Wealth Bonus Basics | Sanlam
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Wealth Bonus Basics

Introducing Wealth Bonus: the loyalty programme that rewards you with long-term wealth.

With Wealth Bonus, each participating product comes with a built-in, wealth-building benefit. These benefits are collected in your Wealth Bonus portfolio.

Creating wealth takes time and patience, so we designed Wealth Bonus with that in mind. The longer you stay a client and keep your Wealth Bonus benefits active, the greater the reward.

Each benefit contributes to your long-term wealth in some way - a bit like products in an investment portfolio. Some benefits track the market to grow with compounding returns. Others mature with the product to give you a lump sum payout in time for a retirement boost. Along the way, some benefits reward you with regular cash-back payouts.

We want to empower you to take charge of your finances. Track your Wealth Bonus growth, make withdrawals and manage your preferences in your Wealth Bonus Dashboard.

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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 to your Wealth Bonus every month.

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Each Wealth Bonus benefit works differently, but a few things are the same for all products: Whenever money unlocks, it becomes yours, permanently. No matter when or how much cash unlocks, it’s yours to do with as you please. And the longer you keep your product, the more cash you’ll get out.

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What you get out depends on what goes in. How much you get out of your Wealth Bonus portfolio 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. Because some Wealth Bonus benefits work like investments, market performance will also affect your returns on those benefits.

The earlier you start growing your Wealth Bonus portfolio, the greater the rewards. 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.

What’s the catch?

There’s no catch, other than you need to stick with us. If you cancel a product or allow it to lapse, then you lose any money that was still locked. But if you stay for long enough, eventually ALL the money unlocks, and becomes yours.

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To get started with Wealth Bonus, you must buy a participating Sanlam Group product. The product provider will start contributing to your Wealth Bonus according to their own contribution rules.

To keep track of your Wealth Bonus, you can log in to your Dashboard via the Sanlam Client Portal.

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Every Wealth Bonus-earning client also gets full access to lifestyle benefits with Sanlam Reality.

Ready to get Wealth Bonus?

In early 2021, we launched Wealth Bonus - the loyalty programme that rewards you with long-term wealth.

When we launched, these product changes took effect:

Sanlam Indie

You can now track your Wealth Bonus yourself in your Dashboard.

Matrix Premier

Your Matrix Premier life insurance policy now comes with Wealth Bonus. Get rewarded for staying a client for longer.

Cumulus Echo Retirement Plan and Sanlam Cumulus Echo Preservers

Your Echo Bonus has been renamed, but works in the same way as it always has.

Sanlam Money Saver credit card

Your accumulated Cash-back bonus has been renamed to Wealth Bonus and still pays out to your Easy Equities account.

Sanlam Wealth Edge Endowment Plan

Your Sanlam Wealth Edge Endowment Plan loyalty bonus has been renamed Wealth Bonus.

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