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Skip Navigation LinksPersonal and Family Insurance

Life Insurance

If you pass away, we help your family to continue living their best life.

Our range of life insurance solutions is designed to be simple, hassle-free and easy to understand. Whether you’re buying a new home, starting a family or a new job, or simply relooking your financial position, you are one step away from securing your future.

Get quoted and covered online in under 10 minutes with Sanlam Indie, or speak to a Sanlam financial adviser about a personalised insurance solution.

How it Works

Why choose Sanlam Life Insurance.

Buy Online

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

Claims

How to submit your claim.

Cash Back

Get up to 100% of your payments back.

Why Choose Sanlam Life Insurance?

Sanlam's range of Life Insurance solutions offers maximum choice and flexibility. After you pass away, the payout can help your family cover expenses like funeral costs, estate administration, debt and day-to-day living expenses.

The amount of insurance you require will depend on your personal needs. Sanlam Indie allows you to buy life and disability cover online in minutes. 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.

 

 

Indie Life Cover + Quick PayoutIndie Life Cover + Quick Payout<p>Maximum cover</p><h3>R10 million</h3><p>with quick payout portion<br></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>Up to R50 000 quick payout for immediate expenses</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>https://www.indiefin.com/start/?utm_source=sanlam&utm_medium=button&utm_campaign=life_insurance&utm_content=product_card&utm_term=buy_onlinehttps://www.indiefin.com/start/?utm_source=sanlam&utm_medium=button&utm_campaign=life_insurance&utm_content=product_card&utm_term=buy_onlineBUY ONLINEOrange
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 if you require personalised cover </li><li>Simple underwriting – answer only 13 health questions </li><li>Random medical tests may be required<br></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 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

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

Enjoy Cashback after 15 Years

Get up to 100% of your payments back for a specific cover plan

Ensure that you always get something back with the Cashback benefit – an optional extra that can be added to certain new or existing* Sanlam plans. It rewards you for keeping your cover intact, and pays out after 15 years of continued contributions to your policy. Please speak to your financial advisor or contact us.

* Please note the Cashback benefit can only be added to certain Sanlam plans.

Up to 100% money back

You will get all of your payments for a specific cover layer back after 15 years.

A safety net

Use your Cashback payments (available from year 15), to cover unexpected expenses.

Cover & reward

If you need to claim, you will have cover in place. If you don’t, you get a Cashback payment.

For more information on the Cashback benefit, download the brochure

Frequently Asked Questions

  • Sanlam Life Insurance can help your family cover the following:
    • Funeral costs
    • Costs associated with the administration of your estate
    • Repaying outstanding debt
    • Regular living expenses
  • Your beneficiaries do not pay tax on your life insurance payout
  • The quick payout portion will be paid as quickly as possible so that your family can cover urgent costs, such as funeral costs and daily essentials
  • If you're diagnosed with a terminal illness and your life expectancy is less than one year, you will receive an immediate tax-free, one-off payout

When you die, your beneficiaries receive a tax-free, one-off payout. The amount will depend on the cover you’ve chosen.

Everyone has different needs. Essentially, you should take into account your current outstanding debt and subtract any existing life insurance cover you have. The gap between the two should be the amount of cover you go for.

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.

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