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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.

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How to submit your claim.

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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 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>/personal/insurance/personal-and-family-insurance/Pages/life-insurance.aspx#indieFaqhttps://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 up to R5 million cover<br></li><li>Answer only 13 health questions<br></li><li>Random medical tests may be required<br></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>#FAQContact 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>Possibly requiring medical tests<br></li><li>Save up to 30% on premiums with Sanlam Reality</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>#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 Life Cover pays out to cover your debts so the people you care about don't have to, and ensures your family can keep living their best life. At the same time, the quick payout ensures you have a proper send-off.

If you're diagnosed with a terminal illness and your life expectancy is less than one year, you will receive an immediate tax-free payout.

When you die, your beneficiaries receive a tax-free payout. The amount will depend on the cover you’ve chosen. Your quick payout portion will be paid upfront to help with immediate expenses.

The quick payout portion (10% of your life cover up to R50,000) will be paid out as quickly as possible so that your family can cover urgent costs, such as funeral costs and daily essentials. The rest of your cover will be paid out as normal.

Speak to a financial planner to create a tailor-made solution that suits your lifestyle and your pocket.

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.

Matrix Express and Matrix Premier: 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 pay-out
  • The quick pay-out 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 pay-out

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.

Speak to a financial planner to create a tailor-made solution that suits your lifestyle and your pocket.

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.

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