You can cover up to 21 people on one policy. Family members must be related to you in the right way.

Sanlam Indie will cover you from the moment your policy is active, but for some types of claims, we have to wait a while before we can pay out a claim.

We're in the business of paying out valid claims. Our claims process goes like this...

To calculate your premiums, we have to ask whether you're male or female because we need this information to calculate risk.

You should tell us if your personal information changes, or if you change jobs to one of our excluded occupations.

We will only guarantee your premium won't change for 12 months at a time.

You only need to notify us if you switch to one of the excluded jobs.

Find out why a Sanlam Indie policy might cost more than that of other insurers.

You can choose the day your premium goes off your account when you get your Sanlam Indie quote.

An estate duty is an amount of money that has to be paid to the government when someone dies and their estate is wound up.

When you become a Sanlam Indie client, we’ll send you an email with a bunch of important information about your contract.

Find out Sanlam Indie's policies stack up to our competitors'.

Lowering your cover may result in a gap between your needs and what we’ll pay out if you claim.

When you take out a life insurance policy with Sanlam Indie, you'll be covered from the moment your cover is active.

It's up to you, the policyholder, to tell your loved ones that they're beneficiaries on your Sanlam Indie policy.

You can make changes to your existing cover whenever you like.

The more claims we think we’ll have to pay out, the higher premiums will be.

Need to make some changes? You'll need to contact Sanlam Indie (not Sanlam).

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.

This is how we handle coronavirus on each of our products.‍

A beneficiary is the person or institution who gets the payout from your insurance in the event of a claim.

Sanlam Indie lets you skip some premiums without cancelling your policy, which is awesome for when times are tough and it’s an instant-noodle kind of a month.

Yes, it’s likely that from year to year, your monthly premium will go up.

You are covered from the moment you accept your policy - even before your first payment.

A lot of people think that debt disappears when you die. It doesn’t. But we don’t necessarily pay the bank first.

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 paid.

Your beneficiary doesn’t have to be a South African citizen.

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.

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.