Select your family's funeral cover needs:  
FAMILY MEMBERS MEMBER'sAGE   AMOUNT   PREMIUM BREAKDOWN   QUICK QUOTE Sanlam Traditional Funeral Plan Sanlam Priority Funeral Plan Sanlam Tribute Funeral Plan Sanlam Prestige Funeral Plan  
Principal Life (You)
Your spouse
                  Funeral Cover YES  
YOUR CHILDREN             Premium Paid-up YES  
Burial Repatriation Benefit YES
Unemployment & Pregnancy Payment Holiday YES
Escalations YES
Temporary Premium Support Benefit – Death YES
No More Premiums - Death
No More Premiums Benefit – Defined Physical Impairment
YOUR PARENTS                      
Double Accident Benefit
No Premiums - Retirement
NoPremiums - Retrenchment
Memorial Benefit
                  Grocery Benefit    
YOUR WIDER FAMILY             Cash Back Benefit YES  
Risk Premium
Savings Benefit
Total Premium:
 
     
YOU CAN ADD VOLUNTARY ADDITIONAL SAVINGS:    
ADDITIONAL MONTHLY SAVING
             
             
 
     
       
                                         
PRODUCT NAME Sanlam My Choice Funeral Plans  
 
 
 
      * (You can stop these increase at anytime)  
INSURED LIFES  
PRINCIPAL LIFE  
SPOUSE  
CHILDREN  
       
PARENTS  
       
WIDER FAMILY  After 1 st  3 year period  
       After 2 nd 3 year period  
THE BENEFITS  
Funeral Cover
Savings Benefit
This benefit pays out the cover amount when any of your loved ones covered on the policy die.
This is an optional benefit allowing you to save as little as R10 per month from 5 up to 15 years. If you die, the money will be paid out to your chosen beneficiaries.
We will pay if:
• The death of any covered person is by accident from the date cover starts
On maturity we will pay:
• The greater of the fund value and the sum of all the savings premiums paid, less allocation charges, less any payments from the fund (partial surrenders) which is the  Guaranteed Maturity Value (GMV)*.
• Any person covered dies from natural causes after six months from the start of cover
• Claims for stillbirths that happen after the 28th week of pregnancy (if the mother is covered as the policyholder or the spouse) 
Restriction period:
• During the first 5 years you are allowed to withdraw a portion of your investment by requesting a part surrender.
We will not pay if:
• Any person covered dies from natural causes within six months from the start of cover.
• Legislation allows you to make only one part surrender from your policy in the first 5 years.
• The part surrender may not be more than your premiums paid plus 5% and any remaining balance must remain invested up until the restriction period ends.
Premium Paid-up
Pays premiums for you when the lives on the policy reach a certain age and have paid premiums for at least 15 years.
• If at any time, you increase your premiums by more than 20%, a new restriction period will apply on the increased premiums and run together with the initial restriction period.
We will keep your policy active:
• For all people covered on your policy in the month you turn 75, if you have paid premiums for at least 15 years
• After the restriction period, you are allowed to make as many withdrawals as you want.
We will not:
• Allow cover increases on the policy within 5 years before this benefit starts and while it is active
• You can also make your Savings Benefit paid-up when you notify us that you want to stop paying premiums, but your existing investment remains fully invested in the fund.
• Pay the Savings Benefit premium
• Allow new lives to be added when this benefit is active.
*The Guaranteed Maturity Value (GMV) is the sum of all thepremiums paid, less all charges and fees, less any payments from the investment value (partial surrenders).
Burial Repatriation Benefit
You can get transport for the deceased covered on the policy and other benefits relating to funeral arrangements.
Exclusions for all benefits except for Savings Benefit:
We will provide:
Sanlam will not pay a benefit if it is as a direct or indirect result of active participation in war, invasion, acts of foreign enemies, hostilities, illegal strikes, warlike operations (whether war be declared or not), civil war, rebellion, revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising or riot, military or usurped power.
• Transport for the deceased covered on the policy from South Africa, Namibia, Zimbabwe, Botswana, Swaziland, Lesotho and Mozambique
• Travel and overnight accommodation for a family member accompanying the deceased
• Counselling for family members of the deceased
• Funeral arrangement advice
Escalations
• Help with claims and death certificates
This helps you keep up with the rising costs of living by increasing your premium and cover. After the start of the policy, you can change your premium and cover increases. You can also change or stop the increases anytime by giving Sanlam notice.
Unemployment and Pregnancy - Payment Holiday
This benefit will keep your policy active for up to 12 months if you are unemployed or if you fall pregnant.
We will:
• Keep your policy active for up to 12 months without you paying monthly premiums if you become unemployed or you fall pregnant
• Pay R5 000 during this time if you die in an accident and had Funeral Cover
• Allow this holiday once during the lifetime of the policy
• Offer the use of the Burial Repatriation Benefit for all people covered on the policy during the payment holiday
We will not pay:
• Any other benefits during the payment holiday
• The Savings Benefit premium during the period this benefit is active
Cash Back Benefit
This benefit pays out a portion of your premiums as often as every three years, rewarding you for keeping your policy active. 
We will pay:
We will not pay:
• If your policy is active and you are paying premiums
• If your policy is active but no longer paying premiums (for example, Paid Up status, No More Premiums Benefit, Unemployment or Pregnancy Holiday is active) 
• Every 3 years from the start of the policy
  EXAMPLE OF HOW THE CASH BACK IS CALCULATED Sanlam Traditional Funeral Plan Sanlam Priority Funeral Plan Sanlam Tribute Funeral Plan Sanlam Prestige Funeral Plan    
Number of premiums from the start of the 3 year cycle that are paid back 2 2 6 6
Sample initial monthly funeral premium (no Savings Benefit) R100.00 R100.00 R200.00 R200.00
Escalation  5% 10% 5% 10%
Premium at start of second 3 year cycle (start of year 4)  R115.76 R133.10 R231.53 R266.20
First Cash Back Benefit amount (paid at end of year 3)*  R200.00 R200.00 R 1 200.00 R 1 200.00
Second Cash Back Benefit amount (paid at end of year 6)**  R231.53 R266.20 R 1 389.15 R 1 597.20
Cost as a % of policy premium***  Less than 10% Less than 10% 10% Less than 10%
Even if you haven't paid all your premiums, but your policy is still active on the day the Cash Back Benefit is due, we will pay the amount below less the premiums that you have missed.
* This will be the amount paid back if there are no missed premiums, no alterations on the policy and no one dies.
** This will be the amount paid back if there are no missed premiums, no alterations on the policy, no one dies and all escalations are paid.
*** The approximate cost of this benefit is calculated, based on the latest available information for an average policy.