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A Retirement Annuity is an efficient and important way to save for retirement because:

You save tax
Your retirement annuity contributions reduce your taxable income up to certain limits: part of your contributions come from tax savings, which means that the South African Revenue Service (SARS) is actually paying a part of your retirement savings. Another big tax advantage is that the growth on your investment is tax free!

Your savings provide you with an income in your retirement years
When you retire, you may take up to one third of your accumulated savings in a cash lump sum. The rest is used to provide you with a monthly income.

Your savings are protected from your creditors
Your retirement savings are safe irrespective of any personal financial loss you may suffer. This ensures that your savings will be available when it is most needed and for what it is intended - the provision of your retirement income.

According to current tax legislation, and depending on your tax situation, retirement annuities have the following tax advantages:

You can deduct your contributions to a retirement annuity from your taxable income, up to a specified limit. This means that you pay less tax when you contribute to a retirement annuity. Contributions in excess of the limit can be carried forward and deducted from future taxable income, including a retirement lump sum or pension income.

The investment returns earned in a retirement annuity fund is not currently taxed.

At retirement, the lump sum benefit is tax-free up to a specified limit. Regular pension payments are taxed as income.

This does not only mean that tax is delayed, but because the tax rebates, rates and allowable deductions change at ages 65 and 75, less tax will be paid.

All limits referred to above are specified annually for the tax year.

The earlier you start saving, the better. If you cannot save the recommended amount, save whatever you can afford. You can also add some of your bonus payments to your retirement annuity.

The Sanlam Retirement Annuity is designed to inspire you to start saving for a comfortable retirement and to help you stay motivated to keep going and stay on track. It is one of the most cost effective savings options available, combined with investment peace of mind.

Your retirement savings are managed on your behalf
The Sanlam Retirement Annuity offers an investment facility where your savings are gradually switched as you get closer to retirement, at an extremely low cost. Therefore you do not have to study the markets yourself to make investment decisions - instead you have complete peace of mind for the duration of your investment.

Added value of the Echo Bonus
Sanlam will boost your retirement savings by adding an additional amount, called the Echo Bonus, at retirement or termination. The longer you save, the bigger the bonus.

Cost-effective savings option
The Echo Bonus makes the Sanlam Retirement Annuity one of the most cost-effective savings options in the market.

The Echo Bonus is an amount that will be added to your fund value when you retire, or end the plan. The more payments you make, the higher your Echo Bonus.

Your Echo Bonus is always a percentage of your fund value. The Echo Bonus percentage depends on the term for which payments have been made. The longer the term, the higher the Echo Bonus percentage.

The Echo Bonus percentages for the online Sanlam Retirement Annuity are indicated in the following table if you are paying recurring monthly payments.

The Echo Bonus percentages for the online Sanlam Retirement Annuity are indicated in the following table if you are investing with a one-off payment.

To receive retirement annuity benefits, you must be a member of a Retirement Annuity Fund. For the Sanlam Retirement Annuity, this is the Central Retirement Annuity Fund. You automatically become a member of the Central Retirement Annuity Fund when you take out a Sanlam Retirement Annuity.

The Central Retirement Annuity Fund takes out a plan with Sanlam Life Insurance Limited on the member’s life, in order to provide the retirement benefits. The Fund, and not the member, is the plan holder.

• Your money can grow faster in a tax-free savings account compared to a regular savings account because you don't pay tax on the investment return.
• A tax-free savings account is therefore an effective way to save for your goals, because any interest, dividends or capital gains from your tax-free savings account will be free of tax.

Saving in a tax-free savings account gives you flexibility as you don’t have to commit to any future contributions. You can withdraw from your investment at any time. Withdrawing funds, however, may prevent you from reaching your savings goals, and will use up part of your lifetime limit for tax-free savings.

Contributions to a tax-free savings account are made from post-tax income.

A tax-free savings account is therefore an effective way to save for your goals, because any interest, dividends or capital gains from your tax-free savings account will be free of tax.

No tax is payable on withdrawals.

National Treasury has put limits on the amount you can save in a tax-free savings account. The total annual contribution in a tax year may not exceed the annual contribution limit, which is currently R33 000 per tax year. The total lifetime contribution may not exceed R500 000. Make sure you keep track of how much you've paid so that you don't exceed your limit across all approved tax-free savings accounts (at Sanlam or other providers).

