SANLAM CASH BONUS

I have three funeral cover policies with Sanlam. I covered my family members, when I called to find out about cash back bonus I was told that I can claim for one of the members. I then went to Sanlam in Embassy Building(Durban) to claim and only to be told that I do not qualify. They said only the person who's covered can come and claim. Last week I asked my sister to go and claim and she was told that only next year her policy will be able to apply for cash back. This policy is over five years and haven't claimed so basically when they promise about cash back bonus it's something that people should not consider or get excited about. I was even told that only R750 can be paid and now they say come next year.