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The importance of insurance for women
As a South African woman, you carry vital responsibilities — whether you’re the breadwinner, caregiver, or both. But many women in our country are significantly undercovered.
Leaving yourself underinsured can have far-reaching effects — on you and those who rely on you. You deserve cover that reflects your real needs: protecting your income, health, and future.
Don’t leave yourself exposed
SA women have less than half of the death and disability cover
(40-45%*)
On average, only
16%*
On average,
45%*
Why choose Sanlam insurance for women
The Sanlam insurance range includes various benefits, such as income protection, disability and severe illness, amongst others, and has been designed to cater for the generic as well as unique needs of our female clients. It provides quality, comprehensive protection so that they can rest assured that their needs are properly covered. Want to know more?
Income protection benefits:
- Sick leave cover up to 24 months — including cover for pregnancy complications, C-sections and hysterectomies.
- Spouse and Child Protector benefits to cover your immediate family.
Disability benefits:
- Occupational disability cover for your particular occupation, including during periods of paid annual and maternity leave*.
- Extended occupational disability cover for up to 12 months while on unpaid maternity leave*, a sabbatical or after being retrenched.
Severe illness benefits:
Comprehensive cover for all body systems — more than 300 illnesses, injuries, infections and impairments, including cover for:
- Female cancers and early cancers of the breasts, ovaries and cervix.
- Therapeutic and preventative mastectomies.
Questions every woman should ask herself
6 min read
FAQs
Frequently asked questions
What is life insurance for women from Sanlam?
Sanlam’s life insurance is thoughtfully designed to meet your gender-neutral needs as well as your unique needs as a woman. For the latter, it includes comprehensive benefits such as income protection for pregnancy complications and c-sections, cover for female‑specific cancers, and continued sick leave and disability cover during maternity leave*.
Unfortunately, many women remain under‑covered in terms of income, disability, and severe illness protection and that’s why it’s important to speak to an expert about Sanlam’s insurance for women, and get covered, properly.
What is Wealth Bonus®?
Wealth Bonus® – Sanlam’s monetary reward for you, helping you to build meaningful, long-term wealth. Automatically included for all qualifying new business on our Premier and Premier Smart insurance options.What is Extended Wealth Bonus?
After your Wealth Bonus, which was linked to your Premier Insurance benefits, has fully unlocked, the plan will automatically start to accumulate an Extended Wealth Bonus.
At certain future dates, 50% of your Extended Wealth Bonus will become unlocked as well.
How does Wealth Bonus Booster work?
Graduate and professional clients who take up both a qualifying Cumulus Echo Retirement Plan and a qualifying insurance plan under the Premier or Premier Smart product option with Sanlam, get exclusive access to even more value and rewards.What is Health Boost?
Fedhealth main members receive a boost on their current Wealth Bonus contributions on Premier and Premier Smart insurance options.How does Cashback work?
Cashback is available on all our insurance options as an optional benefit that rewards you for keeping your cover in place.Cover for your peace of mind
- Clients have entrusted their life cover with us for more than 100 years and have peace of mind that we follow a consistent, fair and objective assessment approach to ensure that we pay all valid claims
- You do not need to inform us if your occupation changes after we have accepted your application as the terms of your cover will remain the same
- If you provide consent to the Sanlam Protector Umbrella Trust, any benefit payments will be used in your best interest if you were to suffer a mentally debilitating illness at the time of claim. Your consent prevents costly legal fees and delayed payments
- For beneficiaries younger than 18, death benefits can be transferred directly to the Sanlam Guardian Trust – to safeguard the funds and administer the benefit until the beneficiary turns 21
Does Sanlam cover women’s dread diseases?
Yes. Sanlam’s severe illness cover provides extensive protection for more than 300 illnesses, injuries, impairments and infections. It includes cover for female cancers (such as breast, ovarian, and cervical cancers), and even covers therapeutic and preventative mastectomies. This ensures you receive tailored support when faced with serious health challenges. Enquire today with the insurance company that puts women first.What life policy should I take out?
Life insurance is a broad term that includes life cover, disability cover, income protection and severe illness cover. The best life policy for you depends on your personal circumstances, such as whether you are earning an income and whether you have dependents. We recommend also exploring Sanlam’s unique Wealth Bonus and Cashback benefits. Speak to an expert to help tailor the right combination for your needs.
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