Sanlam Reality. Your 2018 guide to earning tier points
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1 Sanlam Reality Your 2018 guide to earning tier points
2 Tier status model Do more, earn more Earning tier points is a key component of the Sanlam Reality programme. The more tier points you earn, the higher your tier status and the bigger your discounts on a number of benefits, including flights, accommodation, airport transfers and day-to-day savings. The Sanlam Reality tier status model has been designed to offer even more benefits and rewards to those members who want to earn tier points, become healthier and more financially fit. There are four categories in which members can earn tier points: Gold tier points: Single points: Family Silver tier points: Single : Family Bronze tier points: Single : Family Product and portfolio Earn points for holding financial products in the Sanlam Group and strategic partners. Earn up to: points Programme Earn points for registering, updating details, membership option changes and more. Earn up to: points Managing your risk Earn points for health and life events or safety and security events. Earn up to: points Online wealth Complete financial tools, calculators, quizzes and more. Earn up to: points At the end of each calendar year, the number of points you ve accumulated in that year will determine your tier status for the following year. Points indicated above based on Single membership.
3 Understanding tier levels Tier activities All Sanlam Reality members (excluding Reality Club members without a Money Saver card) will earn tier points in various categories over a calendar year and this will determine their tier status for the following year. Points are calculated over a 12-month calendar year (ie 1 January to 31 December). In February, members will be informed of their new tier status. Benefit discounts based on your tier status will then apply. 1. Product and portfolio Tier points are earned by having products from the Sanlam Group and its strategic partners. Products include: retirement provision, savings, annuities, life cover products, investments and more. See overleaf for details. Points balance carry-over A certain percentage of points will carry over from one calendar year to the next calendar year. The carry-over points are calculated using this table below. The carry-over points are cumulative, meaning in year two you will carry over a combined total of your year one and year two carryover points. Year 1 Year 2 Year 3 Year 4+ Maximum carry-over 2. Managing your risk Tier points are earned based on your qualifying products and the specific programme that you joined: 2.1 Product: health, life, savings, investments, personal loans, Wills and trust You can earn tier points for: Basic medical Gym attendance Outdoor events 2.2 Product: Safety and security You can earn tier points for: Annual vehicle inspection Vehicle tracking device and driving behaviour Carry-over 20% 15% 10% 10% points 3. Programme Tier points are earned by updating and enhancing your programme experience: This carry-over process continues until a maximum of carry-over points have been reached. From that point onwards, the member will carry over points each subsequent year. Join Sanlam Reality Upgrade membership Sanlam Reality referral Register for Sanlam Secure Services Update contact details Get a Money Saver card Download Santam App (for Santam members only) 2 Membership option changes When a member moves from a tiered membership option to another tiered membership option, (ie from Reality Core to Reality Plus), the member s points and tier status will remain in place. When a member moves from a tiered option to a non-tiered option, that member will forfeit all points accrued up to that date. Alternatively, when a member moves from a non-tiered membership option to a tiered one, this will be treated as a new membership registration. When Sanlam Reality membership is cancelled, that member forfeits his/her tier status points. For T&Cs and updates, visit 4. Online wealth Tier points are earned by completing wealth-related activities and calculators: General Sanlam financial planner visit Sanlam Online Will TaxTim Financial questionnaires Wellness check Home safety questionnaire Tools and calculators Income tax calculator Loan repayment calculator Retirement calculator Savings calculator Financial quizzes Vehicle value calculator Home contents inventory Building value calculator 3
