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Why doesn't Sanlam Indie guarantee premiums?

We don’t do this because generally, over time, life insurance premiums decrease. There are a few reasons this happens, but it's primarily because people live longer and longer as their general health and health care improves over time 👨🏻⚕️.   So we don't think it's very fair to you guys who have been our clients for some time, to pay MORE than someone who is brand new to Sanlam Indie. It's better that everyone benefits when prices tend to decrease.  The downside is, there's a small chance that premiums may increase, in which case everyone will pay slightly more, but we're confident the trend of decreasing prices will continue 👌🏽.

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