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Solutions for Graduates and Professionals

Grow and protect the income you’re working so hard for.

We understand that completing a three-year degree, a four-year diploma or a higher qualification, takes a lot of self-discipline, commitment and hard work. We therefore believe that you deserve special service and attention.

Our solutions for graduates and professionals can help you grow and protect your income so you can maintain your lifestyle, whatever happens.

  • Insurance – It is possible to have financial peace of mind despite life’s uncertainties. Whether you lose your ability to earn an income because of injury, illness or disability, or pass away, we can help relieve the financial burden on you and your family.
  • Retirement – It’s never too early to start saving for retirement. If you stay committed to saving throughout your life, it is possible to look forward to a worry-free retirement.

Income Protection

Give yourself the certainty of income. Income protection offers you a regular income to maintain your lifestyle and take care of your family when life events influence your ability to provide financially. Even when your life is on hold, your income shouldn’t be.

  • Tax-free monthly income to meet your financial obligations if you lose part or all of your income due to being temporarily or permanently unable to work.
  • A range of income protection solutions that not only cover loss of income should you be unable to work due to disability, sickness or injury, but also events which can reduce your income.
  • Plan more accurately for your needs during times of financial strain. After all, school fees, bills and instalments do not stop because your income did.
  • Preferential rates for graduate professionals.
  • Cover key people in your business (using the sickness benefit) if you are self-employed.
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Sickness Benefit for Professionals

Whether you run your own business or practice and find yourself unable to work for an extended period of time owing to sickness or injury, or work for a company and realise that your paid sick leave might not be enough to see you through a long period of illness, Sanlam’s sickness benefit plays a vital role.

Sanlam’s Sickness Benefit for Professionals will pay out tax free if you are booked off sick for a minimum of seven days, 14 days, or one month, depending on the type of cover you choose. You receive regular payments when you have to take sick leave due to illness, injuries or pregnancy complications. If you need to, you can also use it to cover key people in your business.

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Retirement

It’s never too early to start saving for retirement. If you stay committed to saving throughout your life, it is possible to look forward to a worry-free retirement.

Secure a comfortable retirement by saving over the long term. As a graduate with at least a three-year degree or four-year diploma, you want to be able to maintain the lifestyle you’ve become accustomed to when you retire. The key to achieving this is to start saving as early as you can and to stay committed to saving. This will enable you to grow your money over time so that you can enjoy a comfortable retirement.

  • Low minimum payments – Save from as little as R300 per month.
  • Bonus payment to boost your savings – We will give you an additional amount, called an Echo Bonus, when you retire.
  • Motivation and rewards for long-term saving – The longer you invest, the bigger your Echo Bonus will be.
  • Protecting your money as you near retirement – While we will focus on maximising growth on your money when you are young, we will move your money to more stable funds as you near retirement to protect your savings.

Get a bonus payment if you stay committed to saving

We know saving for your retirement requires a lot of discipline and commitment, especially when you’re young and retirement seems such a long way off. With the Cumulus Echo Retirement Annuity, we help you stay motivated by giving you a bonus payment with your retirement savings if you stick to your savings plan. Remember, it’s never too early to start saving and every little bit counts.

What is the Echo Bonus?

The Echo Bonus is an additional amount of money that we will add to your retirement savings when you retire. The longer you invest and the higher your payments, the bigger your Echo Bonus will be.

How it works

  • You make a one-off payment or regular payments until you retire (you can choose when you want to retire)
  • The money gets invested in the underlying investments you choose in collaboration with your financial planner
  • Your money can grow over time based on how your investments perform
  • When you retire, you can take up to one third of your retirement savings in cash. The rest must be used to provide you with a regular monthly income or pension.
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