest rates in the future.

Your credit report shows the status of your accounts and whether they are closed, paid up, in arrears or written off. A credit report will also show where and when you have opened a credit account and will show the balance outstanding and the monthly instalment. It will also highlight any court record information, such as judgments.

Credit providers want to gauge their level of risk when offering you credit. If you have a good credit score, it poses less of a risk to them and they will be more likely to grant you more credit and better interest rates. If your credit score flags you as a risky borrower, they will either deny you credit or substantially limit the amount of credit you can apply for.

If you have a bad credit score, you are unlikely to be offered more credit-by-credit providers. However, you can improve your credit score by paying off your existing debt on time, and as quickly as possible. Once you have established a history of paying off debt on time, your credit score will improve and you are more likely to be offered new credit in the future. Just make sure you keep up with your payments in order to maintain your good score.

You may be eligible for a consolidation loan to pay off all your outstanding debts. Call a Sanlam Credit Management Coach at 086 006 1058 and let them assist you in applying for this loan.

However, if you have a low credit record, you may have to opt for debt counselling, where a third party takes over your finances and makes arrangements with your different credit providers.

Financial planning helps you to manage your finances in such a way that you can achieve your life goals. Sound financial planning can help you pay for your children’s education, purchase a home and retire comfortably. Sanlam has many qualified financial advisers who can help you make the best financial decisions for your future.

A good credit score is important regardless of whether or not you have debt. Firstly, it’s important to know what your credit score is so that you can query any possible mistakes with your listing. Secondly, a good credit score will allow you to apply for credit in the future with confidence, and also makes you more attractive to prospective employers, as they can look up your credit score when you apply for a job. To get a good credit score, you do need to have some credit – make sure this is paid on time every month and your credit score will improve.

Unit Trusts – Fund Offering

Choose a unit trust that suits your needs.

When selecting a unit trust, you need to first consider your personal goals and determine where you are positioned on the risk scale. Ranging from conservative to aggressive, the risk scale outlines the different investor personalities to help you determine which fund is most suitable for you.

Low Risk
High Risk
Conservative
You are very careful and want to protect your capital.
Cautious
You'd prefer not to take risks, but can be persuaded.
Moderate
You're willing to take risks with some of your assets.
Moderate Aggressive
You understand the long-term risk/return trade-off.
Aggressive
You're willing to risk more for maximum returns.
  • 1 of 5

There's nothing wrong with being a conservative investor. Generally, this means that you're reluctant to lose any of the money you put away, even if it means making a smaller return on your investments. Your longer-term return should still be a healthy 1% to 2% per annum above inflation.

Sanlam Investment Management Managed Conservative FoF
Sanlam Investment Management Active Income Fund

Being a cautious investor means that you're willing to accept a small amount of risk for a short-term loss on your initial investment. On the flip-side, your longer-term returns should be between 3% and 4% per annum above inflation.

Sanlam Investment Management Managed Cautious FoF
Sanlam Investment Management Inflation Plus Fund

As a moderate investor, you are willing to accept a bit more risk in the short term, followed by probable returns of between 4% and 5% per annum above inflation in the future.

Sanlam Investment Management Balanced Fund
Sanlam Investment Management Managed Moderate Fund of Funds
Sanlam Multi Managed Moderate Fund of Funds

As a moderately aggressive investor, you probably believe that risk and reward go hand-in-hand. A higher level of risk on your investment should result in higher returns of about 5% per annum above inflation.

Sanlam Global Balanced Fund of Funds
Satrix Balanced Index Fund

If you're an aggressive investor, you're here to make as much of a return on your investment as possible, no matter the risk. If you're comfortable with high short-term risks, for probable long-term returns of 6% to 7% per annum above inflation, aggressive investing is for you.

Sanlam Investment Management Managed Aggressive FoF
Sanlam Investment Management General Equity Fund

For more information, view our daily prices.

Although all reasonable steps have been taken to ensure the information on this website is accurate, the Sanlam Collective Investments (RF) (Pty) Ltd / Satrix Managers (RF) (Pty) Ltd (“Sanlam Collective Investments”)/(“Satrix”) does not accept any responsibility for any claim, damages, loss or expense; however it arises, out of or in connection with the information. No member of Sanlam gives any representation, warranty or undertaking, nor accepts any responsibility or liability as to the accuracy of any of this information. The information to follow does not constitute financial advice as contemplated in terms of the Financial Advisory and Intermediary Services Act. Use or rely on this information at your own risk. Independent professional financial advice should always be sought before making an investment decision.

