Sanlam Disability Insurance provides you with the peace of mind that your family’s expenses, as well as your own, will be covered so that you can maintain your standard of living if you were to become injured or disabled, either temporarily or permanently.
Get quoted and covered online in under 10 minutes with Sanlam Indie, or speak to a Sanlam financial adviser about a personalised insurance solution.
Why choose Sanlam Disability Cover.
Get quoted, buy online and get a free Wealth Bonus.
How to submit your claim.
Expert financial advice at your fingertips.
Sanlam's Disability Insurance solutions offer maximum choice and flexibility. Should you become disabled, the lump-sum payout can be used for day-to-day expenses, therapies, and any home alterations required to make living with a disability easier on you and your loved ones.
The amount of insurance you require will depend on your personal needs, which you can determine in minutes using Sanlam Indie – plus you can buy life and disability cover online in minutes. Alternatively, if you would like to structure your life insurance to suit your current life stage, you can speak to a financial adviser about Matrix Express Cover and Matrix Premier Cover.
With Sanlam Indie, you’ll get fully quoted and covered online in under 10 minutes.
Even better, every Sanlam Indie policy comes with a free built-in Wealth Bonus.
Whether you know exactly what you want, or need help working out a comprehensive Life and Disability Insurance plan, we’ll guide you every step of the way.
We've got your back if you become permanently disabled and are unable to do your current job at the time of your disability.
You’re also covered if you're a full-time student when you become disabled, and are permanently unable to fulfil the demands of the occupation you’re preparing for, taking into account your education, training, and experience.
Whether you can still work or not, you'll be covered for total, permanent and irrecoverable loss of:
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.
The Sanlam Indie calculator will help you work out how much cover you need in just minutes.
Sanlam Indie lets you proactively skip premiums without losing all your cover or reducing your Wealth Bonus. Read more here.
Get any Sanlam Indie policy and we’ll match up to 100% of your monthly premium in an investment - at no extra cost.
Your Wealth Bonus grows with your premiums and with the market. Over the years, those contributions really add up and so does the growth. You can access 10% of it every 5 years, and all of it (including years of growth) at 70. You can learn everything you need to know on the Wealth Bonus page.
Maintain your standard of living if you can no longer earn an income by covering your expenses, including:
Our 3-in-1 cover pays for recognised, occupational and personal disability, including:
Your premium is determined by your age and risk profile when you take out the cover. To find out how much you’ll pay contact a financial planner.
Sanlam Reality members on the Reality Plus and Reality Health membership options can get discounts of up to 30% on Matrix Premier risk products. For more information on how to join, visit the
Sanlam Reality website.
Let us contact you with an obligation-free quote.
Life happens, and it pays to be prepared. Sanlam’s wide range of comprehensive insurance products are aimed at helping you ensure your financial responsibilities are taken care of, even when you’re no longer able to do so yourself.