Sanlam Indie logo

What impact does a positive HIV status have on my application?

At this stage, we cannot offer comprehensive life insurance cover to people who are HIV positive, which is why we need to know your status. 

In the meantime, Sanlam covers HIV-positive people. Contact them on 0860 22 33 90 or email

That said, we don’t need to know any of your medical information to offer you funeral cover.

Will I have to get tested for HIV?

If you answer “I’m HIV negative” or “I’m not sure” during your application process, then you may be selected to do an HIV test. If you are, we will try and make it as hassle-free as possible. Also, we cover the cost of testing in full.

Our service provider, Nurses on Wheels, will be in touch if you're selected for a test.

Return to category

We're on a mission.

At Sanlam Indie, we're using cutting-edge technology to transform the industry and deliver financial services that actually work for you.

No jargon. No messy paperwork. Just world-class products that are simple to use, easy to understand, and incredibly rewarding - allowing more ways for you to create and protect wealth.

White Sanlam logo

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

Privacy | Terms of Use Promotion of Access to Information Act