Yes. There is no limit on the number of tax-free savings accounts you can have. Make sure your annual payments across all approved tax-free savings accounts (at Sanlam or other provider) do not exceed the annual contribution limit.

The effect of compound interest, or earning investment return on investment return, is increased in a tax-free savings account due to the tax relief on the investment return. The longer you invest the more benefit you will get.

If you invest more than the annual contribution limit stipulated by National Treasury, SARS will impose a tax penalty of 40% on excess contributions. To avoid penalties, make sure that your annual payments across all approved tax-free savings account (at Sanlam or other providers) stay below the limits.

It is compulsory to disclose the investment information when submitting your annual tax return. You will need to submit the IT3(s) statements provided by Sanlam or other providers to SARS when requested. Sanlam will also submit the information to SARS electronically.

The South African tax year runs from 1 March to 28 February of the next year.

Yes, you can apply for a Tax-free Investment on behalf of your child or other family member, but keep in mind that you will be using part of their tax-free allowance, which may limit their ability to save for themselves via this type of product later. Money withdrawn can only be paid out into a bank account which is in the family member’s name. Be careful of donations tax, if applicable.

A tax-free savings account can only be opened for an individual. You can open one for each individual in a family, but cannot open one in the name of a trust or a company.

The Sanlam Tax-free Investment offers low fees and discounted investment management fees making it a competitive and cost-effective savings choice. As Wealthsmiths, we are dedicated to improving the savings culture in the country.

You can make monthly or one-off payments into a Sanlam Tax-free Investment. The payments in any tax year are limited to the annual contribution limit in that year. As of 1 March 2017, this is currently R33 000 per year. The total lifetime contribution limit is R500 000. If you go above these limits you will incur tax penalties.

• If you choose to make monthly payments, you can pay between R250 and R2 750 per month. If you choose to select your own funds, the minimum contribution is R500 per month.
• If you start with a one-off payment, you can pay between R10 000 and R33 000. If you choose to select your own funds, the minimum one-off payment is R15 000.

You can add additional one-off payments of between R2 750 and R33 000 in future, as long as your total payment in the tax year does not exceed the annual contribution limit.

The maximums above will be adjusted if the annual contribution limit is changed.

No, but you should decide upfront how long you plan to invest, as your fund allocation needs to be appropriate for your expected investment term.

If you used the default Satrix Life Time Investment Option, we use the expected investment term to manage the investment. Therefore, to ensure that we invest your funds appropriately, you need to inform us of any changes in the expected investment term.

If you select your own funds, you should review the underlying funds if your expected investment term changes.

The effect of compound interest, or earning investment return on investment return, is increased in a Tax Free Investment Account due to the tax relief on the investment return. The longer you invest, the more benefit you will get. The Sanlam Tax-free investment has a minimum investment term of 5 years, so that you benefit from the tax relief and get value for money.

FICA is only applicable of you make recurring payments of R25 000 or more per year, which is R2 083 or more per month.

If FICA is required, you will need to provide proof of identify and your residential address. One of our call centre agents will call you to make the necessary arrangements.

The current charges for the Sanlam Tax-free Investment consist of the administration charge plus the Investment Management Charges. The current charges are:

Administration charge
This fee is a percentage of the fund value. The charge is calculated on a monthly basis, which means the percentage is divided by 12 to calculate the monthly amount. This charge is subject to a minimum rand amount that will be increased gradually over 24 months from R0 per month on the start date of the plan to R32.00 per month if you invest in the default fund or R45.00 if you add the ability to select your own funds. This current minimum rand amount will be increased from time to time to allow for inflation.

The graph below shows how the percentage will reduce as your fund value increase:

There will be no transaction charge for any of the following:

• Reducing or stopping of a recurring payment;
• Withdrawals from the plan
• Terminating the plan

You will be charged R 300 to add the ability to select your own funds to a plan that currently invests in the default Satrix Life Time Investment Option.

Recurring payments into the Sanlam Tax-free Investment are payable by debit order.

One-off payments at the start of the plan are also payable by debit order.

You can add additional one-off payments during the lifetime of the plan on Sanlam Secure Services or by contacting the Sanlam Client Care Centre at 021 916 5000 or 0860 726 526 (SANLAM), or send an email to life@sanlam.co.za.

You can access Sanlam Secure Services via the Login button on www.sanlam.co.za.

