Absolutely the most failed Company, fails their clients, my diseased ex husbands anuity policy is still not paid out after 5 months of filling documents for the claim now Sanlam wants to tax two amounts which is under 500k for the claims which is unlawful ! In the meantime my kids do not have any support because of Sanlam failing to pay the Claim, Sanlam should be embaressed Please do not use Sanlam for any policies ! You dont get your money they should be ashamed !!!!