Sanlam Group Risk Products
These products cover life, funeral, disability and critical illness and address the financial needs your employees might face as a result of these events.
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about group risk products
Designed for employers who care about their employees
Product options
Group Life Insurance products
Life is unpredictable, but your insurance shouldn’t be. Group Life Insurance protects the futures of your employees and their loved ones – giving them peace of mind that they are covered in their time of loss.
Life Insurance
Flexible Life Insurance
Accident Insurance
Spouse's Life Insurance
Product information
Group Disability Insurance Products
No matter what your line of work, your employees are still at risk of an occupational disability. With our range of Group Disability Insurance products, your employees and their loved ones will be covered if the employee becomes injured or ill and cannot work or earn an income for prolonged periods.
Lump Sum Disability Insurance
Spouse’s Lump Sum Disability Insurance
Temporary Income Disability Insurance
Income Disability Insurance
Managed Income Disability Insurance
It either pays a regular monthly income to an employee, or a reduced disability income for employees who become partially disabled, thereby encouraging employees to return to work a reduced capacity. This product suits employers who follow a managed proactive approach to employees’ health issues.
Group Severe and Critical Illness Insurance products
Severe illness insurance is a vital part of a company’s employee benefit offering, as it fills the gap that disability insurance leaves open. Some employees may not qualify for occupational disability benefits after suffering a severe illness, therefore, their disability insurance might not assist them in these instances. This is where severe illness insurance steps in.
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Core Severe Illness Insurance
Severe Illness Insurance: Impact Range
The Impact Range offers a more affordable range of severe illness benefits. These benefits have been designed to consider the true impact of an illness on the employee’s life and finances, and cover a wide range of claim events through tiered benefit payments based on the severity of the illness. Multiple claims are possible for the same insured employee, i.e., the insurance does not terminate after a claim is paid.
Comprehensive Critical Illness Insurance
Group Funeral Insurance products
With Funeral Insurance, your staff can be confident that their families won’t experience the financial burden of unexpected funeral costs.
If an employee, their spouse and/or child passes away, Funeral Insurance pays out a tax-free lump-sum benefit to assist their family with the cost of the funeral and its associated expenses. The benefit is paid within 48 hours after the necessary documentation has been received.
If your employee’s service is terminated as a result of ill health (i.e., total occupational disability), the funeral insurance of the employee and his/her qualifying spouse and qualifying children can be retained with further payment of premiums, up to the earlier of the death of the employee or the benefit cessation date.
Additional benefits
Personalise your products with these supplementary benefits
You can choose to add any of the following supplementary benefits on the Group Life and Flexible Life Insurance products, to provide further peace of mind:
Accident Booster
Universal Education Protector Benefit
Medical Aid Premium Waiver
Conversion Option
Tax Replacement Benefit
Terminal Illness Benefit
Accelerated Lump Sum Disability Insurance
Continuation of Insurance during Disability
Growth in Insurance during Disability