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FAQs about Sanlam Indie's underwritten insurance products

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What are the conditions covered by Sanlam Indie Critical Illness Cover?

Our Critical Illness benefit offers a maximum of R5 million cover. You are covered for the “big four” severe illnesses: Cancer, Coronary Artery Bypass Graft (CABG), Heart Attack and Stroke.

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How do I know what cover I need and how much I need?

Okay, so there really isn't a short answer for this one. So, if you're interested (and you should be since it's about your money), then read on...

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If I have Critical Illness Cover, do I also need medical aid?

The short answer is YES.The long answer? Still yes!

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How soon will my Funeral Cover pay out?

We just need proof, and then we'll get the cash to you ASAP. We try to pay out within 48 hours whenever possible.

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What happens to my family’s funeral cover if I die?

In that case, we won't allow anyone else to take over your policy - someone else will have to take out a new policy in their name and add your family members to their own policy.

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How are Funeral Cover and Family Funeral Cover different?

Sanlam Indie Funeral Cover allows you to insure your own life. It provides an immediate lump sum payout to your beneficiaries when you die. Sanlam Indie Family Funeral Cover allows you to insure the lives of your immediate or extended family.

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What's the difference between Life and Funeral cover?

Well first off, they are two very different kinds of product, designed to do different things.

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Does Sanlam Indie offer financial advice?

We’ve designed our products with some real advice pros and have put a lot of effort into helping you understand your own insurance needs. We hope this will help you to make the right decisions for yourself.

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Why do funeral premiums for family members seem more expensive?

Insurers will always charge you more for a policy you take out on another life than for a policy you take out on your own life. the reason is to do with the risk of fraud.

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When does Sanlam Indie not pay a claim for a funeral policy?

Because funeral policies are not underwritten, we have to protect ourselves from people who might take advantage of the system.

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What is the maximum amount of Funeral Cover I can have?

Anyone aged 15 years and older can get R50,000 cover. 

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How does Sanlam Indie’s Critical Illness Cover work?

Death benefit products are usually pretty much the same from different insurers (you die, your beneficiaries get cash). But insurance that covers “dread disease” or loss of income will differ from insurer to insurer.

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Can I have policies with other insurers as well?

There is no limit to the number of life insurance policies you can have with other insurers.

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Copyright © Sanlam Indie 2022. All Rights Reserved. Sanlam Indie's product offering is underwritten by Sanlam Life Insurance Limited, a licensed life insurer & financial services provider. Sanlam Indie is a division of Sanlam Life Insurance Limited - Reg No. 1998/021121/06. Sanlam Life Insurance Limited is an authorised FSP (No. 2759). Address: 1st Floor Glacier Place, 1 Sportica Crescent, Tygervalley, Cape Town, 7530

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