Sanlam Group is a full member of the Association for Savings and Investment SA. Collective investment schemes are generally medium- to long-term investments. Please note that past performances are not necessarily an accurate determination of future performances, and that the value of investments / units / unit trusts may go down as well as up. A schedule of fees and charges and maximum commissions is available from the Manager, Sanlam Collective Investments (RF) Pty Ltd / Satrix Managers (RF) (Pty) Ltd, a registered and approved Manager in Collective Investment Schemes in Securities. Additional information of the proposed investment, including brochures, application forms and annual or quarterly reports, can be obtained from the Manager, free of charge. Collective investments are traded at ruling prices and can engage in borrowing and scrip lending.

Collective investments are calculated on a net asset value basis, which is the total market value of all assets in the portfolio including any income accruals and less any deductible expenses such as audit fees, brokerage and service fees. Actual investment performance of the portfolio and the investor will differ depending on the initial fees applicable, the actual investment date, and the date of reinvestment of income as well as dividend withholding tax. Forward pricing is used. The Manager does not provide any guarantee either with respect to the capital or the return of a portfolio. The performance of the portfolio depends on the underlying assets and variable market factors. Performance is based on NAV to NAV calculations with income reinvestments done on the ex-div date. Lump sum investment performances are quoted. The portfolio may invest in other unit trust portfolios which levy their own fees, and may result is a higher fee structure for our portfolio. All the portfolio options presented are approved collective investment schemes in terms of Collective Investment Schemes Control Act, No 45 of 2002 (“CISCA”). International investments or investments in foreign securities could be accompanied by additional risks such as potential constraints on liquidity and repatriation of funds, macroeconomic risk, political risk, foreign exchange risk, tax risk, settlement risk as well as potential limitations on the availability of market information.

The Manager has the right to close any portfolios to new investors to manage them more efficiently in accordance with their mandates. The portfolio management of all the portfolios is outsourced to financial services providers authorized in terms of the Financial Advisory and Intermediary Services Act, 2002. Standard Bank of South Africa Ltd is the appointed trustee of the Sanlam Collective Investments Scheme/ Standard Chartered Bank is the appointed trustee of the Satrix Managers Scheme. A money market portfolio is not a bank deposit account. The price is targeted at a constant value. The total return to the investor is made up of interest received and any gain or loss made on any particular instrument and in most cases the return will merely have the effect of increasing or decreasing the daily yield, but that in the case of abnormal losses it can have the effect of reducing the capital value of the portfolio. Excessive withdrawals from the portfolio may place the portfolio under liquidity pressures and in such circumstances a process of ring-fencing of withdrawal instructions and managed pay-outs over time may be followed. A feeder fund is a portfolio that invests in a single portfolio of collective investment schemes, which levies its own charges and which could result in a higher fee structure for the feeder fund.

Unit Trusts – About Unit Trusts

A unit trust is an investment product that pools the money of many investors, and then invests it in a variety of assets, such as blue chip shares on the JSE, government bonds and listed property. This enables individual investors to access investments that they might not have been able to access on their own.

There are various types of unit trusts available, thereby catering to the needs of both cautious and aggressive investors, as well as everyone in between. Unit trusts are generally managed by highly experienced investment managers, whose core focus and motivation is maximising your returns.

Unit trusts are also well protected in South Africa and regulated by government legislation and industry standards.

Sanlam offers a wide selection of unit trust funds, ranging from conservative low-risk funds to aggressive higher-risk funds, which have produced excellent long-term performance. Our funds invest in all asset classes, including shares, property, government and corporate bonds, cash, and off-shore investments.

Online Will - Life Insurance

A high percentage of estates turn out to be insolvent, with debts exceeding assets, and despite having a will, your dependents are then left with nothing. Even worse, dependents can be left with outstanding debts to repay. We recommend that you contact one of our advisers to get a picture of exactly what cover will best suit your individual needs or get an online insurance quote.

How does the Cumulus Echo Retirement Plan work?

Boost your retirement savings from just R300 per month.

Retirement doesn’t have to be dull. Whether you want to maintain a certain lifestyle or see the world, investing in the Sanlam Cumulus Echo Retirement Plan rewards you for saving towards these goals with a Wealth Bonus, so 65-year-old you can enjoy the retirement you deserve.

The Sanlam Cumulus Echo Retirement Plan is a retirement annuity designed to make saving for retirement more rewarding with a Wealth Bonus. Paid out at retirement, the more contributions you make over the years, the bigger the Wealth Bonus will be.

Echo Bonuses don’t need to stop when you retire – you can stay invested after retirement without making any more contributions and seamlessly start withdrawing a regular income. While part of this income will be drawn from the Wealth Bonus, your bonus will continue to earn interest and grow throughout the rest of your life.

Invest in the Cumulus Echo Retirement Plan today and get more out of your retirement.

