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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

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

Sanlam Personal Finance

Sanlam Sky Solutions

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 Trust – estate and trust services
  • Multi-Data – electronic money-transfer activities
  • Sanlam Healthcare Management – medical scheme administration services
  • Sanlam Personal Loans – 70% – personal loans joint venture
  • Reality – loyalty programme

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. SEM has businesses in Botswana, Namibia, Malawi, Kenya, Rwanda, Tanzania, Zambia, Ghana, Nigeria, Uganda, Mozambique, India and Malaysia and has an indirect presence via our associate companies in The Gambia, Burundi, Lesotho, Swaziland and the Philippines.

Sanlam has a 46,6% stake in Saham Finances, the insurance arm of the Saham Group. As the largest insurance group in Africa outside of South Africa, Saham Finances is the market leader in most of the 26 countries in which it operates. Its unique service offering to private individuals, professionals and companies include life insurance, general insurance, reinsurance, third-party administration in the healthcare space, and assistance.

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
  • MiWayLife – comprehensive life and funeral cover
Sanlam Life Insurance is a licensed financial service provider.
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