You need to select the date you want the first payment to be taken off your bank account. If it is not possible to take off the first payment on this date, we will take it off one month later.

All payments are due on the same day of the month as the date selected for the first payment, or the first working day thereafter if the due date is not a working day.

Select the date for the first payment to fall on or just after your salary payment date, to make sure that you have enough funds available.

You can choose your monthly payments to remain the same or increase yearly on the plan's anniversary. Payments can increase at a fixed rate or at the Sanlam inflation rate. Sanlam will limit the annual payment increase to make sure that your payments in a tax year do not exceed the annual contribution limit.

Yes, you can add one-off payments at any time after your plan has been issued. The minimum additional one-off payment is R2 500. You can add one-off payments by registering on Sanlam Secure Services on www.sanlam.co.za and then select the ‘Invest more’ link in respect of the applicable Tax-free Investment plan displayed in your portfolio. You can access Sanlam Secure Services via the Login button on www.sanlam.co.za.

You can also add additional one-off payments by contacting the Sanlam Client Care Centre at 021 916 5000 or 0860 726 526 (SANLAM), or send an email to life@sanlam.co.za.

The recurring payment can be increased, reduced or stopped. Contact the Sanlam Client Care Centre on (021)916-5000 or 0860 726 526(SANLAM) or send an e-mail to life@sanlam.co.za.

• The minimum increase amount is R250 per month.
• If you reduce the payment, it cannot be less than the minimum payment for a new plan at that time. This is currently R250 per month if you invested in the default option and R500 per month if you selected your own funds.

If a recurring payment is applicable, the plan starts on the date that the first payment is made. If we cannot collect the first payment on your preferred start date, we will collect the first payment one month later and move the start date in line with this.

If a one-off payment is applicable, the plan starts on the date that the payment is collected from your bank account. If we cannot collect the payment on your preferred collection date, we will collect the payment on the first possible date thereafter and move the start date in line with this.

The Sanlam inflation rate is worked out considering the change in the consumer price index, or any other commonly accepted method of measuring inflation that may apply at the time. The Sanlam inflation rate may differ from published inflation rates, due to differences in calculation methods. A minimum rate applies, which may change from time to time.

If you select the default option, your money is invested in the Satrix Life Time Investment Option for Tax-free Investments. This option invests in the Satrix Balanced Index Fund and the Satrix Low Equity Balanced Index Fund. We manage the allocation to these funds on your behalf. If the investment term is longer than 10 years, all funds are initially invested in the Satrix Balanced Index Fund. This fund is moderately aggressive and can have a fair amount of fluctuations in short-term returns, in anticipation of higher real return over the long-term. If the remaining expected investment term is less than 10 years, the funds are gradually switched to the Satrix Low Equity Balanced Index Fund, a fund with more stable investment returns. Both of these funds are passively managed funds, tracking a basket of indices.

If you prefer to select your own funds, we offer a range of quality investment funds. You can choose up to five funds at first, and can switch between these funds at any time. The first four switches in any plan year are free. You can get more information on the available funds in their fund fact sheets.

In the Satrix Life Time Investment Option for Tax-free Investments we manage your investment on your behalf. This option invests in the Satrix Balanced Index Fund and the Satrix Low Equity Balanced Index Fund. Both of these funds are passively managed funds, tracking a basket of indices. The allocation to these funds is based on the expected investment term.

If the expected investment term is longer than 10 years, all funds are invested in the Satrix Balanced Index Fund. This fund is moderately aggressive and can have a fair amount of fluctuations in short-term returns, in anticipation of higher real return over the long-term.

From ten years before the end of your expected investment term, 2.5% of your investment is switched to the Satrix Low Equity Balanced Index Fund every quarter, a fund with more stable investment returns.

If your expected investment term at the start of the plan is shorter than 10 years, your investment is allocated to both the funds. For example, if your expected investment term is 5 years, 50% of your investment will be allocated to each of the funds.

It is important that you adjust your plan if your expected investment term changes to ensure that your investment is allocated appropriately. Contact the Sanlam Client Care Centre on (021)916-5000 or 0860 726 526(SANLAM) or send an e-mail to life@sanlam.co.za.

Vertical axis = Fund allocation
Horizontal axis = Remaining term

If you selected your own funds, you can switch your investment funds at any time. You have four free switches a plan year. Thereafter a switching fee of R 600 will be charged per switch.

