Africa's 1st major
What we offer
Find what you need by browsing our products and services
- Products
Insurance
Rest assured that you're covered no matter what life throws your way.
Retirement
Making smart choices about your savings throughout life can help you retire comfortably.
Savings & Investments
All good things take time. Build wealth for you and your descendants starting today.
Credit
Manage, build, and optimise your credit profile to achieve financial success with confidence.
Health
Get great health solution products, from gap cover to medical aid.
Financial planning
Manage and understand your financial wellbeing with Sanlam.
Wills, trusts and estates
Protecting your legacy starts with your will.
Rewards
Learn more about our Wealth Bonus and Reality loyalty and rewards offers.
Understand how much things will cost
Our quick and easy tools and calculators will help you make an informed decision on the products you want or need.
- Calculate
Retirement
See how much you should be saving to ensure you enjoy your retirement.
Two-pot retirement
Calculate the estimated value of the savings and vested components of your retirement fund.
Financial check
Get a personalised financial roadmap that provides a full view of your finances, and guides you towards achieving your goals.
Personal loan
Calculate the cost of your Sanlam personal loan.
Important financial decisions to consider at different times in life
Starting your new career
Your first job is exciting on many levels. It’s an opportunity to kickstart your career, to gain valuable knowledge and experience and to start building a professional network. But most importantly, with your first pay cheque comes your first step towards financial freedom. And part of being able to stand on your own two feet financially, means thinking not only about the here and now, but the future too.
Getting married
Choosing to spend the rest of your life with someone is one of the most significant decisions you’ll ever make. And while it’s easy to get caught up in the excitement of planning a wedding and the honeymoon that follows, it’s important that you and your soon-to-be spouse take time to discuss your future and ensure that you’re on the same page financially.
Buying a house
Buying a home is not only incredibly exciting, it’s also likely one of the largest purchases you’ll ever make. And depending on your circumstances, you’ll need to take a number of costs into account, including the deposit, transfer costs, home loan repayments, rates bills, maintenance costs, and more.
Having a baby
Starting a family brings with it great joy and even greater responsibility. Make sure that your growing family's future is secure by taking out life insurance that is designed to support them financially should you pass away unexpectedly.
Speak to an expert
Navigating life and all its decisions can sometimes be daunting. You can do it on your own if you want to, or you can rely on one of Sanlam’s expert financial advisers to ensure you get the right financial advice.
Here to support you
Stay Scam Smart
Keep your investments safe. Spot fraud before it happens to you!
AI Credit Coach
Transform your relationship with credit and boost your financial literacy with AI Credit Coach, free and available 24/7.
National Budget Speech 2026
Our expert advice, tools and tips can help you turn Budget Speech confusion into confident action to boost your F Factor.
Financial check quiz
Unlock your financial future with a simple five minute quiz and receive a unique roadmap complete with personalised goals.
Sanlam Benchmark 2025
Explore the latest retirement fund research, insights, and presentations from the Sanlam Benchmark™ Survey.