Terms & Conditions

The use of the MiWayLife website is subject to certain terms and conditions. Visiting and using the MiWayLife website or any part thereof implies that you are aware of our terms and conditions and agree to them.

All information on our website/s is intended as general information about MiWayLife, our products and services. The information provided on the website/s should not be treated as professional or investment advice in any way and was correct at the date of publishing. As this is our business we may choose to change any content on the site at any time without letting anyone know.

Please note that should you choose to use this website you do so entirely at your own risk. Although we take the law seriously and ascribe to the Electronic Communications and Transactions Act, we can’t and won’t accept any liability when you choose to use our website.

Here are some things we would like you to know

1. All information is viewed, downloaded or printed for personal use only.

2. MiWay own the copyright and intellectual property rights to all content on our website/s including logos, other graphics and multimedia elements. If you would like to use any information from our website, please credit us clearly.

3. MiWayLife values your personal information (as defined by the Protection of Personal Information Act) and promises to comply with the Protection of Personal Information Act as well as the Electronic Communications and Transactions Act, insofar as it relates to personal information. We will never use your personal information for any purpose other than the reason you gave it to us. We might have to share the information with our business partners to enable us to provide you with the product or service you have enquired about or you might have chosen to take from us but these partners may never sell your details or re-use them.

4. Any email address, name, telephone number or fax number from the MiWayLife website IS NOT to be used for electronic marketing or database building purposes. The fact that we display this information does not imply that we consent to the use of this information for database building purposes.

5. Never use any of our trademarks without our written consent. This includes linking to our website in any way. If you do this without our ‘okay’ (written, of course) we are entitled to take legal action and any legal fees and/or associated costs will be for your account.

6. Linking to and from our site is really serious to us as we value our reputation hugely. But, if you believe you have a valid case, send us an email to info@life.miway.co.za and depending on our relationship and business strategy, we may agree or not.

7. When using our online tool always keep your login details safe and confidential. This ensures that nobody can access your information without the necessary authorisation to do so.

8. MiWayLife makes use of display advertising on the internet and makes use of Google Analytics to evaluate and enhance the product and services offered on our website. Information is gathered using a "cookie" which is a computer file transferred automatically from our website to your computer via your browser during an online session. The cookie enables MiWayLife to gather general information on the use and frequency of the visitor traffic. MiWayLife and third-party vendors, including Google, use first-party cookies (such as the Google Analytics cookie) and third-party cookies (such as the DoubleClick cookie) together to inform, optimise and serve adverts based on a user’s past visits to the MiWayLife website. There are various ways to block cookies or to opt out by using the Google Analytics opt-out browser add-on.

9. We are a truly South African company and abide by the laws of the land. Therefore our website, its content and our business shall be governed and interpreted in accordance with the laws of the Republic of South Africa.

We also can’t promise or guarantee

1. That our website will be available and functional 100% of the time.

2. That all downloads from our website will always be free of viruses and will not damage your computer or data on it.

3. The nature, content and availability of the third-party links to external websites. We also cannot control or guarantee the accuracy or quality of the information, material and graphics from these websites. The inclusion of any such links does not necessarily imply a recommendation or endorsement of the views expressed within them. If you come across any external links that don't work, we would be grateful if you could report them to webmaster@miway.co.za.

4. The security of any data you supply us with online, for practical business reasons and because the law might require it, we need to store some of your information in our databases. Although we have built-in safeguards to ensure the privacy and confidentiality of that information, this is entirely at your own risk.

Some notes on what we allow on our comment forums

All comments on MiWayLife’s website appear as they are loaded by you, the public. It is our policy to post ALL comments unless they do not comply with our guidelines below:

  • MiWayLife welcomes all comments – both negative and positive – from anyone, regardless of whether you are a client or not.
  • The MiWayLife comments page is intended for open, transparent conversations in which people discuss and share ideas, notify MiWayLife of any issues, compliment us and of course ask questions.
  • We are committed to maintaining a non-toxic atmosphere. Therefore we do not allow profanity, hate speech, nor do we allow speech that advocates or supports hatred, unlawful activities or violence. Likewise, threats of violence or threats to anyone or any group’s personal safety are not acceptable. We also do not allow false claims or misleading implications that any individual or group perpetuates hate or violence.
  • In order to preserve a functional and civil conversation, we do not allow trolls or trollish behaviour - in other words, speech that is solely intended to provoke other users, to cause disorder or confusion, or to inhibit regular, on-topic conversation, or stalking.
  • We do not allow speech that is solely intended to provoke other users, to cause disorder or confusion or to inhibit regular, on-topic conversation.
  • We do not allow and will delete all comments containing business solicitations or other advertising of personal interests, blogs, or websites.

