Exclusions are risks we will not cover.  We may put an exclusion on your policy depending on your individual risk profile.

At this stage, we can offer funeral cover to people who are HIV positive.

Of course! But exactly what we cover will depend on the nature of your condition or disability.

We use your current salary to work out the cover and premium that we quote you for all our benefits (except Funeral Cover).

Everyone’s premiums go into a ‘pot’ and that’s what we use to pay out people who claim.

Right now, we’re only offering policies to South Africans.

Of course you can cancel your existing insurance policy and take out a Sanlam Indie policy.

You can take out a funeral policy that covers up to 20 family members as long as you take out cover for yourself, the main policyholder.

How your answers to our questions will affect the bottom line

South Africa’s Protection of Personal Information Act (POPIA) exists to protect people from having their personal information processed without their consent.

A payout is the amount of cover you have for a specific product or benefit.

A quick run-through of all the things that make us special.

All about the ways your journey with us will be a little different.

What happens if you give us false information when you get a quote

We can't tell you if you're the beneficiary on a policy of a living Sanlam Indie client. If someone close to you has died...

Underwriting is a process which insurers use to figure out how healthy people are before they buy insurance.

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.

Everything you need to know about medical tests at Sanlam Indie.

We offer Funeral Cover to policyholders between 18 and 60 years old. You can add family members to your funeral benefit from 0 - 85 years old. 

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 details - very seriously.

The Financial Advisory and Intermediary Services Act, or the FAIS Act for short, exists to protect you, the consumer, from getting dodgy financial advice.

The Financial Intelligence Centre Act (or FICA), is the Chuck Norris to financial crime.

You should select only the educational level you have actually completed. We need to know what you've achieved in your educational journey.