Disability insurance from Sanlam provides assurance that your family’s expenses, as well as your own, will be covered if you become disabled through injury or illness.
Maximum choice and flexibility at the best rates.
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Sanlam's disability cover offers maximum choice and flexibility as well as higher cover amounts at attractive rates. You can combine life insurance, disability cover, severe illness cover and income protection with additional offerings, such as accident cover. The type and level of cover you need depends on your personal needs and circumstances. We recommend that you speak to a financial planner to help you select the most appropriate cover.
Protect and maintain your standard of living when you can no longer earn an income by covering your necessary expenses, including:
Our 3-in-1 cover pays for recognised, occupational and personal disability, including:
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.
You make monthly payments until you become disabled, reach retirement or reach the age of 70 (if you have the Whole Life Impairment Benefit). If you become disabled, you will receive a one-off pay-out.
The cost of the insurance will depend, among other things, on your age and your risk profile when you take out the plan.
When you take out life insurance, various types of underwriting like medical tests and questions about your lifestyle and occupation take time and therefore affect how long it takes to issue your plan. At Sanlam we know that your time is precious and we know that some people really don't like the idea of going for medical tests.
That's why we now offer you a choice between two options:
Express cover offers a simplified underwriting process at competitive rates.
Sanlam Reality members on the Reality Plus and Reality Health membership options can get discounts of up to 30% on qualifying risk products. For more information on how to join, visit the Sanlam Reality website.
This tool will help you understand what the kind of cover you want may cost you each month. You can select Life, Disability, Accidental Injury or Accidental Disability cover.
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.