Our Products and Services

  • MiWayLife offers Long-term insurance products.
  • MiWayLife is an authorised financial services provider (FSP 45741) and a division of Sanlam Life Insurance Ltd. All MiWayLife products are underwritten by Sanlam Life Insurance Ltd.
  • All telephonic client interaction is recorded for our mutual protection and copies are available on request.
  • MiWayLife products are only available to permanent residents and citizens of South Africa. All claims will be assessed, verified and paid in South Africa, to a South African bank account and in South African Rands.
  • Should it be found that there’s material misrepresentation, fraudulent activity and/or actions intentionally aimed at misleading MiWayLife, the policy will be cancelled and claiming will not be permitted. Premiums paid in terms of the policy will also be forfeited. MiWayLife reserves the right to take further legal action as appropriate.
  • Should we reject a claim and the claimant wishes to challenge the decision via legal proceedings, the legal proceedings must be instituted within 6 months after the date on which notice of rejection was received. Failure to institute legal proceedings within the time period will result in a loss of all right to benefits which the claimant may have had against us.
  • All information supplied to us by the policyholder, on behalf of the policyholder or any person, covered under this policy must be true and complete. Incorrect information may negatively impact the cover or future claims. It remains the policyholder’s responsibility to make sure that the information provided is correct. The information supplied will be validated at claims stage. We require certain information in order to determine the acceptability of the risk, the premium and the conditions of cover.
  • Where the cover amount of an accelerated benefit exceeds the reduced cover amount of the death benefit (due to one or more accelerated benefit pay out/s), we will reduce the cover amount of the accelerated benefit to an amount equal to the reduced cover amount of the primary benefit (death). As follows, we will reduce the monthly premium to reflect any reduction in the cover amount.
  • The policy ends on payment of the full cover amount for the main life or should you decide to cancel the policy.
  • If the policy does not meet your expectations or if there are any changes to the information supplied, please inform us immediately by telephone or in writing to ensure that your cover remains valid and future claims are not affected.
  • The confidentiality of your personal information is of utmost importance to us. We therefore only disclose, process and share information in the normal course of business; such as claims, relevant underwriting information and medical history with relevant parties, including a central life insurance register.
  • Due to the nature of an insurance agreement we may require access to your medical and other information during the claims process. Such information will be requested from third parties who hold such information.
  • As a division of Sanlam Life Insurance Ltd. MiWayLife holds appropriate professional indemnity cover.
  • Some MiWayLife call centre consultants may be operating under supervision.
  • The law of South Africa will apply to MiWayLife’s products, services and contracts.

Using the MiFitLife portal

  • Using the MiFitLife portal (“the site”) is voluntary and choosing not to use the portal will have no impact on your cover, premium or any other benefits or condition of your MiFitLife policy.
  • Nothing contained on the site should be interpreted as medical advice.
  • Neither MiWayLife, nor its representatives/ambassadors and/or employees, have the requisite medical experience or expertise to diagnose or treat medical conditions.
  • The advice and recommendation found on the site is general and does not consider individuals medical, physical or mental conditions.
  • It must be understood that engaging in/following a physical activity, exercise routine or diet could result in injury and/or death.
  • Any and all videos, text, images or other content in whatever form found on the site is not professional medical advice. Should you experience any health related complications, physical injury or you are uncertain about the effects a diet or training program may have on you, contact a doctor or other medical professional.
  • We advise that you consult your doctor before you undertake to follow any health and fitness recommendations found on the site.
  • By accepting these terms and conditions and agreeing to use the site you expressly agree to release MiWayLife from any and all liability related to your physical well-being, training activity, nutritional and health state, and promise not to action legal proceedings of any sort for any claim/s, injuries, damages or losses associated with the use of the site. You also agree that in no event shall MiWayLife be liable to you or any third party for any direct, indirect, punitive, incidental, special or consequential damages.

MiFitLife referral system/program

Here are the basic rules:

  • Participation in the referral system/program is voluntary.
  • Choosing to not participate in the referral system/program will not affect your cover, premium or any other benefits or condition of your MiFitLife policy.
  • You must be the holder of MiFitLife policy with up to date premiums and in good standing to participate in the referral system/program.
  • You need to have signed up and logged in with your unique username and password to the MiFitLife portal and accepted the terms and conditions of the site and program.
  • You cannot refer yourself.
  • For every 5 referrals that take up the MiFitLife policy you will be eligible for 1 referral reward (take up means paying a premium and commencing with the MiFitLife cover)
  • If a referee does not take up the MiFitLife policy within 3 months from the referral date, no referral reward is due to the referrer.

More about the referral reward:

  • Issuing of a referral reward will be at the sole discretion of MiWayLife.
  • MiWayLife will endeavor to inform referrers of the reward type in advance and have the right to change such reward without prior notification.
  • A reward will be delivered within four weeks after the successful collection and commencement of a referred client’s MiFitLife policy.