If you selected the default investment option, your funds are invested in the Satrix Lifetime Investment Option for Tax-free Investments. We manage your investment on your behalf. We will gradually switch your funds to a more stable investment. All of these switches are free.

We invest your full payment in the underlying investment funds by buying units in each of these funds. The unit prices of the investment funds are not guaranteed, and may increase or decrease over time.

The total fund value of the plan is equal to the sum of the values of the underlying investment funds. The fund value for each investment fund is equal to the number of units you have in the fund multiplied by the unit price at the calculation date.

Investment funds can invest in multiple asset classes or a single asset class. For funds with a single asset class, the fund mandate describes the asset class (e.g. equity, cash or property). For funds with multiple asset classes, the fund mandate describes the investment risk profile (e.g. cautious, moderate or aggressive):

CONSERVATIVE: Conservative investments provide modest returns with a high degree of capital security. A typical portfolio will consist primarily of income orientated asset classes such as cash, bonds and property, with very little exposure to equities. The expected return may be close to inflation. There is therefore a risk that the real value of an investment may reduce over time, after taking fees and taxes into consideration.

CAUTIOUS: Cautious investments provide stable returns with limited risk of capital loss. A typical portfolio will consist primarily of income orientated asset classes such as cash, bonds and property, with limited exposure to equities.

MODERATE: Moderate investments should generate real returns by outperforming inflation over the longer term, but will at times experience short-term negative returns. A typical portfolio is diversified over all major asset classes to provide a balance between risk and return. There is a moderate risk of capital losses in the short term.

MODERATELY AGGRESSIVE: Moderately aggressive investments can have a fair amount of fluctuations in the short-term returns, in anticipation of higher real returns over the long -term. A typical portfolio is diversified over all major asset classes, with a bias towards equities to create real capital growth over the long term. There is a substantial risk of capital losses in the short -term.

AGGRESSIVE: Aggressive investments aims to maximise real return over the long term, but may experience severe short-term negative returns. A typical portfolio is diversified over all major asset classes, with a strong bias towards equities in order to significantly outperform inflation over the long term. There is a significant risk of capital losses in the short term.

Multi-asset class funds offer exposure to various asset classes including cash, equity, bonds and property. In a passively managed multi-asset class fund each underlying asset class tracks the return of its respective index. For example, in the SATRIX Balanced Index Fund the property exposure is managed to deliver the performance of the FTSE/JSE SA Listed Property Index (J253). The composite index simply combines the underlying indices, each with a specified weight.

A passive or index-tracking fund is used to follow the performance of a specified underlying index as closely as possible. An index is a grouping of shares or other securities. Indices can be constructed to represent the overall market or a specific sector or theme. This makes it possible for individual investors to obtain the performance of an index.

Satrix funds are managed by full replication, which means the fund will hold exactly the same underlying securities as the index, in exactly the same weights. Any changes that are applied to the index will also be applied to the index-tracking fund.

Passive management is an investment strategy based on tracking an underlying index, with the aim of delivering performance as close to that of the index as possible. An index-tracking fund is therefore constructed to match the specified index.

Actively managed funds are constructed to differ from the index that is used as their benchmark. Following rigorous company analysis, active managers make specific investment decisions with the aim of constructing a fund that outperforms the relevant benchmark. The outcome of these investment decisions will determine whether the active fund performs better or worse than the index.

The fees associated with active management are higher than those associated with passive management.

After the start date of your plan, you can get information on Sanlam Secure Services. You can register using your plan number by going to the Secure Services link under Login on www.sanlam.co.za. Alternatively, you can contact the Sanlam Client Care Centre at 021 916 5000 or 0860 SANLAM (0860 726 526), or send an email to life@sanlam.co.za.

You can register for Sanlam Secure Services and then get information online about your Sanlam products.

Go to www.sanlam.co.za and click on Login. Select the Secure Services link on the Login menu. You can use your plan number to register for Secure Services.

Once your application has been processed, you will have 30 days in which to examine the contract documents and decide whether you wish to continue with the plan.

If the plan does not meet your needs, and if you have not made any changes to it, you can cancel it by letting us know in writing during this period. We will refund any payments you have already made. If the assets in which the payments were invested have decreased in value, or if you have already received benefits from the plan, we will reduce the amount to be refunded to you in line with this.

