Funeral Cover that doubles after 3 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 give you the funds to fight back.
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 a reliable income.
Find out what Life Insurance you need.
Your reward
We match up to 100% of your premium in a growing Wealth Bonus 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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Your Policy
Understanding the fine print, how we compare to other insurers, premiums, beneficiaries, waiting periods, claims, exclusions, rerating
Your beneficiary doesn’t have to be a South African citizen.
Different rules apply for underwritten and funeral cover.
This is how we handle coronavirus on each of our products.
We let you skip premiums when times are tough, BUT we do limit the amount of skips you can have.
You need to notify us if you switch to one of the excluded occupations.
You can make changes to your existing cover whenever you like.
A lot of people think that debt disappears when you die. It doesn’t. But we don’t necessarily pay the bank first.
Find out whether you pay tax on your premiums, payouts or your Sanlam Indie Wealth Bonus.
Need to make some changes? You’ll need to contact Sanlam Indie (not Sanlam).
Everything you need to know about ceding your policy to the bank for a mortgage bond.
Find out how Sanlam Indie’s policies stack up to our competitors’.
Find out why a Sanlam Indie policy might cost more than that of other insurers.
It’s up to you, the policyholder, to tell your loved ones that they’re beneficiaries on your Sanlam Indie policy.
How to make sure your family gets the cash.
As long as you don’t claim for something that happens in any of the excluded countries, then we’ll cover you, the policyholder, outside of South Africa .
Rerating is when an insurer reassesses your premiums. Many insurers recalculate your premiums on the anniversary of your policy start date, but at Sanlam Indie, we recalculate policies automatically in January each year.
Your Sanlam Indie policy will either give you full cover (where you’re covered for any kind of claim) or accidental-only cover (where you can only claim for accidental events) per product.
To calculate your premiums, we have to ask whether you’re male or female because we need this information to calculate risk.
You can choose the day your premium goes off your account.
Sanlam Indie will cover you from the moment you accept your policy, but for some types of claims, we have to wait a while before we can pay out.
Sanlam Indie, like all insurers, won’t refund your premiums if you cancel your insurance during the waiting period, because it would just be too expensive for us as a business.
You can, but it gets complicated: your children can’t receive your life insurance payout until they’re legally adults.
Sanlam Indie won’t pay out to a beneficiary who doesn’t have a bank account. Your beneficiary will need to set up a bank account 🏦in their own name to receive the payout...
When you take out a life insurance policy with Sanlam Indie, you'll be covered from the moment you sign up for as long as you pay your premiums (and we don't even mind if you skip a few)....
Best case scenario: You’ll never have to claim and, if you keep your benefits active and keep paying your premiums until your..
Premiums are the monthly amounts you must pay Sanlam Indie in return for our insurance products.
Exclusions are risks we will not cover. We may put an exclusion on your policy depending on your individual risk profile..
You should tell us if your personal information changes, or if you change jobs to one of our excluded occupations.
Knowing your job helps us to calculate your premiums. A key part of our insurance offering is our disability-based benefits,..
A cooling-off period is a set period of time in which you can cancel your policy and get a full refund of the premiums you've..
Our principle is that we will always have one version of all benefits that we offer.
The more claims we think we’ll have to pay out, the higher premiums will be.
So...you're thinking of lowering your cover, eh? Okay, before you do, you should definitely read this... 👀 Lowering your cov..
When you become a Sanlam Indie client, we’ll send you an email with a bunch of important information about your contract. Your poli..
An estate duty is an amount of money that has to be paid to the government when someone dies and their estate i..
You are covered from the moment you accept the policy. Yip, you’ll be covered before you’ve even paid your first premium.
We're in the business of paying out valid claims. Our claims process goes like this...
Sanlam Indie lets you skip some premiums without cancelling your policy, which is awesome for when times are tough and it’s an insta..
It makes a big difference because smoking is one of the biggest predictors of insurance claims. We all know about the health ..
Believe it or not, your relationship status 💍 has an impact on your premiums. We don’t know why exactly it influences the ex..
How to skip premiums and what happens to your cover when you do.
A beneficiary is the person who gets the payout from your insurance in the event of a claim.
Yes, it’s likely that from year to year, your monthly premium will go up.
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