server . please enable scripts and reload this page . turn on more accessible mode turn off more accessible mode skip ribbon commands skip to main content turn off animations turn on animations sign in sanlam homecurrently selected 123obabout category companycatalogitem companysanlam globalinvestor relations articlesawardsbenefitstatementblog articles the big budget swap of 2016smart maternityconspicuous spending changing our money mindsets how our emotions affect our spendingwhat it s like to meet with a financial adviser newsletter newsletter articles searchsubscribe subscribe to newslettersubscribe success bluestar 3sixty bluestar aboutbusinesscontactmarketsmedia centrepersonalservicesbraddefault abacon bluestar aboutbusinesscontactmarketsmedia centrepersonalservicesbraddefault adelaar bluestar aboutbusinesscontactmarketsmedia centrepersonalservicesbraddefault adjuvo bluestar aboutbusinesscontactmarketsmedia centrepersonalservicesbraddefault aequa mente bluestar aboutbusinesscontactmarketsmedia centrepersonalservicesbraddefault agathos bluestar aboutbusinesscontactmarketsmedia centrepersonalservicesbraddefault albatros bluestar aboutbusinesscontactmarketsmedia centrepersonalservicesbraddefault alpha waarde bluestar aboutbusinesscontactmarketsmedia centrepersonalservicesbraddefault alv bluestar aboutbusinesscontactmarketsmedia centrepersonalservicesbraddefault ambassador wealth bluestar aboutbusinesscontactmarketsmedia centrepersonalservicesbraddefault amica sti bluestar aboutbusinesscontactmarketsmedia centrepersonalservicesbraddefault amicable bluestar aboutbusinesscontactmarketsmedia centrepersonalservicesbraddefault antaris bluestar aboutbusinesscontactmarketsmedia centrepersonalservicesbraddefault aquila wealth bluestar aboutbusinesscontactmarketsmedia centrepersonalservicesbraddefault aquilo volo bluestar aboutbusinesscontactmarketsmedia centrepersonalservicesbraddefault arcani bluestar aboutbusinesscontactmarketsmedia centrepersonalservicesbraddefault artos bluestar aboutbusinesscontactmarketsmedia centrepersonalservicesbraddefault atlantic pbs bluestar aboutbusinesscontactmarketsmedia centrepersonalservicesbraddefault authentic bluestar aboutbusinesscontactmarketsmedia centrepersonalservicesbraddefault auxilium bluestar aboutbusinesscontactmarketsmedia centrepersonalservicesbraddefault brokerservicesnewbrowser service unavailablepage not found business owners articles economic overviewlabour newsit tips and tricksgood news storybusiness tipssanlam trust business tools 1 2 3 of businessbusiness fitness analysisfinancial planning calculatorshow to buy a small businesscreating a business planthe business turnaround bookyour annual business game plan for success1 2 3 of business self employed professionals 1 2 3 of business business owners financial fitness analysis buy and sellfinancial planning reviewkey person insurancemedical aidretirement for business ownersretirement for employeesself employed professionals business adviceemployee wellbeingpersonal and family insurancebusiness continuity and risk managementbusiness operations sign suretysmall and medium businesses business advicepersonal and family insurancebusiness operationsbusiness continuity and risk managementemployee wellbeing start ups getting startedbefore you startcreate your business planwhy you need a business mentorfinal checklist businessblog articles entrepreneurship in their bloodsimple budgeting is better for a tough trading environmentwaste want a business that empowers the homelessshooting yourself in the foot with social mediaplanning for the worst case scenarioessential financial planning solutionsfinancing for business ownersmoonlightingfresh startclient knowledge can improve saleswhy you should evaluate the packaging of your value propositiongive before you expect to receiveprobation and fixed term contractsthe downturn in business profits and its implicationszero tolerance in the workplacethe spinach king of khayelitsha a story of personal victories entrepreneurship and caring for a community but i m not good at sales volunteer workerswhat are you saying hidden life stage selling opportunities artikels entrepreneurskap in hulle bloedbeplan vir n nagmerrie scenariowaste want n besigheid wat haweloses bemagtigbyverdienstesdie afswaai in besigheidswinste en die implikasies daarvanwaarom n evaluasie van die verpakking van jou waarde aanbod nodig isgee voordat jy verwag om te ontvangkennis van jou kliente kan verkope verbeterproeftydperke en vastetermynkontrakteskiet jouself in die voet met sosiale media n vars beginzero toleransie in die werkplekdie spinasiekoning van khayelitsha n storie oor persoonlike oorwinnings entrepreneurskap en gemeenskapsorg vrywillige werkersverborge verkoopsgeleenthede tydens verskillende lewenstadiarentekoers verligting in die vooruitsig wat is die optimale regstruktuur vir jou besigheid jaarlikse verlof wat tydens kraamverlof oploopvan n internetkafee in n stowwerige township tot n bekroonde besigheiddie maak van blinde oproepe is n mors van tyd newsletter newsletter articles searchsubscribe subscribe to newslettersubscribe success businessfinancebusinessplanbookcampaigns 1000 daysai academy careers balanced fundbold vs cautiouscape town marathonchild benefitconspicuous savingernie els experience termsandconditions glacier risk summit homeconference speakers cape townconference speakers johannesburgglacier risk summit johannesburg i3 summit i3 summit 2014i3 summit speakers institutional insights institutional insights 2014institutional insights 2015institutional insights speakersvideos test investment intel addtocalendarconference speakers investmentsacademy careers itrademoneywebchallengejoint forum pack member communicationquarterly investment updates to the joint forum letters to santalife surprises