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Cancel Sanlam: Easy Method
What is Sanlam Nigeria
Overview
Sanlam Nigeria (often presented with SanlamAllianz branding on public pages) is a provider of life and funeral insurance products and related financial services in Nigeria.
The company offers retail plans such as the FlexiSave Plan and family funeral covers and publishes customer self‑service guidance and FAQs online.
Scope of services
Products include life savings, funeral cover and related benefits with varying features by plan.
Cancellation, refunds and policy terms are set out in each plan's documentation and in the company's publicly available FAQs.
How to cancel Sanlam Nigeria
Preparation
Locate your policy number, purchase date and the plan name before starting the cancellation process.
Check whether you are within any cooling‑off period (see Refund section below) and whether any benefit has already been paid or claimed.
Step-by-step cancellation
- Review your policy documents and the specific plan's terms (for example, the FlexiSave 30‑day money‑back clause).
- If within the cooling‑off period, submit a written cancellation request referencing policy number and date of commencement.
- Contact Sanlam via the self‑service FAQ/contact pages and follow any online cancellation form or instruction. See the SanlamAllianz FAQ: SanlamAllianz FAQs.
- Request written confirmation (email or letter) and retain proof of delivery or screenshots of confirmation.
- If you bought through an agent, notify the agent in writing and ask them to confirm cancellation with Sanlam.
- If deductions continue, contact your bank to stop recurring payments and keep records of all correspondence.
What happens when you cancel
Coverage and access
Coverage typically stops from the effective cancellation date specified or when Sanlam processes the cancellation.
If a benefit has already been paid or a claim exists, refund rules may not apply; the insurer's right to refuse refund in that circumstance is documented.
Renewals and policy status
Automatic renewals will cease after the policy is successfully cancelled, subject to the insurer's processing times.
Check your confirmation to confirm the end date and any remaining obligations.
Data and records
Sanlam will retain records per its internal policies; keep your own copies of cancellation requests and confirmations for future reference.
If you need proof of cancellation for third parties (banks, employers), use the written confirmation provided by Sanlam.
Will I get a refund?
FlexiSave Plan and 30‑day money‑back
For the FlexiSave Plan, if you cancel within 30 days of commencement and no benefit has been paid or claimed, you are eligible to receive all premiums paid.
See the FlexiSave Plan money‑back clause: FlexiSave Plan details.
General refund conditions
- Sanlam's FAQs reference a grace or opt‑out period (30 days) during which a full refund may be available if no claim exists.
- No verified policy language was found for a 14‑day cooling‑off period; Sanlam's documented period is 30 days.
- If a claim has been paid or there is non‑disclosure/misrepresentation, the insurer may deny a refund.
Exceptions and timelines
Refunds beyond the 30‑day window are not documented in the available sources and should not be expected unless specified in your policy.
If you believe a refund is due but it is refused, keep all correspondence and follow Sanlam's complaint process (see After cancelling).
Sanlam Nigeria plans and pricing
Plans overview
Below is a summary table of publicly available plans and pricing. If specific prices are not published, the field shows 'Varies'.
| Plan | Monthly price | Features | Refund |
|---|---|---|---|
| Family Love Plan (funeral cover) | €3.00 - €3.10 per month | Covers up to ten family members; funeral lump sum, first anniversary benefit, repatriation, waiver of premium, cash back. | Varies by terms; not the same as FlexiSave money‑back |
| FlexiSave Plan | Varies | Life savings plan with stated money‑back guarantee within 30 days if no claim. | Full refund if cancelled within 30 days and no benefit has been claimed |
Pricing notes
Prices shown for the Family Love Plan are presented in euros after currency conversion in the public pricing summary.
Actual Naira pricing and available variants (lower price tiers) may differ; check your plan paperwork or Sanlam's sales materials for exact NGN amounts.
Your consumer rights in Nigeria
Cooling‑off and refund rights
Sanlam documents a 30‑day cooling‑off period from policy commencement during which you can cancel and get a full refund if no claim has been made.