4 PRODUCT AND PORTFOLIO Earn tier points for your products and portfolio Your financial products in the Sanlam Group and strategic partners will help your tier status grow. Activity Points Earning frequency Maximum earning per annum Sanlam portfolio and products from strategic partners See table on page 6 Monthly (Single membership) (Family membership) Product and portfolio Members can earn tier points for holding Sanlam financial products or for their qualifying medical aid policy. There are a number of rules pertaining to the calculation of these points: - Points are calculated monthly based on the current fund value and premiums (single or recurring). For example: Members will earn 1 point for every R2.50 paid in monthly medical aid premiums (ie if the premium is R2 500 per month, they will earn tier status points). In addition to the maximum points that can be earned for the product and portfolio category, each product grouping also has a sub-cap of points. The full medical scheme contribution will be taken into account on Sanlam Reality Family membership options, where the member has dependants on the medical scheme. The full medical scheme contribution will be taken into account on Sanlam Reality Single membership options where there are no dependants on the medical scheme. Fifty percent of the full medical scheme contribution will be taken into account on Sanlam Reality Single membership options, where there are also other dependants on the medical scheme. NOTE: At this stage, Bonitas is unable to supply Sanlam Reality with the premium information required to allocate members points, as it is contrary to the Scheme s privacy policy. These members will be able to earn their premium points by submitting their medical scheme contribution certificate/medical Scheme Tax Certificate, Sanlam Reality membership number and a cover note to info@sanlamreality.co.za. 4 5
5 Product category Data used Points 1 Retirement provision Fund value 1 point per R315 2 Savings (SILLS & SCI) Fund value 1 point per R315 3 Annuity SP** invested 1 point per R315 4 Life cover product RP* 1 point per R Glacier investments Fund value 1 point per R315 6 Santam RP* 1 point per R Sanlam Personal Loans RP* 1 point per R Sanlam Wills Value of Will 1 point per R Sanlam Trust Value of Trust 1 point per R SKY RP* 1 point per R Medical aid*** RP* 1 point per R2.50 Maximum points per product category per annum *RP = recurring premium ie monthly or quarterly **SP = single premium ie once off *** only for members on Reality Health Single Family Life cover (Category 4) Investments (Category 1, 2, 3 & 5) Short-term (Category 6) SKY (Category 10) Medical aid (Category 11) Remaining products (Category 7, 8 & 9)
6 MANAGING YOUR RISK: HEALTH AND LIFE Earn tier points for managing your risk Your health is important to us, so you ll be rewarded for improving your health awareness. Only members with life or health, savings, investments, personal loans, Wills and trust can earn tier points in this category (this excludes members who only have Santam products). Activity Gym attendance 150 points per visit Ongoing (Single membership) (Family membership) Basic medical (includes four tests) Points Earning frequency Maximum earning 2500 per test Once per year (Single membership) (Family membership) Basic medical The basic medical can be done at any Dis-Chem or Clicks pharmacy. When you go for the test, have your Sanlam Reality membership number or ID number on hand and inform the nurse that you are completing a Reality Tiering Test. The nurse will measure your body mass index (BMI) and blood pressure, and test your cholesterol and glucose levels. Depending on your results (which will automatically be sent to Sanlam Reality), you may earn a maximum of points if you are on the Single membership options and if you are on the Family membership options (for multiple family member tests). The cost of the test is R132. See table below for the points breakdown. Not ideal range Almost ideal range Ideal range BMI < 18 or > or < BMI < 26 Outdoor events Up to points per activity Ongoing (Single membership) (Family membership) Blood pressure < 140 above and < 90 below < 130 above and < 85 below < 120 above and < 80 below Gym visits If you have a Sanlam Reality gym contract with Planet Fitness, JustGym or Virgin Active, you will earn 150 points per visit (limited to one a day). The maximum points earnable in one calendar year is (for Single membership options) and (for Family membership options). The combined cap on earnable points for gym attendance and outdoor events is (for Single membership options) and (for Family membership options). Cholesterol > < 5.5 Glucose > < points points points Note: Virgin Active membership is only available to Reality Health members. Only visits of dependants 18 years and older on the Family membership options will be taken into account. Go to to find out more about the basic medical. 8 9
7 MANAGING YOUR RISK: HEALTH AND LIFE Outdoor events Easy Intermediate Tough Running < 15km km 42.2km+ Swimming < 1.6km 1.6-4km 4km+ Cycling < 40km 40-90km 90km+ Walking < 15km km 42.2km+ MTB < 20km 20-60km 60km+ Trail running < 10km 10-30km 30km+ Kayak/Canoe < 30km 30-60km 60km+ Outdoor events You can earn tier points for doing the fitness activities you enjoy from running, cycling and walking, to mountain biking and swimming. To earn points, you need to set up an Entrytime account through Sanlam Reality (sanlam.entrytime.com). Once you ve registered, you may start logging your events to claim your points. Depending on the difficulty level of the event, you may earn between tier points and tier points. The maximum points earnable in one calendar year is (for Single membership options) and (for Family membership options). The combined cap on earnable points for gym attendance and outdoor events is (for Single membership options) and (for Family membership options). Triathlon < 30km km 100km+ Duathlon < 30km km 100km+ Surf ski < 12km 12-24km 24km+ Wheel chair < 21km 21-60km 60km points 4000 points 8000 points 10 11
