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​​​​​​​​​​​​​​​​Our Businesses

The Corporate Office of the Sanlam Group is responsible for centralised functions that include strategic direction, Group financial and risk management, Group marketing and communications, Group human resources and information technology, Group sustainability management, corporate social investment and general Group services.

In addition, the Sanlam Group operations​ are managed through four operating clusters:​

  • Sanlam Personal Finance
  • Sanlam Emerging Markets
  • Sanlam Investments
  • Santam
  • Sanlam Corporate

The core businesses within each cluster are as follows (wholly owned unless otherwise indicated):

Sanlam Personal Finance

Sanlam Sky

Financial services for individuals and groups in the entry-level market

Sanlam Individual Life

Financial services to the middle-income, professional and business-owner markets


Financial services for the affluent market

Strategic business development

Consists of the following diversified financial services:

Sanlam Emerging Markets

Sanlam Emerging Markets (SEM) is responsible for Sanlam's financial business services (life assurance, general insurance, banking, credit, health, bancassurance and asset management) in emerging markets outside South Africa. Its objective is to ensure sustainable delivery and growth across the various businesses that make up this cluster.

As part of the Group's vision, it strives to lead wealth creation in these markets. Through SEM, Sanlam has a direct presence in 33 countries across Africa, which stretches from the Cape to the Maghreb and East and West Africa, giving it unmatched access to the continent's insurance market.

Here's more on Sanlam Emerging Markets' businesses.

SEM provides retail and group life insurance in various emerging market countries, which currently include the following:

SEM is involved in providing credit and banking facilities and services through a number of companies outside South Africa, which include:

Through partnerships with Sanlam Investment Management and Botswana Insurance Holdings Limited, SEM provides investment management services in the following emerging market countries:

In partnership with Santam, SEM is jointly responsible for managing general insurance business through:

Sanlam Investments

Asset management

Wealth management

International investments


Sanlam has an effective 60% interest in Santam, which in turn operates through the following businesses:

  • Santam Insurance – traditional and specialist lines intermediated business
  • Santam Re – reinsurance in emerging markets
  • MiWay – short-term insurance solutions to clients through a direct distribution channel

Sanlam Corporate

Sanlam Corporate is a recently formed business, targeting chosen corporate clients and offering financial solutions underpinned by:

  • Employee benefits (providing risk and investment solutions and administration services to institutions and retirement funds)
  • Health solutions and products
  • Institutional offerings sourced from other clusters

Sanlam Employee Benefits

  • Sanlam Group Risk
  • SEB Investments
  • Sanlam Umbrella Solutions
  • Sanlam Retirement Fund Administration
  • Simeka Consultants and Actuaries
  • Sanlam Employee Benefits – provides risk and investment solutions and administration services to institutions and retirement funds

Sanlam Healthcare

Sanlam Life Insurance is a licensed financial service provider.
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