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Income Protection

If you become disabled and can't work, we pay you an income until you're 70 or you've recovered.


Payout increases with inflation each year


Free built-in Wealth Bonus


Immediate cover

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Instant, online, in minutes


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How it works

Innovative Funeral Cover that doubles and rewards you with wealth.

Make sure you and up to 20 loved ones have everything you need for a dignified funeral. We'll automatically double everyone's cover after 3 years, free of charge. And we'll reward you with a growing Wealth Bonus for every member you add.


Calculate your Wealth Bonus. Get a quick quote.

Quickly see what you’ll pay and how much Wealth Bonus you’ll receive.

How much cover would you like?

My Cover

Additional lives

Who would you like cover for?

Get cover for up to additional people.

Add up to another people.

Total Premium


A free Wealth Bonus

This could be worth at age 70.

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Projections are based on general assumptions and not guaranteed.


Income Protection

Pays you a monthly income if you become disabled and can't work.

Everything you need to know including the cover, payouts, claims, premiums and more.

What is Income Protection?

Income protection provides you with a reliable monthly income if you’re no longer able to work because of a disability. It starts paying for disabilities that last for more than 21 days and continues until you recover or when you turn 70.

More about
Income Protection

When will Income Protection pay out?

We’ll pay all valid claims as fast as possible. How long that takes depends on the nature of the claim, as well as how quickly we’re given the relevant claims documentation.

If you claim, income protection will pay out only if you’ve been unable to earn an income for longer than 21 days...  

More about claims & payouts

Can I skip premiums?

You can skip a premium at any time. If you do skip a premium, we’ll reduce your cover temporarily until you have paid 6 consecutive premiums.

There is a lifetime limit on the total number of times you can skip premiums.

More about
Income Protection

Does the cover amount change?

Your income cover amount will automatically grow each year with inflation, but you can choose to opt out of this growth. Also, at any time you can lower your cover, or increase your cover, or remove your cover altogether...

More about the cover


Insure your life, and we will invest in you.

Sanlam Indie matches up to 100% of your life insurance premium and invests it for you at no extra cost. Every premium helps create wealth for your future.

Why SANLAM Indie?

Simpler, smarter, more rewarding Life Insurance.

We think life insurance should be more about living. So we’ve reinvented it to help you get on with life.


Get a free Wealth Bonus


Do everything online, in no time


Your cover starts immediately


Qualified support when you need it


Insurance, at the best possible price


No paperwork, no jargon

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SANLAM Indie Plan

Not sure what insurance you need? We can help.


Answer a few simple questions.


We'll show you a plan and quote.


Save your plan for later or get covered today.

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100% no obligation to accept.

Get life insurance.
Get a Wealth Bonus.
Get living.

Only Sanlam Indie gives you an investment that creates wealth while you insure yourself.

Get started

Instant, online, in minutes


Let us contact you

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