Sanlam Ltd. is a diversified financial services group which provides financial solutions to individual and institutional clients. Its solutions include individual, group and short-term insurance, personal financial services such as estate planning, trusts, wills, personal loans, health management, savings and linked products. The company operates through five clusters: Sanlam Personal Finance, Sanlam Emerging Markets, Sanlam Investments, Santam and Corporate & Other. It also offers business fitness assessment and insurance investment management, asset management, employee benefits, risk management, and capital market activities. Sanlam was founded on June 8, 1918 and is headquartered in Bellville, South Africa.