Client’s name
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 SanFind
SanFind
Prepared
Preparedfor:
for:_ ________________
Completed by:
Completed by: ________________
Date:
Date: _______________________

Protection of Personal Information

We collect and process personal information for the purpose of providing you with financial advice and
intermediary services and will protect your personal information as required by the relevant laws and the
constitution of the RSA. We may share your data with service providers where required to meet this purpose. We
will not send your information to service providers outside the RSA unless it is effectively protected by law, binding
corporate rules or binding agreement.

Please provide complete and accurate information, otherwise the appropriateness of any advice or services
rendered may be compromised. Inform us immediately if your information changes. We will retain your information
as long as necessary to meet the requirements of the FAIS Act and other legislation.

We may provide you with information about financial products and other services, which may include text
messages, emails, newsletters and the like. If you do not want to receive such information, please let us know in
writing.

Details of intermediary/practice/FSP collecting your information

Name
Code
FSP (Name & Number)

Personal Information
Personal Details
Client Partner
Surname
First Name
Other Names
Preferred Name
Gender
Title
Language
Identity Number
Date of Birth (dd/mm/ccyy)
Retirement Age
Maiden Name
Religion
Marital Status Contact Client Partner Preferred
Marital
Status Cell
C/P
phone
Date of
Marriage
Home C/P
If ANC with Accrual: (Please provide a copy of the
Ante-Nuptial Contract)
Assets Work C/P
owned Client
before Email
marriage: Partner

Dependants
Add to
Gender Related to Sanlam
Date of Birth Dependent
Full Names (Male / Relation (Client / Partner / Reality
(dd/mm/ccyy)
Female)
Until Age
Both)
Yes/No

Addresses
Postal
Type Address Suburb Preferred
code
Postal
Residential
Work – Client
Work – Partner

Qualifications and Employment

Client Partner
Highest Academic Qualification
Occupation
Employer
Start Date
Date of Next Salary Review
For Sanlam Staff only
Are you Sanlam Staff?
Sanlam Cluster
Sanlam Employee Number

2
Financial Information

Income Expenses
Annual Annual
Description Client Partner Increase Client Partner Increase
Description
CPI or Other CPI or Other
Living
Salary
Expenses
Continuing Other
Income

Assets
Owner Current Capital Acquisition Date Disposed on:
Description Beneficiary
C/P/J Value Cost (dd/mm/ccyy) Death Disability

Liabilities
Owner Outstanding Repaid on:
Description
C/P/J Balance Death Disability

Notes:

3
 Client Client & Partner
Advice agreement

Priority Risk Planning: Disability

Risk Planning: Death Priority*
*

Critical/ Description - Provision for:

Critical/
Description - Provision for: Yes/ Medium/ Yes/
No No Medium/
Review
Later Review Later

Provide income for partner or financial

Provide cover to replace lost income
dependants
Provide cover to repay the bond on
Provide cover to repay debt
your property
Provide cover to repay financial Cover large expenses (e.g. house, car
obligations alterations)
Provide cover for estate related fees
Provide cover for medical expenses
and taxes
Ensure sufficient cash to settle my Provide cover for maintenance
estate payments
Provide for funeral costs Other
Provide inheritance for your heirs
Provide cover for maintenance
payments
Make provision for education expenses
Other
Priority Risk Planning: Impairment
Risk Planning: Dread Disease Priority*
*

Yes/ Critical/ Description - Provision for: Yes/

No No Critical/
Description - Provision for: Medium/
Medium/
Review
Later Review Later

Cover large expenses (e.g. house, car

Provide cover to replace lost income
alterations)
Provide cover to repay debt Provide cover for medical expenses
Cover large expenses (e.g. house, car Provide cover for ongoing care
alterations) expenses
Provide cover for medical expenses Other
Priority Risk Planning: Lifestyle Rewards
Risk Planning: Estate Analysis Priority*
*

Yes/ Critical/ Description - Provision for: Yes/

No No Critical/
Description - Provision for: Medium/
Medium/
Review
Later Review Later

