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Enables homeowners to maintain monthly bond repayments in the event of illness, disability + death. From only R80 a month.


How Much Life Cover?

Not having enough life cover is just as dangerous as having no life insurance at all but how much do you actually need?


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Life Assurance South Africa


Matrix Risk Life Cover


What type of Life Cover do you need?  How much Risk Cover do you need?  How long will you need Risk Cover for?


Your answers will determine what mix and quantities of life insurance, disability cover, dread disease cover and accident cover you need.  This correct mix, and the ability to change it as your circumstances change, is crucial for sufficient risk protection.


Sanlam's Matrix Risk Cover consists of independent and separate risk cover benefits, enabling you to select (and pay for) only the life cover that you need.  These risk cover benefits are:


Life Cover

Disability Insurance

Functional Impairment Cover

Dread Disease Cover

Accident Cover


As your circumstances change and your needs evolve, you simply add or remove the benefits attached to your single risk protection plan.  No need to buy other policies or terminate existing ones.


Further advantages Matrix Risk Cover offers are that you may: 

  • take out risk cover on its own, without your cover being attached to any savings or investment option, leaving you free to manage your risk cover portfolio and savings or investments portfolio independently of one another.

  • change, add to, or reduce the type of risk cover you have as and when your needs change during life. 

You can cover more than one life on a single policy, each with its own combination of benefits.  Yet probably the most innovative feature is Matrix Risk Cover's unique Functional Impairment Benefit. This is a form of risk cover against an injury or illness that may leave you with certain physical limitations, compared to that of a healthy person.  It insures against the loss or impairment of function and not against inability to continue working.


Also see

Accident Cover

Retirement Annuity

Stratus Endowment Policy

Dynamic Wealth Investments




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