Sanlam Limited is a South Africa-based financial services company that provides financial solutions to individuals and institutional clients. The Company operates through five segments: Sanlam Personal Finance, Sanlam Emerging Markets, Sanlam Investments, Sanlam Corporate and Santam. Sanlam Personal Finance segment includes Sanlam Sky, Glacier and Strategic business development. Sanlam Emerging Markets segment includes Namibia, Botswana, India, Malaysia operations and Saham Finances. Sanlam Investments segment includes investment management, wealth management, international business and Sanlam specialized finance. Sanlam Corporate segment includes Sanlam employee benefits and healthcare business. Santam segment provides a range of general insurance products and services. It provides solutions in various areas, including insurance, financial planning, retirement, trust, wills, short-term insurance, asset management, risk management, capital market activities, investment and wealth.