Manage the financial impact of a permanent or temporary disability with confidence. If life takes an unexpected turn and you’re unable to earn an income, this cover helps you stay financially secure — so you can focus on what matters most.
About Disability Cover
COMPARE YOUR OPTIONS
Wondering whether you need life insurance, disability cover — or both? Each plays a unique role in protecting your financial future. Here’s what you need to know to make the right choice.
Tip: A Sanlam financial planner can help you decide which option fits your goals.
Sanlam’s Life Insurance gives your loved one's financial security if you pass away unexpectedly. It pays out a tax-free lump sum that can help cover immediate costs and future expenses, so your family can maintain their lifestyle during a difficult time.
Disability cover looks after you and your family while you’re still alive. If you become temporarily or permanently disabled and can’t earn an income, it pays out a tax-free lump sum to help cover living costs, medical care, and any adjustments you need to make. If you have loved ones who depend on you, adding disability cover to your life insurance gives extra peace of mind — protecting them not only if you pass away, but also if you’re unable to work.
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| Selmie Harris Sanlam Financial Planner 0824557379 Make contact on my digital business card |
FAQs
– Sanlam knows that submitting a claim often happens during a difficult time, so they have made the process as simple and stress-free as possible.
You can submit your claim online in just a few easy steps — and if you need help along the way, our team is here to guide you.
Underwriting might sound complex, but it’s simply the process we use to assess your risk profile. This helps determine your cover amount, monthly premiums, and whether any special terms apply to your policy.
To calculate this accurately, Sanlam will ask for details about your health, medical history, occupation, and financial situation, as well as information about travel plans or high-risk activities. In some cases, a medical test may be required.
– Their goal is to make sure you pay a fair premium for the full term of your cover and that your beneficiaries can claim with confidence when the time comes. And, as Sanlam Financial Planners, we believe in flexibility -your policy won’t change if you switch jobs, take up new hobbies, or alter your smoking habits after it’s issued.
Your premium isn’t fixed — and that’s a good thing. It can be automatically adjusted each year for inflation, ensuring that your cover keeps its real value over time. This means that if you need to claim years from now, your payout will still provide the same level of financial protection as the day you took out your policy.
It is important that you regularly pay your premium to keep your cover intact. Should you be unable to pay your premium, it may have an impact on you being covered. It is very important to contact us immediately should you skip premiums, to discuss options of how to keep your valuable cover in place, and stay protected.
Staying committed to your cover comes with real benefits:
Cashback Benefit
Add Sanlam’s Cashback benefit to any qualifying risk plan and enjoy a payout after 15 years of uninterrupted contributions. It’s their way of rewarding your consistency. A fixed additional payment of 35% applies to the Cashback benefit on a specific cover layer, but this falls away after 15 years — even if you choose to let your Cashback amount grow further.
Use your payout for what matters most: your children’s education, home upgrades, unexpected expenses, or even retirement. Or simply leave it invested for future growth.
Wealth Bonus®
A portion of your contribution is invested in a Money Market fund until you turn 70, so your money keeps working for you. Every five years, part of your Wealth Bonus® becomes available for withdrawal — or you can leave it invested to grow even more.
As a Sanlam client, you can enjoy more than just financial protection. Sanlam Reality is Sanlam’s lifestyle and rewards programme, available to all Sanlam and Santam clients, as well as members of Bonitas Medical Fund, Fedhealth Medical Aid, Barloworld Medical Scheme and Nedgroup Medical Aid Scheme.
Membership gives you access to exclusive offers on selected Sanlam products — including up to 30% off your monthly premium on Sanlam Life Insurance. You’ll also save on wellness, travel and entertainment, while earning tier points for financially responsible behaviour.
The more points you earn, the higher your status and the bigger your discounts. Plus, if you apply for a Sanlam Money Saver credit card and use it at any of our national partners (including Adidas), up to 5% of your spend goes towards your Cashback bonus.