If you need further information on your Sanlam Tax-free Investment please phone our Sanlam Client Care Centre on 021 916 5000 or 0860 SANLAM (0860 726 526), or send us an email at life@sanlam.co.za. Our Compliance department can be contacted at the same number.

When you get advice from a registered financial planner, and buy a product through that broker or advisor, you are protected under the Financial Advisory and Intermediary Services (FAIS) Act of 2002. This means that if you are not satisfied with the advice you received and the manner in which we responded to a complaint you may have had, you can submit a formal complaint to the FAIS Ombud.

If you purchase a financial product directly from a product provider without the help of a broker or advisor, you take full responsibility for your decisions.

You can at any time contact a Sanlam financial planner to get advice on your fund choice. If you selected your own funds, you can add a fee for advice to your existing plan. Contact the Sanlam Client Care Centre on (021)916-5000 or 0860 726 526(SANLAM) or send an e-mail to life@sanlam.co.za. Alternatively, you can submit an enquiry/request online at: www.sanlam.co.za/contact/getadvice/Pages/default.aspx

If you provide Sanlam with your tax number, Sanlam will submit your information electronically to SARS. This will make it easier to complete your annual tax return.

Contact the Sanlam Client Care Centre on (021)916-5000 or 0860 726 526(SANLAM) or send an e-mail to life@sanlam.co.za.

You will need your plan number, the beneficiary’s full names, ID number, and the percentage of the benefit that you wish to allocate.

You can withdraw money at any time. No fees will be charged for withdrawals.

Any re-investment will count towards your total tax-free savings payments, which are limited to R500 000 over your lifetime. Withdrawing funds may prevent you from reaching your savings goals.

The effect of compound interest, or earning investment return on investment return, is increased in a tax-free savings account due to the tax relief on the investment return. The longer you invest the more benefit you will get.

No, but you can withdraw a part or all of your investment if you need access to the funds.

Yes, if you selected your own funds you can ask for monthly income payments once the fund value on your plan has reached a minimum (currently R 40 000). You cannot take income while making recurring payments.

You cannot take income from a plan invested in the default investment option.

The fund value on the date we are notified of your death will be paid to the beneficiaries on the plan or to your estate, if no beneficiaries were appointed.

Beneficiaries will receive the proceeds tax free, and can choose to take out a new tax-free investment if they want to continue investing in this product.

In the event of a claim, please tell us as soon as possible. To get the necessary claim forms and to make sure that all the required information is supplied, contact the Sanlam Life Claims Call Centre at 021 916 1710.

Depending on the nature of the claim, certain documents (e.g. a death certificate) may be required.

In certain cases the cost for in-hospital procedures or outpatient treatment may exceed the base medical aid rate by 5-times. By taking out Sanlam Medical Gap Cover Insurance, you ensure that you and your family aren’t left with a large excess amount to settle.

• You need to be an existing member of a registered medical aid scheme.
• Gap cover extends to the principal member, their spouse and children up to age 26. All family members must belong to the principal member’s medical scheme and must be registered on the same medical scheme benefit option.
• The maximum entry age is 60.
• Special dependants may be included.

Yes, the following waiting periods apply:

• A general waiting period of 3 months on all benefits.
• 12 months for pre-existing conditions.
• 12 months for maternity benefits.
• Permanent exclusions may apply.

• Treatment for obesity, including bariatric surgery (stomach stapling).
• Treatment for cosmetic surgery unless necessitated by a trauma or as a result of oncology treatment (e.g. breast reconstruction following a mastectomy).
• Any co-payment that is not a defined rand amount (i.e. it is applied as a percentage).
• Any penalty, co-payment or limit applied by a medical scheme for not complying with the benefit rules or authorisation procedures (e.g. non-authorisation of a hospital admission or where the member is covered on a network plan and makes use of a non-network facility).
• Specialised Dentistry is only paid for on the Sanlam Gap Cover Comprehensive Plan in the event of trauma, cancers and tumours.
• Claims older than 6 months.

• Standard Medical Aid Gap Cover - R166 per month
• Comprehensive Medical Gap Cover - R198 per month

Claims are assessed by Xelus Pty (Ltd), the Sanlam Gap Cover administrator. Claims must be submitted within 6 months of an event.

