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Skip Navigation LinksPersonal and Family Insurance

Life Insurance

Protection against the uncertainties in life

Life Insurance is sometimes confusing, but insurance doesn’t have to be complex. Sanlam’s range of Life Insurance solutions is designed to be simple, hassle-free and easy to understand. Whether you’re about to buy a new home, starting a family or a new job, or simply re-looking your financial position, you are one step away from securing your future. Speak to a Sanlam financial adviser to provide you with a customised insurance solution to suit your personal needs.

How it Works

Why choose Sanlam Life Insurance.

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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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Why Choose Sanlam Life Insurance

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

The amount of insurance you need will depend on your personal needs and circumstances. Speak to a financial adviser 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

  • Sanlam Life Insurance can help your family cover the following costs:
    • Funeral costs
    • Costs associated with the administration of your estate
    • Repaying outstanding debt
    • Regular living expenses
  • Your beneficiaries do not pay tax on the proceeds of your life insurance
  • You can opt for the funeral and other immediate expenses benefit that will pay out within 48 hours 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 pay-out
  • We will only ask you for your health and lifestyle information when you take out the insurance. You don't have to tell us if you change your occupation, lifestyle activities or smoking habits – we'll carry this risk.

You make monthly payments until your death. When you die, your nominated beneficiaries receive a tax-free, one-off pay-out. The amount will depend on your specific plan.

The cost of the insurance 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 adviser.

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.

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