Provide For Sanlam Reality Lifestyle

Provide cover for estate duty
Benefits
Provide cover for estate related fees
Provide for Money Saver Card
and taxes
Ensure sufficient cash to settle my Maximise Savings on qualifying
estate products
Other Other

4
 Priority Investment Planning
Retirement Planning Priority*
*

Yes Critical/ Description - Provision for: Yes/

/No No Critical/
Description - Provision for: Medium/
Medium/
Review
Later Review Later

Planning For Retirement Saving for a Specific Goal

Moving Into Retirement Providing for Children’s Education
Investing a Lump Sum to Preserve or
Post Retirement Review
Grow Capital
Investing a Lump Sum to Provide
Income
Manage an Existing Investment
Build Up an Emergency Fund

Notes

Other Priority* Notes

Critical/
Description - Provision for: Yes
Medium/
/No
Review
Later
Wills
Short Term Insurance
Sanlam Reality
Medical Aid
Business Insurance
Income Tax

Client Signature Partner Signature

5
Risk planning

Continuing Income & Objectives

% of income
Owner From To required at:
Description Value (pa) Esc.
Age Age Dread
Death Disability
Disease

Funeral Underwriting Info

Cost: R Client Partner
Smoker Yes/No Yes/No
Burial/Cremation
Administrative Work % %
Organ Donor: Yes/No Manual Labour % %
Supervision % %
Travelling % %

Information Regarding your Will

Do you want a Single/Joint Will?

Does your will still address your wishes?
Where is your will kept?
Cater for Family Obliteration in your Will? Yes No
Bequeath inheritance of minors in Trust? Yes No Till what age?
Co-Executor to Sanlam Trust

Co-Trustee to Sanlam Trust for testamentary trust

Guardian (for minor or disabled dependents)

Full names and surname Relationship ID number/ Date of birth M F

Yes No
Would you like a living Will
Particulars of heirs related to client/partner Gender

Type of asset Full names and surname Relationship ID/DOB M F

Other Wishes

6
Risk profile questionnaire In order to proceed with retirement and investment
planning, a risk profile must be completed for the client
Neither
Strongly Strongly
Disagree agree nor Agree
Question disagree agree
disagree
1. For me, part of investing is experiencing the ups and
downs.
2. I feel stressed when making important financial decisions.
3. It’s important to me to take financial risks.
4. I believe that I generally take bigger investment risks with
my money than other people.
5. I always overreact to unexpected bad financial news.
6. I would still consider making risky investments even if I had
made significant losses in the past.
7. I worry about things going wrong with my financial
decisions.
8. To avoid the possibility of losing money on my
investments, I would rather not make a financial decision
9. To get higher long term returns, I’m happy to risk a short
term fall in the value of my investments.
10. Others would say that I like taking risks with my money.
11. I feel fairly relaxed about uncertainty regarding risky
investments.
12. When I consider the risks of investing I feel quite anxious.
13. I expect my investments to sometimes go down in value as
well as up.
14. I would be happy to tolerate fluctuations in the value of my
investments to get a better return in the future.
15. When I make an investment decision I usually feel
concerned.
16. Seeing my investments go up and down in value is part of
investing money.
17. I would get a thrill from making risky investments with my
money.
18. I would accept fluctuations in the value of my investments
for the potential to gain a return above inflation.

19. What knowledge do you have of investments and the risk they carry? Indicate the level of your experience as
minimal, average, strong or extensive, and provide information to support this. Indicate the extent of your own
involvement in investment in the past.

20. What investment experience do you have?

Indicate the level of your experience as minimal, average, strong or extensive, and provide information to support
this.

21. How likely is it that you may need to access a long-term investment? Do you have an emergency fund?
Do you expect to have large cash needs in the near future, e.g.medical expenses, education expenses, buying
a house or starting a business?

