We are a limited liability company licensed to transact life assurance business in Nigeria. We provide cover for both individuals and corporate organisations, enriching lives by offering a wide range of insurance plans that cover various needs of life. Sanlam Group is a leading diversified pan-African financial services group established in 1918 as a life insurance company. Sanlam has evolved into the largest non-banking financial services group in Africa through its diversification strategy. We are a limited liability company licensed to transact life and general insurance business in Nigeria. We provide cover for both individuals and corporate organisations, enriching lives by offering a wide range of insurance plans that covers various needs of life.

We have been creating value for stakeholders since 1918 – for more than 100 years – with all our efforts centred on helping our clients live with confidence. With a story of growth, development, empowerment and stability, the Sanlam Group is a multinational organisation, with significant presence across 33 countries in Africa, as well as in the USA, Malaysia, Australia, the UK and India.

At Sanlam we know how important looking after your family is to you. That’s why, as the experts in risk management, we insure your life and the money you earn with care and respect. We also stay true to our promises: you can always trust that we do what we say we’ll do. So, even if something should happen to you, you can be assured that we’ll do everything we can to ensure you, your family and your future are properly looked after, no matter what. Because that’s what makes us Live with confidence™.

Our life insurance products offer the appropriate coverage and financial security you truly deserve. Our products basically are grouped into pure risk and endowment products (by endowment it means the policy pays benefits when the insured dies during the policy period and pays benefits if the insured survives the policy period). Under our pure risk policy, we have Smart Protection Plan and Family Shield Plan (FSP). While our endowment policies are FlexiEdu plan / FlexiCash Plan / FlexiSave Plan, Sabi Savers and SavingsPlus Plan.

Although both provide life cover, our pure risk plan does not have a cash surrender value attached to it for the policy period and claims are processed only in the event of either death, critical illness or permanent disability while with the endowment plan, you can get a cash surrender value or refund should you wish to terminate the policy on or before maturity.

Depending on the plan type opted for, it gives you an opportunity to save and/or also provides cover for your family members/dependants /beneficiary(s) in the event of the death or permanent disability of the assured. Also, while the policy holder is alive, he or she has access to the total contribution plus interest at maturity during the policy tenure on our endowment plans.

Our plans are open to all income earners /individuals from 18 to 60 years of age either on retail or corporate platform.

Premium is determined by the proposed sum assured and age details.

The minimum amount is N5,000 depending on the policy.

It varies depending on the policy and when it was incepted. For FlexiEdu plan and FlexiCash Flow, the interest is embedded in the sum assured as the liability on the company in the event of a claim or maturity.

It is subject to the policy taken

Any person who might suffer a loss measurable in monetary value if the insured event occurs.

There is a waiting period in which a claim can be paid if it occurs by accident. However, after the waiting period, benefits can be paid either accidental or natural death.

complete proposal form/ valid means of identification/passport photograph/utility bill and evidence of payment made. Medical questionnaire/medical examination form. Also, payment of premium guarantees cover and makes the policy active (No premium, no cover).

Through our website, Financial Advisors / via email/ or visit any Sanlam branches or sales outlets.

Yes, you can.

· Our various payment options are listed below;

1. Direct debit: Complete direct debit mandate form and send to us for review and activation. Your account will be debited on the due date as specified on the mandate.

2. Standing instruction: Walk into any bank branch where you have an account and complete a standing instruction specifying our account (Sanlam Life Insurance – 2017174914 [First Bank of Nigeria]) as the beneficiary and your policy number as the payment narration.

3. Download our New Mobile App SANLAM NIGERIA on Play Store (for Andriod) or iOS store (for iPhone) and make your premium payments from the App.

4. Make payments via our online one stop payment service at https://pay.sanlam.com.ng/

5. Pay at any commercial bank branch using Pay direct. (Ask for this specifically at the branch). Please specify your correct policy number and confirm the details at the point of payment.

6. Point of sales (POS) at our selected Sales Outlets nationwide.

Yes, subject to charges however there is a grace period of 30 days following the purchase of a plan where money can be refunded should a customer wish to withdraw after making payment.

You will be required to send us a signed letter informing us of your intention to change your beneficiary for endorsement.

You will be required to provide a written notification of death, death certificate, a police report (if cause of death is by accident), a valid means of ID of the deceased, obituary poster/funeral service pamphlet, medical certificate of the cause of death and completed claims form.

If the deceased is a minor, we will require marriage certificate, birth certificate and a Sworn Affidavit stating that the claimant is the present guardian of the beneficiary in addition to the requirements listed above.

You will be required to make a request either through our email or various contact channels, a discharge voucher will be sent to fill and send back for processing.

Yes, you can but a written letter and an ID card should be sent to make the request.

No, this cannot be done. Surrender charges will apply and the balance transferred to the new policy.

We can be reached on our telephone line 01-9054444, 01-9054365 and 0700SANLAMLIFE or via email on wecare@sanlam.com.ng or visit any of our Sanlam Nigeria branch or sales outlets within or outside Lagos.

At Sanlam, we are committed to renewing your sense of confidence by providing you with a range of protection against eventualities. Our products offer the appropriate coverage and financial security you truly deserve.

