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Skip Navigation LinksGraduates and Professionals

Professional Insurance

Be certain of your financial well-being despite life’s uncertainties.

We cannot predict or prevent unfortunate events like sickness, accidents, death or theft. However, these events can have a significant impact on your financial well-being. If you have the right insurance , you can have peace of mind that you will be able to maintain your lifestyle despite unplanned expenses or a loss of income.

Contact us to get advice.

Solutions Overview

Watch the video to gain an overview of Sanlam's financial solutions that have been designed specifically for professionals. These solutions will cover you in both a personal and professional capacity and have been tailored to serve all your investment needs.

Life Insurance

Ensure that your family will be financially secure, whatever happens to you.

As a professional, your loved ones probably rely on you for financial stability. But what if you are no longer there? Life Insurance for Professionals will ease the burden of your death on your loved ones, enabling them to pay for your funeral and to cover their living expenses without financial strain.

Benefits

  • Life insurance can help your family cover the following costs:
    • Funeral costs
    • Costs associated with the administration of your estate if you have one
    • Repaying outstanding debt
    • Regular living expenses
  • Your beneficiaries will not pay tax on the proceeds of your life insurance
  • You can opt for the Final Expenses Benefit that will pay out within 48 hours 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 pay-out
  • We will only ask you for your health and lifestyle information once when you take out the insurance. You don’t have to tell us if you change your occupation, lifestyle activities or smoking habits – we’ll carry this risk.

How it works

You make regular payments. Should you die, your nominated beneficiaries receive a tax-free one-off pay-out to the value of your cover.

How much will you pay?

The cost of the insurance will depend, amongst other things, on your age and your risk profile (how risky your lifestyle is, for example, whether you smoke or whether you participate in risky sports) when you take out the plan.

Contact us to get advice.

Disability Cover

Have certainty that your bills will be paid even if you cannot work.

Illness or injury can lead to permanent disability. This means you would no longer be able to work and earn an income. With Disability Cover for Professionals you can afford to make the necessary changes to your lifestyle while still taking care of expenses despite your physical challenges.

Benefits

  • Protect and maintain your standard of living when you can no longer earn an income by covering your necessary 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
  • For enhanced cover, you have the option of combining your disability cover with the Whole Life Impairment Benefit, which will provide you with disability cover until the age of 70 or retirement – whichever comes first. It also covers you for impairments common in older people (like sight and hearing loss) even into retirement

How it works

You make monthly payments until you reach retirement or the age of 70 (if you have the Whole Life Impairment Benefit). If you become disabled before retirement or the age of 70, you will receive a one-off pay-out.

How much will you pay?

The cost of the insurance will depend, amongst other things, on your age and your risk profile (how risky your lifestyle is, for example, whether you smoke or whether you participate in risky sports) when you take out the plan.

Contact us to get advice.

Income Protection

Protect your and your family’s financial well-being with a regular income even if you cannot work.

The lifestyle that you and your family are used to depends on your income as a professional. Serious illness or injury can cause temporary or permanent disability, leaving you unable to work. If you lose your income, how will you maintain your lifestyle and how will you cover your medical expenses? Income Protection for Professionals can give you peace of mind with a regular income if you cannot work.

Benefits

  • Receive a monthly income if you are temporarily or permanently unable to work
  • There are three benefit options, which you can combine depending on your needs:
    • Disability income, which pays out for the period that you cannot work, which can be either temporary or permanent
    • Temporary disability income, which only pays out up to 24 months
    • Overhead expenses protector, which helps take care of your business expenses if you are self-employed
  • You can receive a monthly income up to age 70

How it works

You make monthly payments. If you are injured or fall ill, and you can provide proof of loss of income, you can submit a claim to receive your monthly payments.

How much will you pay?

The cost of the insurance will depend, amongst other things, on your age and your risk profile (how risky your lifestyle is, for example, whether you smoke or whether you participate in risky sports) when you take out the plan.

Contact us to get advice.

Critical Illness Cover

Provide for the extra expenses of living with a serious illness.

No matter your age or how healthy you are, anyone can be diagnosed with a critical illness. To get the right treatment and maintain your health can be very expensive, even if you have medical aid. However, you can be financially prepared and protect your and your family’s financial well-being with Critical Illness Cover for Professionals.

Benefits

  • This insurance covers additional medical expenses not covered by your medical aid and provides for unplanned expenses associated with adapting your lifestyle
  • We can pay out up to 100% of cover on diagnosis
  • You have the flexibility to choose from a Core Benefit or a Comprehensive Benefit:
    • The Core Benefit covers the four most common serious illnesses – cancer, heart attack, stroke and coronary artery bypass
    • The Comprehensive Benefit covers an additional list of illnesses, in addition to the four serious illnesses above, that can cause impairment and inability to work and a catch-all claim event that pays for illnesses that are not on our list, if the illness causes serious impairment

How it works

You make monthly payments. If you are diagnosed with one of the insured illnesses, you receive a one-off pay-out. We can pay up to 100% of the cover on diagnosis of cancer, heart attacks, stroke and coronary artery bypass grafts.

How much will you pay?

The cost of the insurance will depend, amongst other things, on your age and your risk profile (how risky your lifestyle is, for example, whether you smoke or whether you participate in risky sports) when you take out the plan.

Contact us to get advice.

Sickness Benefit

Protect your lifestyle from a temporary loss of income due to sickness or an incidental injury.

Your income is one of your greatest assets. Unexpected illness or acidental injury shouldn’t force you to delve into your savings. The Sickness Benefit for Professionals insures you against loss of income, enabling you to maintain your lifestyle and take care of your family while you don’t earn an income.

Benefits

  • You receive regular payments when you have to take sick leave due to illness, injuries or pregnancy complications
  • You can claim whether you are self-employed or work for a company, and you can even take out cover for your employees
  • You are covered for travel inside and outside South Africa
  • You can choose whether your benefits end at age 65 or 70
  • You have the option to choose the spouse and child protector which will greatly alleviate the financial strain should something happen to your spouse and child. Consider, for instance, the impact of taking time off work to care for a sick or injured child or to pay for a nurse when a spouse suffers from a serious illness.
  • Spouse protector will pay you the cover amount for a period of 6 months on the death or serious illness of your spouse
  • Child protector will pay you the cover amount for a period of 6 months on the death or serious illness of your child.

How it works

You make monthly payments. If you are booked off for longer than 7 days, 14 days or 30 days, you can claim for a sickness benefit pending on the waiting period you have selected. You can receive 3, 6, 12 or 24 monthly benefit payments, depending on the benefit payment period you have selected.

Contact us to get advice.

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