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The information on the Adviser and Institutional areas of this site have been tailored for investment professionals. Appropriate product, fund and service information for private investors can be accessed on the Personal area of our site. Terms & conditions.

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Annuities

Have peace of mind throughout retirement by receiving a regular, guaranteed income for life.

Our annuities provide regular, usually monthly, payments to pensioners for the rest of their lives, based on the savings accumulated up to retirement. The payments can remain unchanged or be increased once a year with increases that are a fixed percentage or linked to either inflation or the performance of an underlying investment portfolio.

Payments can be made for a guaranteed period, regardless of survival of the pensioner, and can allow payments to be made to a spouse or child after the death of a member. An annual 13th cheque can be included.

Our Annuity Solutions

Suitable for investors who
  • Want a guaranteed pension payout, which cannot decrease, for the rest of their lives.
  • Want to receive a transparent increase based on a defined formula.
  • Want a high equity component (50%) that will give them higher expected increases in future.
  • Want increases strictly based on the performance of the indices, ensuring that the guarantees of a 0% minimum are met.
  • Want a product that has outperformed Sanlam’s current with profit annuity and its competitors.
What the product aims to achieve

Offers a transparent retirement fund solution to better meet the needs of pensioners by using a simple formula to determine annual increases in pension amount, with a guarantee that the pension will never decrease.

More information
Suitable for investors who
  • Want a guaranteed pension payout, which cannot decrease, for the rest of their lives.
  • Want to have more stable increases in different economic conditions than they would get with-profit annuities.
What the product aims to achieve

Guarantees to pay out the current level of pensions, plus increases over the rest of pensioners’ lives by reducing the guarantee fee to zero while investing the remainder of the assets to maximise increases.

More information
Suitable for investors who
  • Want a guaranteed pension payout, which cannot decrease, for the rest of their lives.
  • Want their pension to increase in line with Consumer Price Inflation, to achieve a real income over time.
  • Want a flexible increase date.
  • Want a 13th cheque in any chosen month.
What the product aims to achieve

Provides a guaranteed monthly pension with annual increases equal to inflation for the rest of pensioners’ lives; the increase is equal to the Consumer Price Index, lagged by four months.

More information
Suitable for investors who
  • Want a guaranteed pension payout, which cannot decrease, for the rest of their lives.
  • Want their pension to increase by a predetermined percentage each year.
  • Want a flexible increase date.
What the product aims to achieve

Provides fixed rate increases or level annuities for the rest of pensioners’ lives.

More information
Suitable for investors who
  • Want a guaranteed pension payout, which cannot decrease, for the rest of their lives.
  • Want to know that increases, once added, cannot be taken away or reduced.
What the product aims to achieve

Allows pensioners to share in the investment returns earned on the underlying annuity portfolio through annual pension increases.

More information

 

E-nnuity - this is a unique and innovative online quotation programme that provides instant retirement planning quotations. Accredited financial advisors can generate multiple quotations for retirement fund members at the "push of a button". These quotations are based on real-time values from across the range of annuity products that Sanlam Employee Benefits offers.

Please note that only FAIS-accredited financial advisors or brokers may register to use E-nnuity.

Login to E-nnuity

General downloads for more information

Provides detailed information about how we manage our discretionary participation funds.

Provides confirmation that our guaranteed long-term policies may be excluded from the asset limits set in Regulation 28.

Provides an explanation of the factors taken into account in declaring bonus increases, and provides an overview of the with-profit annuity portfolio and how these annuities operate.

We can provide the protection you’re looking for.

Contact us to develop a solution that works for your fund.

Sanlam Life Insurance is a licensed financial service provider.
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