8 MANAGING YOUR RISK: SAFETY AND SECURITY Manage your safety and security risk and earn tier points. Only members with a Santam product can earn tier points in this category. Activity Points Earning frequency Maximum earning per annum Annual Vehicle Inspection Up to points per category Once per year (Single membership) (Family membership) Vehicle Tracking Device Up to points per annum; up to points per month for your driving score Ongoing (Single membership) (Single membership) Annual Vehicle Inspection Take your vehicle to selected Tiger Wheel & Tyre or Tyres & More stores and earn tier points depending on the inspection of your vehicle in the following categories: mechanical and safety check, tyre check, body check, and security check. Vehicles rated in the ideal range will earn you points per category; then points for almost ideal and points for not ideal. The cost of the vehicle inspection is for the member s own account. Please note: the outcome of the inspection will not affect your Santam short-term premium Vehicle Tracking Device You can earn 667 tier points per month (8 000 points per annum) for a deep-installed vehicle tracking device. The device will then record your driving score monthly. Members who rated as excellent will receive points a month and those who rated average will earn 800 points a month. If you have a poor driving score, you will earn zero points for driving however you will still receive points for having the device installed in your car. Please note: the outcome of your monthly score will not affect your Santam short-term premium. Please refer to the FAQs on the website for more information
9 PROGRAMME Earn tier points for programme activities You can earn tier points for engaging with the Sanlam Reality programme. Most of these tasks can be done online. Activity Minimum points earned Earning frequency Maximum points earned Join Sanlam Reality Once off Membership downgrades (Family to Single) Membership upgrades (Single to Family; Club to Core/Plus/Health) Refer friends to Sanlam Reality Register on Sanlam Secure Services No change in points NA NA Once off per valid referral Annually Once off Update contact details Once per year Acquire a Money Saver card Once off per year Acquire additional Money Saver cards for your family per card Once off Download Santam App Once off Go to to earn points. You must be logged in as a Sanlam Reality member to earn tier points for completing these online activities. 14 Please note: Some of the maximum points are only applicable on Family membership options.
10 ONLINE WEALTH Earn tier points for online wealth activities Get rewarded for taking charge of your financial health. Activity Minimum points earned Earning frequency Maximum points earned Financial planner visit Once per year Sanlam Online Will Once TaxTim Once per year Wellness check Once per year Home safety questionnaire Once Financial questionnaires Ongoing Income tax calculator Ongoing Loan repayment calculator Ongoing Retirement calculator Ongoing Savings calculator Ongoing Financial quizzes 500 Ongoing Vehicle value calculator Ongoing Home contents inventory Ongoing Building value calculator Ongoing (Single membership) (Family membership) (Single membership) (Family membership) (must be completed by principal member) Combined cap of points Online wealth activities Go to Sanlam Reality s Wealth Sense platform to find financial calculators, tools, quizzes and questionnaires ( You must be logged in as a Sanlam Reality member to earn tier points for completing these online activities. You need to complete different financial activities to earn points and can only earn points for each activity (ie tool, quiz, calculator) once. For TaxTim, you will only earn your tier points when you ve submitted your annual tax return
11 Stay up to date Sanlam Reality will keep you informed of campaign-driven points-earning activities via a number of channels. To request your points balance, contact /9 or info@sanlamreality.co.za. You can find all the points-earning activities listed on one page on our website. Go to Terms and conditions apply. To find out your tier status, go to and log in your points total will display in the side panel on the right. Contact the Sanlam Reality Call Centre on /9 for more information about tiering. 16
12 Call /9 Web membership queries Facebook Terms and conditions available on Sanlam Reality is part of the Sanlam Group. SRTB 12/17/E ALL CONTENT CORRECT AT DATE OF PRINT.
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