This is the core documented refund right available in the public sources.
Policy cancellation rights
Customers may opt out of a policy; the insurer may cancel where there is non‑disclosure or misrepresentation per policy terms.
Always check the specific plan wording for any additional rights or obligations tied to cancellation.
Complaints and issue handling
Public feedback indicates instances of unresolved deductions, slow responses and low complaint resolution rates in some cases.
Retain documentation and follow internal complaint steps; escalate if necessary (see After cancelling).
Customer experiences
Positive feedback
Some customers report excellent service and reliable claims handling, including prompt funeral claim payouts and helpful agents.
One public review praises an agent named Farhaan for honest, timely and trustworthy claim support: positive review.
Negative feedback
Other reviews describe continued deductions after cancellation, lack of refund and poor communication when following up.
Complaints data on consumer forums indicate low resolution rates and customer dissatisfaction with responsiveness: complaints summary.
Documentation checklist
Required documents
- Policy number and plan name (from your policy documents)
- Proof of identity (national ID or passport copy)
- Proof of payment (bank statements or receipts showing premium payments)
- Written cancellation request or completed cancellation form
Helpful extras
- Copies of any correspondence with Sanlam (emails, chat transcripts, acknowledgement receipts)
- Bank details for refunds (account name, number and bank if refund is approved)
- Agent contact details if purchased through an intermediary
Common mistakes
Missing the cooling‑off window
Waiting beyond the 30‑day money‑back period is a frequent error; many customers expect refunds after that window when no refund is documented.
Always check the commencement date and act within 30 days if you intend to cancel for a full refund under FlexiSave or related grace provisions.
Not keeping proof
Failing to retain written confirmation of cancellation or receipts can make it hard to stop deductions or prove a refund claim.
Keep copies of cancellation requests, any replies from Sanlam, and bank statements showing continued deductions.
Comparative recap
Quick comparison
| Plan | Refund window | Price (example) | Notes |
|---|---|---|---|
| FlexiSave Plan | 30 days (full refund if no claim) | Varies | Money‑back guarantee clause documented on plan page: FlexiSave |
| Family Love Plan | No special 30‑day refund documented (check policy) | €3.00 - €3.10/month (published example) | Funeral cover for up to ten members; check exact NGN pricing and variant options |
| General policy | 30‑day grace/opt‑out referenced in FAQs | Varies by plan | Insurer may cancel for non‑disclosure or misrepresentation |
After cancelling
Next practical steps
Keep the written cancellation confirmation and monitor your bank account for any refund or continued deductions.
If deductions continue, contact your bank to stop further payments and submit the cancellation confirmation to your bank as evidence.
Escalation and further help
If Sanlam does not resolve your issue, escalate through their official complaint channels as set out in your policy or on their website.
If internal escalation fails, consider seeking independent consumer advice or formal redress through appropriate consumer protection or insurance regulatory channels in Nigeria.
Address
Head office
34 Marina Street, Old Nipost Building, Marina, Lagos
Notes on correspondence
This address is a publicly listed office location suitable for correspondence; confirm current mailing instructions with Sanlam before sending original documents.
For online resources and FAQs, refer to SanlamAllianz's published pages: SanlamAllianz FAQs.
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Written by Kemi Yakubu
Digital-law graduate · 6 years experience
Graduate in digital law and passionate about secure written communication, I have been writing guides on certified mail and electronic registered delivery for 6 years.
FAQ
To cancel your Sanlam policy, locate your policy number and purchase date, then submit a written cancellation request via email or registered postal mail, referencing your policy details.
Yes, if you cancel your FlexiSave Plan within 30 days and no benefits have been claimed, you are eligible for a full refund of all premiums paid.
Your coverage will typically cease on the effective cancellation date specified in your confirmation, and if any claims have been made, refund rules may not apply.
Request written confirmation of your cancellation from Sanlam via email or registered postal mail and keep proof of delivery for your records.
If deductions continue after cancellation, contact your bank to stop any recurring payments and retain records of all correspondence with Sanlam.