Learn more

Tax-free Savings - How it works

No tax on investment returns

The investment return earned on a tax-free savings account is not taxed. The longer you invest, the higher the investment return on your investment and the bigger the tax saving you get. Tax-free savings accounts offer different investment options to suit your objectives and risk profile.

 

Illustrative Values

Example

The example is based on a maximum monthly payment of R2 500 for 16 years and 8 months, when the lifetime limit of R500 000 is reached. It assumes an investment in a balanced fund with a return of inflation plus 4% per year before fees, and a personal tax rate of 40%. These values are not guaranteed and are for illustrative purposes only.

Tax saving: R495 100
This is the tax saving on your investment return in a tax-free savings account.

Investment Return: R1 063 500
This is the investment return a plan would have earned if the investment return was taxed.

Payments: R500 000
These are the total payments made into a tax-free savings account.

Learn more

Online Will - How it works

Your first step is to select either a single or joint will.

  • A Single Will is a document with one person’s instructions (will) of how to deal with his/her estate after passing away.
  • A Joint Will is a document with two (or more) people’s instructions (will) of how to deal with their estate after the death of either or both.

When drafting your online will, you will have the option to nominate Sanlam Trust or another person or company as the executor of your estate. An executor ensures that all debt enforceable against your estate, as well as necessary tax and administration costs are paid, and that what remains of your estate is distributed according to the terms of your will.

Note: Unless the value of your assets are less than R250 000, the executor that you appoint needs to have sufficient knowledge of estate management as required by the Master of the High Court.

Sanlam Trust is able to act as the executor of your estate and will provide the following:

  • Expert management of your estate and any testamentary trusts
  • A 5% discount on executor’s fees on estates larger than R950 000 (terms and conditions apply)
  • Safe storage of your will in a vault
  • Free revision of your will on request
  • A free living will on request. A living will allows you to detail your desires regarding medical treatment when you are terminally ill or permanently unconscious and no longer able to express informed consent, making things easier for your family.
Note: Should you choose Sanlam Trust to act as the expert executor of your estate, with the benefits above, a nominal annual fee of R57.50 will be charged. This amount covers the administration costs and safe keeping of your will. See Step 3 for submission instructions.

After completing your online will, you can print out and sign it according to the instructions stipulated in the email you will receive.

If you’ve nominated Sanlam Trust as the executor of your estate you need to take the printed and signed copy to your nearest Sanlam Client Care Centre, from where it will be delivered to Sanlam Trust for safe storage. Alternatively you can send the documents via courier to: Sanlam Trust, Sanlam Head Office, 2 Strand Road, Bellville, 7530. You can also post the documents to: Sanlam Trust, P.O. Box 1260, Sanlamhof, 7532

How Sanlam Personal Loans work

  • You can apply for any amount, from R5 000 to R300 000 in increments of R1 000
  • You can tailor your repayment term to suit your budget (from 24 months to 6 years)
  • Repayments 12 months to six years
  • Sanlam will always take your current financial circumstances into consideration and never lend you more than you can comfortably afford to repay
Learn more

About Indie

Indie makes quality financial products accessible to everyone, everywhere - providing insurance that’s designed for the internet generation. It’s easy to understand, easy to use, and rewarding from day one.

Insure your life with Indie and we’ll match up to 100% of your monthly premium which we’ll invest for you – at no additional cost. Think smart, simple, fully-underwritten life insurance that you can buy online in under 10 minutes.

For more information visit our website.

How Sanlam Now Cover Works

Sanlam Now Cover is our online risk tool that helps you calculate how much death and disability cover you need, while also giving you the option to buy cover – all within a few minutes.

Death cover pays a lump sum to your loved ones if you die, which could be used to pay off your debt and estate duties, and support your loved ones.

Disability cover pays a lump sum to you should you become permanently disabled or unable to perform your regular occupation. This lump sum could be used to pay for necessary therapies, structural adjustment to a home or car, or to supplement your income.

 

MORE INSURANCE SOLUTIONS

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

About Sanlam's Credit Profile Tool

With Sanlam’s Credit Profile tool, you get access to a free personal credit dashboard and the help of a coach to help you understand your credit profile and score. Your credit profile is a snapshot of your financial history, and your credit score is a rating given to you based on the number of credit accounts you have, your payment history, and other factors. By knowing what your credit score is, you can easily determine where you need to make changes to reach your financial goals.

To help you reach your goals, your credit profile will also show personalised offers for insurance, savings and lending products you qualify for, should you wish to purchase any.

Sanlam Credit Profile – Register Now

Register securely with your 13-digit South African ID and gain access to your free personal credit dashboard. Visit Sanlam's Credit Profile page to learn more or register online now.

REGISTER NOW
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