Claim submissions can be sent to:
Email: sanlamclaims@xelus.co.za
Fax: 086 501 8521
Or contact Xelus at: 0861 11 11 67

Download claim form

We require the following documents from you to process your claim:

• Claims transaction remittance (receipt) from the medical scheme. Relevant doctors’ accounts.
• Hospital account (the first four pages showing admission/discharge times and ICD codes).
• Current medical scheme membership certificate (copy of the membership card is not accepted).

An e-mail and SMS is sent to the member when:

• The claim is captured.
• Outstanding documentation is requested (assuming you have not signed the authority form).
• The claim is authorised.

Please note that payments will be made directly into the principal member’s bank account. By law, service providers may not be paid directly.

This Plan will pay when someone covered on the policy dies.

Yes. You can make changes to the Plan such as adding a family member or a spouse/partner to the Plan, increasing/decreasing the amount of cover and choosing a new beneficiary.

Premiums will increase as your loved ones get older and move through the age bands for example when a child becomes an adult. You will be told about premium increases at least 30 days before it happens.

This Plan will not pay out in the case of:

• Suicide in the first 24 months from when the Plan starts
• Intentional, self-inflicted injuries or deliberate exposure of the covered person to unnecessary danger
• War, invasion, act of a foreign enemy, hostilities (whether war be declared or not), terrorism, civil war, rebellion, revolution or any occurrence incidental to or arising from any of the aforementioned or any attempt at any of the aforementioned
• Radioactivity or nuclear explosion
• Any act or omission by the covered person which is in violation of any law
• Natural causes in the first 12 months from the start of the Family Funeral Plan. All covered persons are covered for accidental death only during the first 12 months from the commencement date of the Plan. All causes of death are covered thereafter.
• Natural causes in the first 12 months of an additional covered person being added to the Plan by the primary covered person. This exclusion however, does not apply where a child turns 21 and is added as a member on the Plan immediately as an additional covered person by the primary covered person.

You and your loved ones covered under this Plan will be covered from the date your first premium is paid. Your membership certificate with all personal details of covered persons, will be sent to the email address you gave during the online purchase process.

If a person dies without a will, it could lead to severe administrative, tax and legal problems and possibly also lead to financial losses.

In your will, you determine how your assets should be divided, and nominate an executor and trustee to take care of the division of the estate's assets and to handle the administration of any trust assets.

You have the right to name heirs as you wish in your will. If you don't, your assets will be divided according to the Intestate Succession Act, No 81 of 1987, after your death. This could mean that persons you would have preferred not inherit from you, could inherit.

Your will therefore determines the future of everything that you've built up through the years – and your heirs can be directly disadvantaged if you don't plan correctly. Estate duty, income tax, VAT and capital gains tax (CGT) can take a big chunk out of your estate if your planning is wrong.

If you suspect that your will might be more complicated (for instance because there are children from a previous marriage, complex business arrangements and specific wishes), contact us on +27 21 947 5673 or email us.

The executor of your estate must administer your estate in terms of the Administration of Estates Act 66 of 1965, and any other relevant Acts, and execute your estate in accordance with the stipulations of your will (or Intestate Succession Act, when applicable) under supervision of the Master of the High Court. The executor is the company, firm or person that you appointed in your will.

The appointment of an executor is a big responsibility. You may appoint your spouse, but this is in most cases not a good idea, since your spouse could be emotionally shattered and not ready to take important financial decisions.

Without the necessary knowledge, your spouse will also not know where to get the best advice or service. Your spouse may be exposed to someone serving his own interests, in which case the estate's chequebook might end up in the wrong hands.

Approaching a reputable company or section of a company specialising in wills, estates and trusts is a much safer idea:

• You will enjoy the benefits of specialised experience and knowledge
• Your estate will be handled deftly and professionally and you are ensured of objective advice
• You enjoy complete security through internal control
• Sophisticated computer systems ensure top quality service

As a leading trust company in South Africa, Sanlam Trust offers expert management of deceased solvent estates and living and testamentary trusts. Sanlam Trust can act as executor of your estate and trustee of your trust. Contact us on +27 21 947 5673 or email us.

An annual fee of R57 will be charged to manage and securely store your will in a vault.

The content of a Shariah will is fixed and complies with Muslim or Islamic laws. If you would like to compile a Shariah will please contact Sanlam Trust on +27 21 947 5673 or email us.

If you or your beneficiaries have any queries or would like to make changes to the will, please contact Sanlam Trust on +27 21 947 5673 or email us.