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Sanlam Reality

Sanlam Reality is a programme available to all Sanlam group clients that empowers and rewards you as you improve your financial wellbeing.

Sanlam Reality supports you by helping you save money and time, by offering you practical insights, and by rewarding you for responsible choices. As a member, you can get preferred access to Sanlam, save money on wellness, travel and entertainment, and reward you for financial responsible behaviour.

Sanlam Reality has four membership options – Reality Health, Reality Plus, Reality Core and Reality Club – to suit every pocket and lifestyle. Reality Plus, Reality Health and Reality Core also offer Family membership options, which allow your spouse and dependants to be full members in their own right.

Terms and Conditions for Glacier Products

  • Qualification includes having updated personal details and ID number on both Glacier and Sanlam Reality databases.
  • The Sanlam Reality discount on SIM asset management fees will be calculated on the last day of a calendar month and credited to the investor’s account on the 2nd business day of the following month.
  • The Sanlam Reality discount calculation will be determined according to the investor’s Reality status and balance in the qualifying Sanlam Investments fund on the last day of the qualifying calendar month (regardless of change in status and movements of funds within the month).
  • The Sanlam Reality discount will be calculated on the fee class within the qualifying fund in which the investor holds an investment.
  • Where an investor holds an investment in more than one qualifying Sanlam Investments fund in a plan, a separate Sanlam Reality discount will be paid for each fund.
  • Where an investor holds more than one plan with qualifying Sanlam Investments funds, separate Sanlam Reality discounts will be paid for each plan.
  • The Sanlam Reality discount will be reinvested into the qualifying SanIam Investments fund, subject to the exclusions listed below.
  • The Sanlam Reality discount only applies to (individual investors) natural persons.


Sanlam Reality discounts that are less than R1 in value for a calendar month will be excluded from payment and will not accrue to a following calendar month.

Sanlam Reality discounts between R1 and R5 will be invested in a Money Market fund on the investor’s plan. If there is no Money Market fund, Glacier will open a Sanlam Investment Management Money Market fund.

For more on the Sanlam Reality Programme, visit

Glacier Financial Solutions (PTY)LTD is a licensed financial services provider.
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