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What makes Sanlam Indie different?

There are so many reasons to get excited about Sanlam Indie, we sometimes don’t know where to start. 

We’re unique in the financial services industry

We’ve tried to develop insurance products that meet the needs of a generation more digitally savvy than financially savvy. Our mission is to educate everybody (not just our customers) about all things finance to give you the tools to be financially free

Our products are simple (minimal fine print), our message is clear and transparent (no industry jargon), getting covered is quick ‘n easy and can be done online in 10 minutes (just try it!), our state-of-the-art underwriting is done upfront, and we’re cool with it if you skip premiums. Best of all, we’re offering you Wealth Bonus, an investment linked to every policy that grows with each premium you pay.

We give you Wealth Bonus: an investment linked to every policy

Every policy we sell comes with Wealth Bonus. This is included automatically – we do not charge extra for your Wealth Bonus

It works like this: for each premium you pay, we’ll match a percentage of the premium and add it to an investment account for you. Your pot of cash will grow with compound interest and you’ll be able to access portions of it every 60 premiums, or the whole lot (tax free) when you turn 70. As we like to think of it: we pay out if you die, but also if you live

You probably have some questions. Read an overview of the Wealth Bonus or browse our Help Centre for more in-depth articles.

We let you skip premiums without losing your cover

We get it. Life insurance can feel like a big financial commitment. There might be times when you can’t even pay your rent, and paying your life insurance premium won’t be your top priority. That’s why we won’t cancel your policy just because you’ve missed a premium. In fact, we’ll let you skip up to 5 premiums in a row – we’ll just temporarily adjust your cover until you get back on track. No need to warn us. No need to make up the missed premiums. 

We believe in radical transparency

We believe in telling it like it is. No BS. No jargon. If you don’t understand something, just ask.

Our Help Centre and our live chat staff are there to answer any questions about your policy or about life insurance in general. If you need help with your personal situation, we can put you in touch with a financial advisor.

We don’t want to be accused of relying on fine print to refuse to pay out at claims stage. We want you to know exactly what you’re covered for so you can have peace of mind that we’ll pay out when the time comes. 

We offer instant cover

Traditionally, it can take weeks and a lot of paperwork to get life insurance. With Sanlam Indie, you’re covered the instant you accept your quote and finalise your policy, before you’ve paid your first premium. Or, you can delay cover and payments till a more convenient time.

We don’t do medical tests for everyone. If you are selected for testing, we’ll send a nurse to you at a time that is convenient. 

We’re flexible

We underwrite upfront. That means if you’re honest with us when you complete your application, there’ll be no need to tell us if your health changes. If you think your change of fortune might decrease your premiums, we’ll rerate you on request 😉.

We want you to stick around, so if your needs change, you can change your cover quickly and easily online. You can instantly remove or reduce your cover whenever you like, or you can increase your cover by up to 10% a year with no questions asked.

(If you want to add a product or increase your cover by more than 10%, you absolutely can – we might just ask a few extra questions.) 

Any changes you make won’t affect the Wealth Bonus you’ve accumulated so far.

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