MiWayLife Privacy Policy

MiWayLife's website Privacy Policy and Practices

Your privacy is important to MiWayLife and your personal information is dealt with in terms of the MiWayLife Privacy Policy. This privacy statement sets out the practices applicable to the protection of personal information on MiWayLife websites.


  1. Use of information

MiWayLife is committed to keeping your personal information confidential. MiWayLife will use your personal information to enhance your experience, the service that MiWayLife provides to you and to communicate with you, unless expressly directed by you not to do so.

  1. Personal information

In general, you may visit MiWayLife's website without revealing any personal information. There are times, however, when MiWayLife or its partners may request personal information from you.

If requested, you may choose to give us your personal information, for example your name and address or email addresses. This information may be needed, for example, to correspond with you, to process an order, or to provide you with a subscription.

MiWayLife will advise you how it will use personal information before it collects the personal information from you. If you inform MiWayLife that you do not want it to use your personal information as a basis for further contact with you or for any other purpose, it will not do so.

  1. Information security and quality

MiWayLife intends to protect the quality and integrity of your personal information. MiWayLife has implemented appropriate technical and organizational information security measures to help it keep your information secure, accurate, current, and complete. However, MiWayLife cannot guarantee the security of any information you transmit to it online and you do so at your own risk.

MiWayLife will make commercially reasonable efforts to respond to your requests to correct inaccuracies in your personal information in a timely manner.

To assist MiWayLife in correcting inaccuracies in your personal information please return the message containing the inaccuracies to MiWayLife with details of the correction requested.

  1. Information collection

To monitor and improve the website, MiWayLife may use technology to gather information about your use of the website including details of your operating system, browser version, domain name, and IP address (the IP address is a string of numbers that tells us which server you are using but does not identify you).

The process of gathering the information as described immediately above uses a technology known as “cookies”. If you do not wish us to collect the information your browser should allow the disablement of cookies.

  1. Sharing of information

MiWayLife will not sell, rent, or trade your personal information to any third party.

As a result of its relationship with the MiWayLife with selected partners and third parties, MiWayLife will be sharing with them information about you. MiWayLife may also share information within the Sanlam group.

MiWayLife will disclose information when lawfully required to do so

  • To comply with any relevant legislation,
  • or any legal process; and
  • By any regulatory authority (like the Financial Services Board) and
  • the Regulators it may appoint for the various financial sectors.

Sometimes MiWayLife may share aggregated information (for example, demographic data) with its stakeholders and business partners, but it will not disclose your personal information to third parties save with your consent or as provided in this privacy statement.

  1. Collection of information by third parties

Owners or information system administrators of third party websites that have links to the MiWayLife website may collect personal information about you when you use these links. MiWayLife does not control the collection or use of personal information by third parties and this privacy statement does not apply to third parties.

  1. Clickstream data

MiWayLife may collect anonymous information from visitors to its websites to help it provide better customer service. For example, MiWayLife keeps track of the domains from which people visit its website and also measures visitor activity on its website. In doing so MiWayLife ensures the information cannot be used to identify you. This information is sometimes known as "clickstream data". MiWayLife or its analytic vendors may use this data to analyse trends and statistics and to help it provide better customer service. If you do not wish your personal information to be used in this way, please notify us.

  1. Online advertising

MiWayLife engages third parties that help it deliver its banner advertisements and other online communications. The third parties may collect and use information about MiWayLife customers to help us understand the offers, promotions, and types of advertising that are most appealing to its customers. The personal information they collect is aggregated and cannot be linked to a person. If you do not wish your personal information to be used in this way, please notify us.

  • Third party vendors, including Google and DoubleClick, show MiWayLife's ads on sites on the internet.
  • Third party vendors, including Google and DoubleClick, use cookies to serve ads based on a user's prior visits to MiWayLife's website.
  • Users may opt out of Google's use of cookies by visiting the Google advertising opt-out page or by visiting the Network Advertising Initiative opt out page.
  • Users may opt out of DoubleClick's use of cookies by visiting the DoubleClick opt-out page or the Network Advertising Initiative opt-out page.
  1. Personalised URL link

On occasion, a personalised URL (link) is displayed on the MiWayLife website that directs a visitor to a personalised web page. The personal URL is readily identifiable and may result in the disclosure of personal information. By clicking on that link and accessing a personal web page you agree to allow MiWayLife to collect information about your session visits. MiWayLife may use this information to help it provide you with information that matches your interests. If you do not wish your personal information to be used in this way, please notify us.

  1. Children

While few, if any, of MiWayLife's website content is directed towards children, MiWayLife is committed to comply with all applicable laws aimed at the protection of children and in particular the protection of their personal information.

  1. Updates

This privacy statement was last updated in May 2017. A notice will be posted on the home page of the MiWayLife website whenever the privacy statement is materially changed.

  1. Questions regarding this statement

Questions regarding this statement may be directed to webmaster@miway.co.za for clarification.