Sanlam requires a Personal Health statement completed by the member initially. Underwriting takes up to 12 working days and based on the information provided, further medicals may be requested.

Medicals are requested for all members where there is no proof free limit or where benefits exceed the proof free limit. TSA will request and remind for up to 3 months following the need for medicals arising, thereafter, benefits will be restricted until medicals are received.

With regard to the payment of premiums, Sanlam require full premiums unless a member has been medically declined or after three months on groups with no proof free limit as it is at this point that the accidental death benefit expires. If a member has been medically restricted, a restricted premium is arranged.

Should you require more information, please contact your Associate or the office.

Thank you and regards,

The TSA Team

You’ll find all back issues of TSA Connect by visiting our blog and you can do that by clicking here. All information provided in TSA Connect newsletters is intended to inform and explain, but please remember to always check the current terms on policies when considering options and advising clients.