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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


Built-in Wealth Bonus


Immediate cover

Get a quote

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 at no extra cost. And we'll reward you with extra Wealth Bonus for every family member you add.


Calculate your premium + Sanlam Indie Wealth Bonus.

See what you’ll pay and how much we'll contribute to your Wealth Bonus.

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


Your Sanlam Indie Wealth Bonus

could be worth at age 70.

Projections are based on general assumptions and not guranteed.


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 5 premiums total in the first 3 years. If you skip 6 premiums in the first 3 years of taking out your policy, you will have to pay your premium before your next billing date to avoid your policy lapsing. Any claims made during this period may not be paid out.

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.

We match up to 100% of your premium into a Wealth Bonus that tracks the market like an investment. Every premium you pay 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 built-in 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.


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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.

Get world-class cover that rewards you with wealth while you're alive.

Get started

Instant, online, in minutes


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