Sanlam Life paybill number 120 120
⚠️ Insurance paybills change occasionally as insurers reorganise vendor relationships. Always confirm with the insurer's customer service or your policy document before sending money. If the paybill below doesn't work, contact the insurer directly. Pay Sanlam Life insurance premiums via M-PESA paybill 120120.
Verified with caveat on 14 May 2026, see notes belowhow we verify
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Calculate what this transaction will cost
Use the M-Pesa fees calculator to see the exact 2026 cost, in KES or your home currency if you're paying from abroad.
Open calculatorAccount number for Sanlam Life
- Format
- Account number
- What to type
- Use your Sanlam policy number.
- Common mistake
- Including a hyphen, slash, or space: most paybill systems reject the entry silently and the money waits in suspense until manually reconciled.
Sanlam Life payment not working? Top fixes
Common failure modes when paying Sanlam Life via M-PESA, with the first fix to try. If none of these resolve it, the 10-character M-PESA transaction code is the universal proof of payment, keep the SMS until the issue clears.
Premium paid via M-PESA but the policy still shows lapsed or unpaid.
Most insurers reflect premium payments within 24 hours. If longer, email the insurer with your M-PESA code, policy number, and the amount. Standard turnaround is 48 hours to manually credit and reinstate cover; ask for a confirmation email so you have proof if you need to claim before their system updates.
Still stuck? How to reverse an M-PESA transaction and M-PESA error code lookup.
M-PESA paybill cost
What does paying Sanlam Life cost you?
For KES 2,500 to Sanlam Life (paybill 120120), you pay KES 33 on top (total KES 2,533 debited from M-PESA). The fee is set by Safaricom, not by the paybill.
Result
Fee
KES 20
Total cost
KES 2,520
Free for transactions up to KES 100.
Some paybills (e.g., government services on eCitizen) are zero-rated, Safaricom waives the customer fee. Confirm with the receiving entity.
Fees are typically lower than Send Money for the same amount.
Updated for 2026 Safaricom tariffs. Verify on safaricom.co.ke before sending large amounts.
How to pay Sanlam Life
M-Pesa
Pay via M-Pesa 120 120
- Open M-Pesa, dial *334# or open the M-Pesa app.
- Select Lipa na M-Pesa, then Pay Bill.
- Enter Business Number: 120 120
- Enter Account (Account Number): Use your Sanlam policy number.
- Enter the amount, in KES.
- Enter your M-Pesa PIN and confirm. You'll get an SMS confirmation.
Account format
Account Number: Use your Sanlam policy number.
M-PESA cost to pay Sanlam Life (2026 Safaricom tariff)
Total customer fee when paying paybill 120120 from M-PESA at common amounts. Fees are the standard Safaricom paybill bracket; some government services (eCitizen, KRA, NHIF/SHA) are zero-rated and these fees may be waived.
| If you pay Sanlam Life | M-PESA fee | Total off your M-PESA |
|---|---|---|
| KES 200 | KES 5 | KES 205 |
| KES 500 | KES 5 | KES 505 |
| KES 1,000 | KES 10 | KES 1,010 |
| KES 2,500 | KES 20 | KES 2,520 |
| KES 10,000 | KES 48 | KES 10,048 |
| KES 50,000 | KES 67 | KES 50,067 |
Free for amounts up to KES 100. Sanlam Life does not charge its own fee on top of the M-PESA tariff; what you see is what you pay.
See full M-PESA fee bands, limits, and the 20% excise duty explained for every amount up to KES 250,000.
Sanlam Life payment not working? Top fixes
Common failure modes when paying Sanlam Life via M-PESA, with the first fix to try. If none of these resolve it, the 10-character M-PESA transaction code is the universal proof of payment, keep the SMS until the issue clears.
Premium paid via M-PESA but the policy still shows lapsed or unpaid.
Most insurers reflect premium payments within 24 hours. If longer, email the insurer with your M-PESA code, policy number, and the amount. Standard turnaround is 48 hours to manually credit and reinstate cover; ask for a confirmation email so you have proof if you need to claim before their system updates.
Still stuck? How to reverse an M-PESA transaction and M-PESA error code lookup.
Calculator preview
M-Pesa fees for Sanlam Life
| Amount | M-Pesa fee | Total cost | % fee |
|---|---|---|---|
| KES 50 | Free | KES 50 | , |
| KES 200 | KES 5 | KES 205 | 2.50% |
| KES 1,000 | KES 10 | KES 1,010 | 1.00% |
| KES 5,000 | KES 34 | KES 5,034 | 0.68% |
| KES 20,000 | KES 62 | KES 20,062 | 0.31% |
About Sanlam Life
⚠️ Insurance paybills change occasionally as insurers reorganise vendor relationships. Always confirm with the insurer's customer service or your policy document before sending money. If the paybill below doesn't work, contact the insurer directly. Pay Sanlam Life insurance premiums via M-PESA paybill 120120.
- Sector
- Insurance
- Official site
- sanlam.co.ke
Frequently asked about Sanlam Life
What is Sanlam Life's paybill number?
Sanlam Life's M-Pesa paybill is 120120. ⚠️ Insurance paybills change occasionally as insurers reorganise vendor relationships. Always confirm with the insurer's customer service or your policy document before sending money. If the paybill below doesn't work, contact the insurer directly. Pay Sanlam Life insurance premiums via M-PESA paybill 120120.
How do I pay Sanlam Life via M-Pesa?
Open M-Pesa, select Lipa na M-Pesa, then Pay Bill. Enter business number 120120, then your account (Use your Sanlam policy number.), then the amount, then confirm with your M-Pesa PIN.
What account number do I use for Sanlam Life?
Use your Sanlam policy number.
Can I pay Sanlam Life from abroad?
Yes, diaspora users typically send via remittance services like Wise, Sendwave, Lemfi, or WorldRemit, which deposit directly to Sanlam Life's paybill 120 120. Compare fees on our diaspora hub before sending.
What are the M-Pesa fees for paying Sanlam Life?
M-Pesa charges a transaction fee based on the amount sent. Use our M-Pesa fees calculator to see the exact 2026 cost for any amount.
What if I pay the wrong amount or use the wrong paybill?
Contact Sanlam Life support immediately with your M-Pesa transaction code. If you sent to the wrong paybill entirely, contact Safaricom on 100 (free from a Safaricom line) within 7 days to request a reversal, though success isn't guaranteed.
How do I confirm my payment to Sanlam Life went through?
M-Pesa sends a free SMS confirmation with a transaction code (e.g., ABC12DEF345). Save this code, it's your proof of payment. Sanlam Life should also confirm receipt via their channels.
Read deeper
Paybill & M-PESA mechanics
How M-PESA, paybills, and Safaricom merchant systems actually function.
Pillar guide
How M-Pesa paybills actually work
The technical anatomy: from the merchant, through Safaricom, to the bank, and why charges work the way they do.
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Paybill displayed: 120 120 (mpesa paybill). How we verify.