This company is the WORST of all insurance companies. Let the name not fool you or the brand they have built for themselves by stealing people's money. Please read reviews thoroughly before taking any insurance with them. The agents will lie, literally lie to you, and once you sign the policy and start making contributions you are doomed. I was contributing for 3 and half years without defaulting. I was even advised to wait 3 years so that I can be able to get a surrender value if need be. Now the story has changed and they are taking close to 80% of my money in the name of penalizing me for wanting to cancel the policy. Remember, I am not a defaulter. My hard-earned money of 3 and half years down the drain just like that. I was also not contributing little money. Please DO NOT TAKE ANY POLICIES WITH SANLAM. You will cry and cry until it hits you, you have been ROBBED and there is nothing you can do. Can you imagine if they've done this to even 10 people? They are operating a company on peoples hard earned coins and stealing in broad daylight. Please please potential client, AVOID SANLAM if you do not want to cry. You would rather leave your money in a BANK, under a mattress or even enjoy all of it, because SANLAM WILL STEAL YOUR MONEY. SHAME ON THEM. I can't believe they are allowed to operate like this. TOTALY DISGUSTED BY THEM. AVOID AVOID AVOID