Sanlam doesn't care about their clients.

If you can, avoid dealing with Sanlam. They are quick to take your money and to cancel your policy if you don't pay. But try and make a change to your policy and it takes pages and pages of confusing documents and try and call them! You will spend hours holding on. A change of beneficiary took 4 weeks! A change to some benefits is still ongoing after sending reams of documents. Rather deal with a company that does things quickly and easily and treats their customers with respect, not gives them the run-around for a month.