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Your greatest asset is your ability to earn an income. Sanlam Income Protection is designed to pay you a dependable monthly income if you become disabled or ill and can’t work, so that you and your family can keep on living.
Ensure steady income no matter what.
How to submit your claim.
Expert financial advice at your fingertips.
Sanlam's income protection cover offers maximum choice and flexibility at attractive rates. You can combine life insurance, disability, severe illness and income protection with additional offerings, such as accident cover.
The amount of cover you require will depend on your personal needs, which you can determine in minutes using Sanlam Indie – which allows you to buy life and disability cover online in minutes.
With Sanlam Indie, you’ll get fully quoted and covered online in under 10 minutes.
Even better, every Sanlam Indie policy comes with a free built-in Wealth Bonus.
Whether you know exactly what you want, or need help working out a comprehensive Life and Disability Insurance plan, we’ll guide you every step of the way.
Sanlam Indie 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.
If you become disabled or ill and can’t work for more than 21 days, you receive a tax-free monthly income until you recover or turn 70. The amount will depend on the cover you’ve chosen.
Most people need to cover about 85% of their existing income, after tax but before other deductions (like pension fund contributions), in case they become disabled. Also bear in mind any existing income protection you may have (which would reduce the amount of Sanlam Income Protection you need).
Your cover amount will automatically grow each year with inflation, but you can choose to opt out of this growth (in order to reduce your premium).
Your premium is determined by your age and risk profile when you take out the cover.
Sanlam Indie lets you proactively skip premiums without losing all your cover or reducing your Wealth Bonus. Read more.
Get any Sanlam Indie policy and we’ll match up to 100% of your monthly premium in an investment - at no extra cost.
Your Wealth Bonus grows with your premiums and with the market. Over the years, those contributions really add up and so does the growth. You can access 10% of it every five years, and all of it (including years of growth) at 70. You can learn everything you need to know on the Wealth Bonus page.
Ensures a steady, tax-free monthly income should you lose part or all of your income if you are temporarily or permanently unable to work.
We’ll help you work out what cover you need in just minutes.
Your premium is determined by your age and risk profile when you take out the cover. To find out how much you’ll pay contact a financial adviser.
Sanlam Reality members on the Reality Plus and Reality Health membership options can get discounts of up to 30% on Matrix Premier risk products. For more information on how to join, visit the Sanlam Reality website.
Let us contact you with an obligation-free quote.
Life happens, and it pays to be prepared. Sanlam’s wide range of comprehensive insurance products is aimed at helping you ensure your financial responsibilities are taken care of, even when you’re no longer able to do so yourself.
Whether you’re a seasoned professional or you’ve just stepped out of university and into your first job, income protection is essential for maintaining your lifestyle and taking care of your family when life takes an unexpected turn.
If you’re a fourth-year student in a professional field of study, you don’t need to wait to take care of your future. Start protecting your ability to earn an income now.
You never know when injury or illness can strike, impacting your earning ability. Ensure that your family is protected against sudden income loss.