mzolisadiasantie my retirement fund medianewsflashretirement and related benefitsdisability income premiums not deductiblelump sum of one thirdsame tax treatment for different funds myretirementapp employersmyretirementapp intermediaries careers career opportunities financial adviserslearnerships for people with disabilitiesvacation work development programmesanlam broker distributionemployee testimonialscurrent opportunitiesgraduates graduate recruitment programme thank youfinancial tips cv tipshow we recruitdevice policyworking at sanlam claims funeral claimsbenefit claimsemployee benefit claimsdeath claims cobaltsmscommitment commitment blank balancegrowthconnectivityrewardsleadershipreputation term and conditionsbe active challengeblue step boogie complete med gap covermedical scheme options for individualsmedical scheme options for employees contact compliments and complaints thankyoucompliments and complaints form get advice contact your adviserrequest a new adviser sanlam business directoryurban client care officesregional client care offices sanlam home sanlam home it looks like your browser does not have javascript enabled . please turn on javascript and try again . sanlam personal insurance life insurance disability cover critical illness income protection funeral cover medical aid gap cover short term insurance financial planning choosing a financial planner financial planning process life stages wills & trusts retirement saving for retirement retirement preservation retirement income investments investing for growth international investments education planning unit trusts share trading tax free investments wealth sanlam private wealth glacier by sanlam professionals & graduates sanlam reality programme personal loans calculators sanlam bluestar blog business buy and sell solution business debt insurance key person insurance retirement for business owners retirement for employees business blog why a financial planning review small and medium businesses business operations business advice business continuity and risk management employee wellbeing personal and family self employed professionals business operations business advice business continuity and risk management employee wellbeing personal and family start ups before you start getting started create your business plan why you need a business mentor final checklist business tools financial fitness analysis 1 2 3 of business business fitness analysis financial planning calculators how to buy a small business creating a business plan the business turnaround book your annual business game plan for success articles economic overview business tips labour news sanlam trust good news story institutional insurance group risk benefits financial planning consulting solutions retirement retirement fund administration umbrella solutions protection focused solutions investments active management multi management passive management capital management international protection focused solutions electronic financial transaction services electronic funds transfers markets sanlam share price market indicators local offshore commodities currencies daily prices & fund values fund fact sheets national budget speech media expert opinions institutional commentary media releases economic commentary ekonomiese kommentaar operational updates media contacts newsletters about vision and values leadership team directors company structure history awards & achievements responsible business sanlam emerging markets wealthsmiths investor relations financial results reports share information careers working at sanlam career opportunities how we recruit sponsorships kids design and culture sport business media awards sanlam bluestar individual investors financial planners contact contact sanlam client care offices get advice compliments and complaints sanlam business directory worldwide south africa south africa home sanlam investments sanlam private wealth glacier by sanlam sanlam bluestar rest of africa sanlam namibia sanlam mozambique sanlam tanzania sanlam uganda sanlam swaziland sanlam kenya sanlam zambia europe sanlam uk sanlam private wealth uk sanlam securities uk sanlam four sanlam asset management ireland global global investment solutions investor relations investor relations home share information our businesses search login secure services sanlam private wealth glacier secure services sanlam collective investments sanlam individual life sanlam itrade retirement fund web reality santam back back back back worldwide south africa south africa home sanlam investments sanlam private wealth glacier by sanlam sanlam bluestar rest of africa sanlam namibia sanlam mozambique sanlam tanzania sanlam uganda sanlam swaziland sanlam kenya sanlam zambia europe sanlam uk sanlam private wealth uk sanlam securities uk sanlam four sanlam asset management ireland global global investment solutions investor relations investor relations home share information our businesses personal personal insurance life insurance disability cover critical illness income protection funeral cover medical aid gap cover short term insurance financial planning choosing a financial planner financial planning process life stages wills & trusts retirement saving for retirement retirement preservation retirement income investments investing for growth international investments education planning unit trusts share trading tax free investments wealth sanlam private wealth glacier by sanlam professionals & graduates sanlam reality programme personal loans calculators sanlam bluestar blog business business buy and sell solution business debt insurance key person insurance retirement for business owners retirement for employees business blog why a financial planning review small and medium businesses business operations business