Because we understand that claims are submitted under very difficult and distressing circumstances, we’ve kept the process as simple and straightforward as possible. All claims can be submitted online in a few easy steps, and we’re here to help you every step of the way.

Once the loan amount is paid in full, you have the option to keep the benefit to potentially provide you with whole-life personal cover.

Your premium is determined through a process called underwriting. It may sound complicated, but underwriting is essentially the process your insurance provider uses to determine your risk status. This in turn affects your cover amount and monthly premiums, and establishes whether any terms and conditions apply to your policy. To help our underwriters calculate your status, you’ll be asked to supply information relating to your health, medical history, occupation and financial situation as well as details about where you’ve travelled or plan to travel and any potentially dangerous activities you participate in. You may also be required to complete a medical test. Our underwriting process is designed to ensure that you pay a fair premium for the full term of your cover and that your beneficiaries are able to claim confidently when the time comes. As carrying more risk for our clients forms part of our underwriting philosophy, your policy will remain unaffected should you change your occupation or smoking habits or take up risky activities after it has been issued.

We understand that life can throw you curveballs from time to time, which is why we have options in place to help you maintain your cover while you get things back on track. As a Sanlam client, you may request a three-month payment holiday, during which time you’ll still benefit from limited cover.