Life( Bond cover ),Disability, Dread disease cover

Coverage Available Up To: Age 70 (for most benefits, unless Whole of Life is selected)

 What Liberty Offers:

Income Protector

Replaces lost income if you’re unable to work due to disability or illness.
Covers up to 100% of after-tax monthly income.
Options for temporary, partial, or permanent disability.
Can include dual occupations (primary + secondary).
Child Illness Protector (Free Benefit)

Pays up to R30,000/month for 12 months if your child is terminally ill.
Automatically included with Income Protector.
Impairment Income

Pays a monthly benefit if you suffer a permanent impairment, even if you can still work.
No waiting period.
Can be selected as a standalone or added benefit.
Living Lifestyle Protector

Pays a lump sum or monthly amount if you’re diagnosed with a critical illness.
Up to 24 months of Income Protector sum assured for severe conditions.
Ancillary Benefits (can be added)

Bonus Cover – protects annual bonuses.
Overhead Expenses Protector – covers business costs if disabled.
Retrenchment Protector – pays up to 6 months if retrenched.
Guaranteed Dependant Protector – pays lump sum if you die soon after a disability claim.
 Important Coverage Periods & Waiting Times

Cover Periods: Up to age 60, 65, 70, or Whole of Life.
Payment Periods: Up to 2 years, or to age 60/65/70.
Waiting Periods: Choose from 7-day, 1, 3, 6, 12, or 24 months.
Claim Payment Starts: After waiting period ends and permanence of disability/impairment is established.
 Benefit Limits

Minimum: R2,000/month
Maximum:

Non-professionals: R200,000/month
Professionals: R300,000/month
Cannot exceed 100% of after-tax insurable income.



•Individuals aged 18 and above can apply for life cover for themselves or for eligible dependents.
•Applicants must be resident in South Africa and meet Liberty’s underwriting requirements.


Who Can Be Covered (Life Assured):
•Yourself (as the policyholder)
•Your Spouse or Partner (with insurable interest)
•Your Children (biological or legally adopted, typically up to age 18, sometimes up to 25 if financially dependent or studying)
•Other Dependents (if you have a financial obligation toward them, e.g., elderly parents)