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I wish to classify Sanlam's service as "****************", at sales stage they makeup all these fancy policy features and benefits stories, that will arouse your interest, when it gets to them to deliver its a total different story. My mother opted for a funeral cover which she was convinced that it will incorporate a cash back benefit after 5 years should there be no claims recorded. it has been 10 years now with no claims recorded, when we called in for a cash back, we were informed that such funeral cover did not have cash back benefit option, which that for me its nonsense!!!, as they have recovered an amount that is 3 times the cover amount of the policy by far, with not even one claim, and this is the kind of response we are getting from them. They are really pathetic!!!, an insurance ombudsman case is forthcoming, I hope they are ready.