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Income Protection

If you become disabled and can't work, we pay you a reliable monthly income.

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.

Income Protection Cover

Ensure steady income no matter what.

Buy Online

Get quoted, buy online and get a free Wealth Bonus.

Claims

How to submit your claim.

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Get Advice

Expert financial advice at your fingertips.

Why Choose Sanlam Income Protection?

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.

 

 

Indie Income ProtectionIndie Income Protection<p>Maximum cover</p><h3>R100 000 p/m</h3><p>paid as a tax-free monthly salary</p><p>Premium</p><h3>Get a guaranteed quote online in minutes</h3><p>from R100 p/m<br></p><p> </p><p> <b>Features:</b></p><ul><li>Tax-free payout increases each year to combat inflation</li><li>Free built-in Wealth Bonus</li><li>Flexible premiums</li><li>Get quoted and covered in under 10 minutes</li><li>Immediate cover</li></ul> <br><br>/personal/insurance/personal-and-family-insurance/Pages/income-protection.aspx#indieFaqhttps://www.indiefin.com/start/?utm_source=sanlam&utm_medium=button&utm_campaign=income_protection&utm_content=product_card&utm_term=buy_onlineBUY ONLINEOrange
Matrix Express Income Protection CoverMatrix Express Income Protection Cover<p>Maximum cover</p><h3>R50 000 per month</h3><br><p>Premium<br></p><h3>Calculated by adviser</h3><p>paid as a tax-free monthly salary<br></p><p> </p><p> <b>Features:</b></p><ul><li>Ideal if you require up to R50 000 cover</li><li>Answer only 13 health questions </li><li>Random medical tests may be required </li><li>Add a <a class="smallLink" href="/personal/insurance/personal-and-family-insurance/Pages/cashback.aspx">Cashback benefit</a>, receive up to 100% of your payments back after 15 years</li></ul> <br>/personal/insurance/personal-and-family-insurance/Pages/income-protection.aspx#FAQCONTACT ADVISERBlue
Matrix Premier Income ProtectionMatrix Premier Income Protection<p>Maximum cover</p><h3>R250 000 per month<br></h3><p>paid as a tax-free monthly salary<br></p><p>Premium</p><h3>Calculated by adviser</h3><br><p> </p><p> <b>Features:</b></p><ul><li>Optional spouse and child protector<br></li><li>Discounts available to qualifying Sanlam Reality members</li><li>Possibly requiring medical tests</li><li>Add a <a href="/personal/insurance/personal-and-family-insurance/Pages/cashback.aspx" class="smallLink" target="_blank">Cashback benefit</a>, receive up to 100% of your payments back after 15 years</li></ul> <br> <br>/personal/insurance/personal-and-family-insurance/Pages/income-protection.aspx#FAQCONTACT ADVISERBlue

Get Quoted and Buy Online

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.

Get a quote & buy

Sanlam Indie: Frequently Asked Questions

Sanlam Indie Income Protection provides you with a reliable monthly income if you’re no longer able to work because of a disability. It starts paying for disabilities that last for more than 21 days and continues until you recover or when you turn 70.

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).

The Sanlam Indie calculator will help you work out how much cover you need in just minutes.

Your premium is determined by your age and risk profile when you take out the cover. To get a guaranteed quote in just 10 minutes, use the Sanlam Indie calculator.

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.

Matrix Express Income Protection Cover and Matrix Premium Income Protection Cover: Frequently Asked Questions

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 own a business, Income Protection may enable you to employ someone to run the business in your absence
  • If you work for a company, the product can plug the expense gap if the cover put in place by your employer isn't enough
  • It can also top up your salary when you're able to work, but face additional expenses due to certain life events
  • You will not pay premiums while we pay out your claim
  • You will receive a monthly income if you temporarily or permanently lose your income due to disability or illness. The monthly income will depend on the cover you’ve chosen.
  • We recommend you speak to a financial planner to help you select the option that is best suited to your needs

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 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.

Graduates and Professionals

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.

Graduates

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.

Find out more

Professionals

You never know when injury or illness can strike, impacting your earning ability. Ensure that your family is protected against sudden income loss.

Find out more

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