Wealth Bonus | Loyalty Programme | Sanlam
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Meet Wealth Bonus

The loyalty programme that rewards you with long-term wealth. Our quick calculator shows how products could help you to create wealth.

ABOUT wealth bonus

What is Wealth Bonus?

Introducing the loyalty programme that rewards you with long-term wealth. Each participating product comes with a built-in, wealth-building benefit, collected in your Wealth Bonus portfolio.

Wealth Bonus benefits contribute to your wealth in different ways. Some track the market to grow with compounding returns, like a real investment. Others mature with the product to give you a retirement boost. Along the way, some benefits reward you with regular cash-back payouts.

Stay a client. Get rewarded.

The projected Wealth Bonus is based on average assumptions. This projection is not guaranteed and should not be seen as an accurate forecast in any sense. Past performance is not indicative of future performance. When the economy is underperforming, investment returns are likely to be low. Be wary of buying any financial product based on a forecast or illustration. These are the assumptions we make, per product, to calculate the projected value of your Wealth Bonus. The retirement plan projection assumes a retirement age of 65 and an annual payment increase of 5%. The projection assumes that contributions are invested in the SATRIX Dynamic Balanced Fund with an investment return of 6.5%. The endowment projection assumes that the fund growth will track the Sanlam Investment Management Balanced Fund with an assumed investment return of 5.5%, over an investment term of 15 years. Wealth Bonus projections for risk products assumes a growth rate of 4.5% per annum. The actual growth rate will be based on market related interest. It also assumes that premiums increase by 6% annually and that no available funds are withdrawn until age 70. Wealth Bonus projections for the funeral cover assumes a growth rate of 4.5% per annum. The actual growth rate will be based on market related interest. It also assumes that premiums increase by 5% annually after 1 year and that no available funds are withdrawn until age 70.
Products & Partners

Earn more with Wealth Bonus

Add more participating products to your Wealth Bonus portfolio. Boost your earnings with our partners.


Browse the participating products that give you Wealth Bonus.

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Our partners boost your earnings on qualifying products.

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Lifestyle Benefits

Get access to a set of lifestyle benefits

As a Sanlam client earning Wealth Bonus, you automatically enjoy discounts on lifestyle benefits.

Your free Wealth Bonus lifestyle benefits are managed by Sanlam Reality – the loyalty programme of the Sanlam Group and its partners, which rewards clients for taking care of their money.

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Speak to one of our financial advisers to find a product that suits your needs.


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You can grow your Wealth Bonus by adding more participating products to your Sanlam Group portfolio. Each product you add means another product adding more money contributed to your Wealth Bonus every month. Over the years, these boosts to your Wealth Bonus compound to add even more value.

Different participating products pay out in different ways. Some products regularly unlock portions of their own contributions, plus any growth. Some products pay out unlocked money automatically. Other products leave unlocked money where it is so you can withdraw it later. The longer you leave it, the more time it has to grow with compound interest.

Whenever money unlocks, it becomes yours, permanently. No matter when or how much cash unlocks, it’s yours to do with as you please.

What you get out depends on what goes in. How much you get out of Wealth Bonus over time is affected by which products you buy, how long you have them for, and whether you withdraw money whenever it unlocks or leave it invested. Plus, because it works like an investment portfolio, market performance will also affect your Wealth Bonus returns.

The earlier you start your Wealth Bonus, the longer it will have to grow. For example, a 20-year-old who keeps a single life insurance policy until retirement could build up a Wealth Bonus of millions* by the time they retire.

*Product and profile dependent. Projected future value is based on average assumptions and not guaranteed.