Funeral Cover that doubles after 2 years at no extra cost.
If you die, we give you a proper send-off and help your family keep living their best life.
If you get cancer or another serious condition, we help you conquer it with a tax-free payout.
If you become disabled and can't work, we pay you an income until you're 70 or you've recovered.
If you become disabled, we help you start over with a single lump-sum payout.
If you die, we pay your dependants an income.
Find out what Life Insurance you need.
Your Investment
The investment that comes with every Indie policy - at no extra cost.
Find out what you need
Find out what Life Insurance you need, based on your needs.
Why choose Indie
Life Insurance sucks. So we're making it better, here's how.
The Team
Introducing the team that brought you innovative cover, the Wealth Bonus, financial freedom and more.
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About Sanlam Indie
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Articles
Who we are, what we do and how we do it, how to get a quote from us, what products we offer, insurance basics
Of course! But exactly what we cover will depend on the nature of your condition or disability.
Your Sanlam Indie Policy and Wealth Bonus Customer Dashboard
Not different, just renamed. We've simplified our product names so that you know exactly what kind of cover you're dealing with.
South Africa’s Protection of Personal Information Act (POPIA), due to come into force in 2019, exists to protect people from having their personal information processed without their consent 🔐.
For now, our online quote process requires a South African ID number, so you can’t take out a policy with us if you don’t have a South African ID...
The Financial Advisory and Intermediary Services Act, or the FAIS Act for short, exists to protect you, the consumer, from getting dodgy financial advice.
As a division of one of the biggest and oldest insurers in South Africa, Sanlam, we have the resources 💰💪🏽to take the security of sensitive information – like medical history, HIV status, and bank details – very seriously.
We offer life insurance products to policyholders who are aged 16 to 60 when they take out the policy. That means if you’re over 60 and haven’t taken out a Sanlam Indie policy yet, we currently have no products we can offer you 😔.
To get Sanlam Indie cover, you need an email address so that we can send you important things like your policy document.
Well first off, they are two very different kinds of product, designed to do different things
Nope, not at the moment. The person who’s going to be covered by the policy needs to do the application, but, a different pe..
Okay, it’s a little technical, but we do something called randomised medical testing, and being a member of a medical aid is ..
Underwriting ✏️ is a process which insurers use to figure out how healthy people are before they buy insurance.
If we know what insurance cover you already have, we will keep that in mind when making our recommendation. You see, we don’..
You should select only the educational level you have actually completed. What we need to know is what you’ve achieved in yo..
We ask you how much debt you have so that we know how much cover you’ll need. Life insurance covers your ..
Getting insured with Sanlam Indie is as easy as pie! 🍰 First, you'll need to tell us a little bit about yourself. Just the stuff t..
Sanlam Indie offers a suite of life insurance products and funeral cover..
This is what we typically call "underwriting": we ask you some medical questions so that we can determine a few things. We f..
If you’re an urbanite (i.e. you don't live in the sticks), then we’ll come to you for the tests. If we can't get to you we'll..
A payout is the amount of cover you have for a specific product/benefit. The payout can either be an income, meaning that the..
At the moment, Sanlam Indie sells life and funeral insurance products. We think that the way existing life and funeral insurance products work is pretty meh..
Believe it or not, we’re in the business of paying claims 🤑. So we really, really want to pay each and every valid claim we ..
Sanlam Life is the underwriter. And those guys know what they're doing, so you know your claim is in good hands. Sweet dream..
A big part of our mission at Sanlam Indie is to inject 💉 a whole lotta transparency into the financial services industry, and that'..
Your income 💰 influences your premium and helps us offer you the right amount of insurance. We ask your income for two reas..
Right now we’re only offering cover to South Africans living in South Africa. If you're a South African living somewhere els..
We don’t do this because generally, over time, life insurance premiums decrease. There are a few reasons this happens, but ..
Basically, insurance is there to pay someone when something happens...
The Financial Intelligence Centre Act (or FICA), is the Chuck Norris to financial crime 💥🥊.
Well...you definitely shouldn't trust us just because we say so. But if you stick around, you’ll see that, at Sanlam Indie, we’re on..
Hi, We're Sanlam Indie! Fun-loving, outdoorsy, 6'5, looking for commitment...🙃! We're a financial services company on a mission t..
At this stage, we don't offer financial advice, but we’re working on it. We’re designing it with some real advice pros and, i..
At this stage, we cannot offer comprehensive cover to people who are HIV positive 😞, which is why we...
The number of people who depend on your income 👨👩👧 is important for us to know when working out the type of cover you ne..
You are covered from the moment you accept the policy. Yip, you’ll be covered before you’ve even paid your first premium 😁...
We need to know your gender to get you the right price. The ladies among us are lucky when it comes to life insurance becaus..
Basically, we need to know if you’re doing dangerous things because they indicate the likelihood of future claims. Dangerous ..
Both Sanlam Indie's Death Income Cover and Life Insurance Cover pay if you die, but the way that they pay differs. Life Insurance Cover pays a single lump sum (to cover..
Right now we’re only offering individual policies, but we’re looking at expanding this in the future...
Cover is the amount of money you will get when we pay a claim ⛱. We have two types of cover...
Maybe. We don't do an HIV test for everyone, but you may be randomly selected for one. If you are, don't worry, we will try ..
We use your height and weight to estimate your body mass index (BMI), which helps to calculate your premium...
Deductions are anything that’s taken off your income before it arrives into your bank account. The most common deduction is..
Of course you can cancel your existing insurance policy and take out a Sanlam Indie policy 💪🏾 but, before you switch, ask yoursel..
Family history is a good predictor of potential claims and influences the products we can offer you, and the price of those...
Insurance protects you when things don’t go the way you planned.
