Insurance | Financial Planning | Retirement | Investments | Wealth Dear <<personalise with client name>> Introducing Sanlam Cumulus Investments, an endowment that has been designed to give you the flexibility to choose how and where you want to invest your money. Offering you the potential to earn exceptional returns on your money with a range of investment funds to choose from. Great estate planning benefits and tax-efficient for individuals with high marginal tax rates. Make the most of your savings by taking advantage of the unique features of this Sanlam product: Qualify for an additional allocation of up to 2%. Earn loyalty bonuses. No alternation charges will apply if you access you funds after two years. As your financial planner, speak to me today to find out more about Sanlam's Cumulus Investments. <Broker to insert name and contact details>. Insurance | Financial Planning | Retirement | Investments | Wealth Sanlam, 2 Strand Road, Bellville, South Africa | www.sanlam.co.za Sanlam Life Insurance is a Licensed Financial Services Provider © 2017 Sanlam. All Rights reserved.