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Disability Insurance

Provide for your loved ones when disability strikes

Life comes with a fair share of ups and downs, and accidents can happen at any moment – whether you’re on the road, at work, on a school run or even on a holiday. Sanlam Disability Insurance provides you with assurance 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. Speak to a Sanlam financial planner to provide you with a customised insurance solution to suit your personal needs.

How it Works

Why choose Sanlam Disability Cover.

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Select the best cover option for your needs.

Insurance Solutions

Whatever your needs, we’ve got you covered.

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Expert financial advice at your fingertips.

Why Choose Sanlam Life Insurance

Sanlam's Disability Insurance solutions offer maximum choice and flexibility. Should you become disabled, the lump sum benefit can be used to pay 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 need will depend on your personal needs and circumstances. Speak to a financial planner about the Matrix Cover options, and for advice on choosing the most suitable life cover for your current life stage and needs.

 

 

Matrix Premier CoverMatrix Premier Cover<p>Maximum cover</p><h3>Unlimited </h3><p>Subject to financial underwriting and income</p><p>Premium</p><h3>Calculated by adviser</h3><p>Save with Sanlam Reality</p>​<p> <b>Features:</b></p><ul><li>Ideal if you require over R5 million cover</li><li>Traditional underwriting, possibly requiring medical tests</li><li>Save up to 30% on premiums with Sanlam Reality</li><li>Add a cashback benefit to your plan at an additional cost of 35% on premiums and receive back all the premiums you’ve paid on your cover (provided that cover is still intact after 15 years)</li></ul>Contact AdviserBlue
Matrix Express CoverMatrix Express Cover<p>Maximum cover</p><h3>R5 million</h3> <p>Premium</p><h3>Calculated by adviser</h3>​ <p> <b>Features:</b></p><ul><li>Ideal of if you require personalised cover </li><li>Simple underwriting – answer only 13 health questions </li><li>Random medical tests may be required – no blood tests or needles </li> <li>Add a cashback benefit to your plan at an additional cost of 35% on premiums and receive back all the premiums you’ve paid on your cover (provided that cover is still intact after 15 years)</li></ul>Contact AdviserBlue

Frequently Asked Questions

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 also have the option of combining your disability insurance 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.

The cost of the cover will depend, among other things, on your age and your risk profile when you take out the plan. To quantify your needs, speak to a Sanlam 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. To quantify your needs, speak to a Sanlam adviser.

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