Your greatest asset is your ability to earn an income. Sanlam Income Protection is designed to pay you a dependable monthly income if you become disabled or ill and can’t work, so that you and your family can keep on living.
Get quoted and covered online in under 10 minutes with Sanlam Indie, or speak to a Sanlam financial adviser about a personalised insurance solution.
Ensure steady income no matter what.
Get quoted, buy online and get a free Wealth Bonus.
How to submit your claim.
Expert financial advice at your fingertips.
Sanlam's income protection cover offers maximum choice and flexibility at attractive rates. You can combine life insurance, disability, severe illness and income protection with additional offerings, such as accident cover.
The amount of cover you require will depend on your personal needs, which you can determine in minutes using Sanlam Indie – which allows you to buy life and disability cover online in minutes.
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.
Ensures a steady, tax-free monthly income should you lose part or all of your income if you are temporarily or permanently unable to work.
If you become disabled or ill and can’t work for more than 21 days, you receive a tax-free monthly income until you recover or turn 70. The amount will depend on the cover you’ve chosen.
Most people need to cover about 85% of their existing income, after tax but before other deductions (like pension fund contributions), in case they become disabled. Also bear in mind any existing income protection you may have (which would reduce the amount of Sanlam Income Protection you need).
Your cover amount will automatically grow each year with inflation, but you can choose to opt out of this growth (in order to reduce your premium).
We’ll help you work out what cover you need in just minutes.
Your premium is determined by your age and risk profile when you take out the cover. To get an immediate guaranteed quote, use the Sanlam Indie calculator.
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.
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.
Whether you’re a seasoned professional or you’ve just stepped out of university and into your first job, income protection is essential for maintaining your lifestyle and taking care of your family when life takes an unexpected turn.
Being unable to work due to illness or injury can place you under serious financial strain. Ensure that you have the certainty of a regular income.
You never know when injury or illness can strike, impacting your earning ability. Ensure that your family is protected against sudden income loss.