Our general insurance products are tailored to suit your everyday need. They are: Flexi house plan / Auto Flexi plan / Fire insurance / Personal Accident Insurance Plan / Agriculture insurance / Bond / Marine insurance / Oil and gas insurance, and Fire & Special Peril insurance· Oil and gas insurance

Depending on the product you sign up for, insurance guarantees you a wide range of protection from the minimum to comprehensive protection. Insurance not only protects you from liability but also builds your financial confidence against adverse mishaps/losses such as accidental death, business interruption, and plantation insurance.

Depending on the policy, an insured can increase their sum insured by paying an additional premium on his/her policy. To increase your premium, you have to formally inform your insurer so an endorsement showing the increase can be done.

Getting an auto insurance plan involves a smooth process when you provide the following credentials:

• Motor insurance proposal form
• Valid means of identification
• Evidence of premium payment
• Vehicle license

Goods in transit policy can be purchased by an owner of goods or a courier. This cover provides a robust security plan for the goods in transit arising from theft or fire whilst in transit or during unloading of the goods. To purchase a policy, the insured will be required to provide destination details, types of goods, period of cover, and the number of containers to be covered.

Kindly notify Sanlam General Insurance by calling us at 08000CLAIMSALERT (0800025246725378), WhatsApp on +234.8125197466 or email us at general@sanlam.com.ng immediately a claim occurs. The filing process requires you to provide your policy number, well-documented pictures or videos of the incident, and other personal identification items such a driver’s license and other information.

The range of policy coverage varies in plans. Auto insurance policyholders only benefit an adequate coverage within the country. Other policies like marine insurance guarantee valid protection outside and inside the country.

Giving yourself a new car is a fantastic reward, but the best course of action is to inform your insurer about it. Your existing auto insurance policy can be transferred from your old car to your new car. However, additional payment may be required depending on the value of your new car.

The easiest way to confirm the validity of your insurance policy is to check online at www.sanlam.com.ng or contact our customer care via 0700SANLAMGI (070072652644), WhatsApp on +234.8125197466 or send a mail to The easiest way to confirm the validity of your insurance policy is to check online at www.sanlam.com.ng or contact our customer care via 0700SANLAMGI (070072652644), WhatsApp on +234.8125197466 or send a mail to general@sanlam.com.ng.

Yes. The insured can decide to cancel any of his/her insurance policy if the coverage signed up is not favourable. Also, the insurer can terminate the insured’s policy if there is a non-disclosure of material facts, or misrepresentation.

Coverage for a general insurance policy commences when premium payment is made. Payment of premium guarantees cover and makes the policy active.

Complete a Proposal form and a KYC form. Forward copies of valid means of identification/passport photograph/utility bill and evidence of payment made. Also, payment of premium guarantees cover and makes the policy active.

Through our Financial Advisors / via email / via our portal / via website / via calling 0700SANLAMGI / or visit any Sanlam branches or sales outlets.

Yes, you can.

Payments can be made monthly, quarterly, and half yearly or annually (single premium) into our Sanlam General Insurance Nigeria Limited FirstBank account No. 2032934500 or cheque payment, direct debit, internet banking and bank transfer.

We can be reached on our telephone line 0700SANLAMGI (070072652644), WhatsApp on +234.8125197466, via email to general@sanlam.com.ng or visit any of our Sanlam General Insurance Nigeria branch or sales outlets within or outside Lagos.

It is the contribution of the insured to each claim on an insurance policy. This is a standard insurance clause that is charged as a percentage of the claim. It makes the insured act as though uninsured.

However, most companies allow the insured to buy back the excess, which is referred to as ''EXCESS BUY BACK (EBB)'' on their Motor insurance policy. This means that the insured does not have to pay a part of the claim any time a claim is made. The cost for the EBB is usually a fraction of the premium payable.

If the estimate of repairs is equal to or greater than 60% of the vehicle’s sum insured, the INSURER shall settle the claim on a total loss basis, thereby taking possession of the salvage (the damaged car) and pays the insured the value insured less depreciation.

Insurance premium is usually paid on an annual basis from the inception of the policy. Where this is not practicable, payment can be made in installments. However, when a loss or damage occur, the insured will be expected to pay the premium for the remaining period before the claim can be settled and the policy is then extended to a full year cover.

Betterment is an improvement on your car that makes the car better than it was before a loss. Insurance is intended to put the insured back in the position he was just before a loss, without any extra gain or benefit whatsoever. E.g. Painting the whole car rather than just the affected part, in which case a certain percentage of the cost will be borne by the insured.

Sanlam General Insurance pays for the towing of the damaged vehicle up to the following limit:

N15,000.00 Intra state

N20,000.00. Interstate.

In the event of a total loss under your policy, the insurer shall pay up to the value insured less the depreciated value of the asset (depreciation or Total loss clause). This usually applies as stated below:

Up to 3 months - 2.5%

Above 3 months up to 6 months - 5.0%

Above 6 months up to 9 months - 7.5%

Above 9 months up to 1 year - 10%

The claim should be notified immediately or within 30 days of the occurrence of the accident or loss.