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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Understanding Your Policy
42
Articles
Understanding the fine print, how we compare to other insurers, premiums, beneficiaries, waiting periods, claims, exclusions, rerating.
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 an Indie policy might cost more than that of other insurers
How to make sure your family gets the cash.
If you have a South African ID 🇿🇦, and don’t claim for something that happens in any of the excluded countries, then we’ll cover you even if you go on holiday, or live and/or work outside 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 everyone’s life insurance policy 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. Men 🧔🏽are considered higher risk for some benefits (for example, death benefits) which means that their premiums for those benefits are higher (sorry guys).
You can choose the day your premium goes off your account – by default, you choose either the 1st, the 15th or the 25th of the month when you get your Sanlam Indie quote.
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.
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...
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.
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..
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 mon..
We will only guarantee your premium won't change for 12 months at a time. This may not sound so great, but instead of guara..
What's the use of having a mind if you can't change it, right?? 💅🏽 The same applies to insurance cover. So, yes, you can..
Nope, we're good. If you decide to start flying planes 🛫 for fun or change careers from back-office accounting to stunt man..
You can choose the payment date to either be at the beginning, middle, or end of the month. Depending on your choice, the fir..
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. Whatever we sell to new clients at th..
It’s a bit of a science actually 🤓. The simplest explanation is that the more claims we think we’ll have to pay out, the hig..
So...you're thinking of lowering your cover, eh? Okay, before you do, you should definitely read this... 👀 Lowering your cov..
In reality, it doesn’t work that way. Everyone’s premiums go into a ‘pot’ 🍯 and that’s what we use to pay out people who cla..
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..
The short answer is YES. The long answer? Still yes! 🤣
Nope. Although we'd always be happy to hear from you ☎️, there's no need to tell us if your health has deteriorated. The po..
We're in the business of paying out valid claims. Our claims process goes like this: You need to claim (we're really sorry..
Sanlam Indie lets you skip some premiums without cancelling your policy, which is awesome for when times are tough and it’s an insta..
Natural cover - This popular type of cover pays out for illnesses, injuries, infections, conditions, accidents, etc...
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..
Soon you’ll be able to do this from your dashboard by simply adding more cover to the benefit you want. For now, though, you..
At Sanlam Indie, we don’t treat skipped premiums like traditional insurers 👴🏽 because we know ‘adulting’ is hard and we want to he..
A beneficiary is a person or the people who’ll benefit from your life insurance should your 'candle' be snuffed out 🕯...
Yip, it’s likely that, from year to year, your monthly payment (also called premiums) will go up. .
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