advice business continuity and risk management employee wellbeing personal and family self employed professionals business operations business advice business continuity and risk management employee wellbeing personal and family articles economic overview business tips labour news sanlam trust good news story start ups before you start getting started create your business plan why you need a business mentor final checklist business tools financial fitness analysis 1 2 3 of business business fitness analysis financial planning calculators how to buy a small business creating a business plan the business turnaround book your annual business game plan for success institutional institutional insurance group risk benefits financial planning consulting solutions retirement retirement fund administration umbrella solutions protection focused solutions investments active management multi management passive management capital management international protection focused solutions electronic financial transaction services electronic funds transfers markets markets sanlam share price market indicators local offshore commodities currencies daily prices & fund values fund fact sheets national budget speech media media expert opinions institutional commentary media releases economic commentary ekonomiese kommentaar operational updates media contacts newsletters about about vision and values leadership team directors company structure history awards & achievements responsible business sanlam emerging markets wealthsmiths investor relations financial results reports share information careers working at sanlam career opportunities how we recruit sponsorships kids design and culture sport business media awards sanlam bluestar individual investors financial planners contact contact contact sanlam client care offices get advice compliments and complaints sanlam business directory login secure services sanlam private wealth glacier secure services sanlam collective investments sanlam individual life sanlam itrade retirement fund web reality santam worldwide south africa south africa home sanlam investments sanlam private wealth glacier by sanlam sanlam bluestar rest of africa sanlam namibia sanlam mozambique sanlam tanzania sanlam uganda sanlam swaziland sanlam kenya sanlam zambia europe sanlam uk sanlam private wealth uk sanlam securities uk sanlam four sanlam asset management ireland global global investment solutions investor relations investor relations home share information our businesses search call centre 0860 sanlam 0860 726526 general enquiries 27 0 21 947 9111 website www.sanlam.co.za personal business institutional personal insurance life insurance disability cover critical illness income protection funeral cover medical aid & gap cover short term insurance financial planning choosing a financial planner financial planning process life stages wills trusts and estates personal loans retirement saving for retirement retirement preservation retirement income investments investing for growth international investments education planning unit trusts share trading tax free investments wealth sanlam private wealth glacier by sanlam business smes business operations business advice business continuity and risk management employee wellbeing personal and family professionals business operations business advice business continuity and risk management employee wellbeing personal and family start ups before you start getting started create your business plan why you need a business mentor final checklist business tools financial fitness analysis 1 2 3 of business business fitness analysis creating a business plan the business turnaround book your annual game plan for success articles economic overview business tips labour news sanlam trust good news story institutional insurance group risk benefits financial planning consulting solutions retirement retirement fund administration umbrella solutions protection focused solutions investments active management multi management passive management capital management international protection focused solutions efts electronic funds transfers invest advice service invest online back email us call me back email us back email us call me back email us email us recentcurrently selected123obabout category companycatalogitem companysanlam globalinvestor relations articlesawardsbenefitstatementblog articlesnewslettersearchsubscribe bluestar 3sixty bluestarabacon bluestaradelaar bluestaradjuvo bluestaraequa mente bluestaragathos bluestaralbatros bluestaralpha waarde bluestaralv bluestarambassador wealth bluestaramica sti bluestaramicable bluestarantaris bluestaraquila wealth bluestaraquilo volo bluestararcani bluestarartos bluestaratlantic pbs bluestarauthentic bluestarauxilium bluestar brokerservicesnewbrowser service unavailablepage not found business owners articlesbusiness toolsbuy and sellfinancial planning reviewkey person insurancemedical aidretirement for business ownersretirement for employeesself employed professionalssign suretysmall and medium businessesstart ups businessblog articlesartikelsnewslettersearchsubscribe businessfinancebusinessplanbookcampaigns 1000 daysai academybalanced fundbold vs cautiouscape town marathonchild benefitconspicuous savingernie els experienceglacier risk summiti3 summitinstitutional insightsinvestment intelinvestmentsacademyitrademoneywebchallengejoint forum packletters to santalife surprisesmy retirement fundmyretirementapp employersmyretirementapp intermediaries careers career opportunitiesgraduate recruitment programmecv tipshow we recruitdevice policyworking at sanlam claims funeral claimsbenefit claimsemployee benefit claimsdeath claims cobaltsmscommitment commitment blankterm and conditionsbe active challengeblue step boogie complete med gap covermedical