7
 Planning Requirement

Client Partner
Retirement Planning Retirement Age
Projection Age

Objectives Post Retirement Income Available Post Retirement

From To Esc From To Esc

Owner Description Value (pa) Owner Description Value (pa)
Age Age % Age Age %

Assets Disposed for Retirement Outstanding Debt at Retirement

Contri Contri Dispo

Value bution Description Amount
Owner Description Return bution sal
(CV)
(pa) Esc Age

Investment Planning
Education Costs
Include cost in
Dependant Reason Start Age End Age Costs (pa) risk plan
(yes/no)

Savings Goals
Existing Savings:
Existing Lump Sum Amount Existing Regular Savings
Frequency Escalation % (pa)
Savings Period Projection Period
Include Income Tax in Calculations Other Taxable Income (pa)
Target Goal:
Target Amount Target Period
Present/Future Value

Notes

8
Annexures to SanFin:
A. Lifestyle Planning for reality calculations
B. Letter of Authorisation
C. Budget Calculator
D. Analysing the clients financial position by hand
E. Referrals

9
 Annexure A

Prepared for: _________________

Completed by: ________________
Date: ________________________

Lifestyle Planning
Benefit Goals for Sanlam Reality calculator
Travel:
Number of Single Trip Domestic Flights Tickets per year
Number of Return Trip International Flights Tickets per year
Number of Airport Transfers per year
Number of Car Rental Bookings per year
Average number of car rental days for each rental
Number of times accommodation is required per year

Health:
Preferred Gym
Number of Gym contracts
Number of visits to the gym each month per member

Entertainment:
Number of movie tickets purchased per month
Number Computicket booked sports or show tickets per month
Number of times eating out with at least one other person per month
Number of Simfy Subscriptions

Notes:
 Annexure B

Letter of Authorisation

TO WHOM IT MAY CONCERN

1. Authorisation to request information

I, , the undersigned,
identity number Telephone number
hereby authorise
or any member of his/her staff (or the following member of his/her staff):
to obtain any information on my behalf regarding my assurance and/or investment portfolio, and any of my employee or health
service benefits, from any life office, retirement fund or financial institution directly, or by using the services of The Financial
Services Exchange (Pty.) Ltd., trading as Astute.
I hereby give consent to any financial institution or employer in possession of information regarding my insurance, investment and
employee or health service benefits portfolio to release that information upon request directly to the person who is in terms of this
document authorised to request it, or to the authorised person via Astute. For this purpose I confirm that the authorised person is
acting on my behalf and/or in my interest.
I understand that this information will be collected and processed for the purpose of providing me with financial advice and
intermediary services, and will be retained as long as necessary to meet the requirements of the FAIS Act and other legislation. I
also understand that my information may be shared with other service providers where required for this purpose.
I also give consent that the authorised person may obtain my credit information from legally recognised resources or databases
where this is required to perform an assessment to determine whether I would qualify for a risk product, and that this information
may be shared with the provider of the applicable product.
It was explained to me, and I understand, that this consent may possibly have a restricting influence on my constitutional right to
privacy.
This authorisation shall remain valid for 180 calendar days from date of my signature.

Client signature Date (dd/mm/ccyy)

2. Appointment of new official care intermediary

I further request the financial institutions with whom
has a sales agreement, to indicate him/her on their records as my official care intermediary. I have been
properly counselled on the consequences of this letter of appointment, which includes access to my Sanlam product information.
I realise this appointment will not impact the payment of commission or intermediary fees. This appointment may be revoked by
me in writing at any time.

Client signature Date (dd/mm/ccyy)

Intermediary information
Name Code
Email Telephone
FSP (Name & Number)

NB: Any changes must be signed by the client.

Special requirements:
 Annexure C

Prepared for: _________________

Completed by: ________________
Date:

Budget Calculator
Item Amount

Bond/Rent
Rates and Taxes
Garden Services
Domestic Worker
Vehicle A
Vehicle B
Transport
School Fees
Retirement Funds
Group Scheme
Medical Aid
Life Insurance
Short Term Insurance
Savings
Entertainment
Retail Accounts
Credit Card Payments
Groceries
Telephone
Cell phones

Total Expenditure
 Annexure D

Prepared for: _________________

Completed by: ________________
Date: ________________________

Analysing the client’s financial position by hand

Financial position at death and disability

Needs @ Death Disability

Family income: R___________________ income p.a. x term __________ = R R

Total liabilities + R R

Other Capital needs and wishes + R R

Last expenses (Funeral cost, Medical Cost) + R R

Executor fees + R R

Total needs (a) = R R

Existing provisions @ Death Disability

Realised assets and investments R R

Assurance + R R

Retirement fund lump sum + R R

Retirement fund income R__________________ p.m. x 12 x term ____________ + R R

Total provisions (b) = R R

Excess / Shortfall (b-a) = R R

Notes:
I confirm that the information was supplied by me and that it forms the basis upon which recommendations will be
made.

