If you hope to plan ahead for a funeral. Funeral Plan

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1 If you hope to plan ahead for a funeral Funeral Plan

2 Death is part of life. It may not be a thought that crosses your mind often, but what do you hope for when you have to consider your funeral? Surely you are hoping that your funeral will not cause your family any financial hardship? And that they will also have the dignified funerals they deserve? With the Funeral Plan from Sanlam that has an optional saving element, you can plan ahead for a dignified funeral and provide your family with peace of mind. Start with what you hope for by planning and saving today.

3 What is the Funeral Plan? The Sanlam Funeral Plan gives you a choice and an opportunity to save. It is an individual life policy that provides funeral cover for the principal life assured, their spouse, children and wider family members if they are also covered. This plan offers many different benefits that are packaged in such a way to make it easy for you to choose the right package, based on your financial needs and family situation. This plan offers a Fixed Term Savings Benefit, which is an optional savings plan that enables you to save while paying your funeral plan premiums. There are two fixed saving terms: 10 and 15 years. This money will be paid to you at the end of your chosen term. Saving money is never easy, but with the Sanlam Funeral Plan, you can plan for your funeral while saving for your future. What are your Funeral Plan options? You can choose a Funeral Plan Package that meets your needs and suits your financial budget from these four packaged options: Essential Funeral Plan Package Funeral cover: Cover for you, your spouse, your children, your parents and wider family. Unemployment and Pregnancy Payment Holiday: If you become pregnant or unemployed, we will give you a 12 month break from paying premiums (the cover will be limited over that period). Once you start paying premiums again, the policy and all the benefits will restart with no new qualifying periods. Burial Repatriation Benefit: We shall provide transportation for the deceased to any funeral home or burial place in South Africa. We will also pay for accommodation for one night for the person travelling with the corpse if needed. Inflation Protector: To make sure your benefits stay valuable in the future, your premium and cover increases every year to keep up with inflation.

4 Executive Funeral Plan Package This package includes all the benefits of the Essential Funeral Package PLUS the following: No More Premiums Benefit Death: If you die before your 65 th birthday, all family members on the plan will continue to be covered without making any further payments until the age of 65 years of the principal life assured (Deceased). In the first 3 years of the plan, this benefit only applies if you die in an accident. No More Premiums Benefit - Defined Disability: If you become disabled before your 65 th birthday, this benefit will pay your premiums until you reach 65 or until you die. In the first 3 years of the plan this benefit only applies if you become disabled in an accident. HIV Prevention Benefit: This makes sure you receive the correct treatment to help prevent you becoming HIV positive after a traumatic event provided you apply for it. Legal Assistance Benefit: 24 hour access to a legal hotline to help you with legal advice. Double Accident Benefit: If you or your family member should die in an accident, the cover amount will be doubled.

5 Classic Funeral Plan Package This package includes all the benefits of the Executive Funeral Package PLUS the following: Family Income Benefit: You can choose to have 6 monthly payouts at a rate of 10% of the cover amount or 12 monthly payouts at a rate of 5% of the cover amount paid to your dependants after your death. Loyalty Benefit: you will receive the first 12 months premiums paid back to you in every 5 year cycle. Premier Funeral Plan Package This package includes all the benefits of the Essential Funeral Package and the Executive Funeral Package PLUS the following: No More Premiums Benefit Retirement: When you turn 65 you no longer have to pay premiums, but you still get to enjoy full cover. No More Premiums Benefit Retrenchment: If you get retrenched you will not have to pay any premiums for 6 months, but you will still receive your full benefits. Cash Back Benefit: We shall give you 12 months worth of premiums back after every 5 years if you have not claimed at all during those years. How much do you pay per month? The minimum premium you pay is as little as R80 per month.

6 Choose the level of cover that suits your needs * There are 9 cover levels for you to choose from. Plan Cover Level Plan 1 R5 000 Plan 2 R7 500 Plan 3 R Plan 4 R Plan 5 R Plan 6 R Plan 7 R40 000** Plan 8 R50 000** Plan 9 R60 000** * Children aged 6 or younger may not be covered for more than R10 000; and cover for children between 6 and 14 years may not exceed R ** The R R cover levels are only available to principal life assured and spouse. Please note that adults over the age of 65 years at entry age are covered to a maximum of R

7 Fixed Term Savings Benefit Regardless of which one of the four packaged options you may have taken, you have a choice to add the Fixed Term Savings Benefit. The benefit amount is worked out in units of R10 every month, over and above your monthly premium. The savings portion is invested in an Absolute Return Fund and this money is paid out to you at the end of your chosen term. If you die before the term ends, the money is paid out to beneficiaries that you would have chosen. What are the qualifying periods? A qualifying period is a time which has to pass before the assured lives qualify for certain benefits they are covered for. There is no qualifying period on the following benefits: Accidental death Defined disability caused by an accident Unemployment and Pregnancy Payment Holiday Burial Repatriation Benefit HIV Prevention Benefit Legal Assistance Benefit There is a 6 month qualifying period on the following benefits: Funeral Cover Family Income Benefit No More Premiums Benefit Retrenchment Contact us For more information on this or other Sanlam solutions, phone , visit ww.sanlam.co.za or speak to your Sanlam broker or a sales consultant in your area. Any product description contained in this material is for promotional purposes only and is not binding on Sanlam Developing Markets Limited. Sanlam Developing Markets Limited is a Licensed Financial Services Provider.

8 TR2226 For More Information Telephone: LICENSED FINANCIAL SERVICES PROVIDER