Client Signature Date

Financial position at retirement
Needs @ Retirement

Retirement income: R_____________________ income p.a. x term __________ = R

Total liabilities + R

Other Capital needs and wishes + R

Emergency fund (6 x monthly salary) + R

Executor fees (4.025%) + R

Total needs (a) = R

Provisions @ Retirement

Realised assets and investments R

Assurance + R

Retirement fund lump sum + R

Retirement fund income R______________________ p.m. x 12 x term __________ R

Total provisions (b) = R

Excess / Shortfall (b-a) = R

Calculation of premium for retirement

Retirement age ___________ minus age today ___________ = number of years to save ___________ x 12 = ___________
term to save.

Shortfall R ________________________ ÷ Term in months ___________ = Premium R ________________________ + Index plan

Notes:
I confirm that the information was supplied by me and that it forms the basis upon which recommendations will be
made.

Client signature Date signed

2
 Annexure E

Prepared for: ________________

Completed by: _______________
Date: _______________________

Referrals
Referrals – Please write down the information of people who can benefit from my services.
Name Age Name Age
May I mention your name Yes No Lang E A May I mention your name Yes No Lang: E A
Reason for contacting Reason for contacting
Tel (H) ( ) Tel (H) ( ) Tel (H) ( ) Tel (H) ( )
Cell Email Cell Email
Address Address

Married Single Divorced Dependent children Married Single Divorced Dependent children
Occupation Occupation
Estimated household income p.m. R Estimated household income p.m. R

Name Age Name Age

May I mention your name Yes No Lang E A May I mention your name Yes No Lang: E A
Reason for contacting Reason for contacting
Tel (H) ( ) Tel (H) ( ) Tel (H) ( ) Tel (H) ( )
Cell Email Cell Email
Address Address

Married Single Divorced Dependent children Married Single Divorced Dependent children
Occupation Occupation
Estimated household income p.m. R Estimated household income p.m. R
Referrals – Please write down the information of people who can benefit from my services.
Name Age Name Age
May I mention your name Yes No Lang E A May I mention your name Yes No Lang: E A
Reason for contacting Reason for contacting
Tel (H) ( ) Tel (H) ( ) Tel (H) ( ) Tel (H) ( )
Cell Email Cell Email
Address Address

Married Single Divorced Dependent children Married Single Divorced Dependent children
Occupation Occupation
Estimated household income p.m. R Estimated household income p.m. R

Name Age Name Age

May I mention your name Yes No Lang E A May I mention your name Yes No Lang: E A
Reason for contacting Reason for contacting
Tel (H) ( ) Tel (H) ( ) Tel (H) ( ) Tel (H) ( )
Cell Email Cell Email
Address Address

Married Single Divorced Dependent children Married Single Divorced Dependent children
Occupation Occupation
Estimated household income p.m. R Estimated household income p.m. R

2
 Annexure E

Prepared for:
Completed by:
Date:
Reason for contacting

Prompt: No pension / Retrenched / New senior appointment / Started own business / Retirement / Increase in salary /
Bought a house / Pregnant / Child born / Recently married / Engaged / Started work recently

1. Full names and Surname

Colleague Family Friend

Notes:

2. Full names and Surname

Colleague Family Friend

Notes:

3. Full names and Surname

Colleague Family Friend

Notes:

4. Full names and Surname

Colleague Family Friend

Notes:

5. Full names and Surname

Colleague Family Friend

Notes:
V2608 SanFind Form 07/2021

www.sanlam.co.za
LICENSED FINANCIAL SERVICES PROVIDER