Lifestyle Protector just got better
More flexibility, more cover, more benefits
We cannot promise to protect you from injuries or illness, but we can offer you the solutions to life’s what-ifs. With Liberty’s Lifestyle Protector you can get cover to meet your changing needs as you go through life.
None of us like thinking about all the things that can happen to us in life. At Liberty we know that we cannot protect you against life, but we can offer you the right cover to help you deal with the loss of income as a consequence of disability or impairment.
Income protection
Liberty has been offering our clients world-class income protection for more than 25 years. With our lump sum disability benefits you get a cash pay-out that enables you to settle your debts immediately and make lifestyle adjustments to ease the effect of your disability.
Different levels of cover:
Capital Disability benefits protect you against the risk of becoming permanently disabled to the degree that you can no longer work at your regular job.
Impairment cover refers to the loss of function in any part of the body, whether it is physical, functional or mental. Payment is made based on the level of impairment suffered and not on your ability to work.
Absolute Protector gives you the best of both worlds by combining Capital Disability and Impairment under a single benefit, taking away the burden and uncertainty of having to choose which type of cover might be most appropriate for you.
Absolute Impairment, like Impairment, covers the loss of function in any part of the body, whether it is physical, functional or mental. While Impairment provides you with a percentage of your cover amount depending on the level of impairment suffered, Absolute Impairment will pay out your full benefit amount, after which the benefit will cease.
What’s covered?
Most policies cover you for a specific list of impairments. Liberty covers you for a wide range of impairments, but, and here’s where we believe our product is far superior, Liberty also offers you the Activities of Daily Living (ADL) Catch All benefit category. This benefit gives you peace of mind because you are protected for conditions known and unknown; as long as the impairment has a severe enough impact on your ability to lead a normal life.
Industry first: Impairment cover – even if you’re retired
Have you thought about cover once you retire? You may have made provision for your retirement, but will you have enough to pay for additional expenses should you become impaired?
Liberty now offers you an industry first: cover for before and after retirement, all in one.
Whole of Life term – Lump Sum Disability Benefits
Before retirement, your need is protection against the risk that you will not be able to earn an income due to permanent disability or impairment. No one wants to think about the possibility of becoming disabled, but if the worst happens, our Whole of Life disability benefits will provide you with a lump sum pay out to help you cover your loss of earnings.
After retirement, you no longer face the risk of being unable to work if you become permanently disabled. However, due to aging you may become more vulnerable to impairments, illnesses and injuries; to losing your ability to function independently. Unfortunately dealing with these conditions will cost money and could negatively affect your standard of living. To protect you against this risk Whole of Life disability benefits transform to supplement your post-retirement income by providing you with a monthly income that increases with inflation for the rest of your life, should you suffer impairment after retirement.
Lump Sum Disability Benefits brochure
Contact a Liberty Adviser or Broker who’ll help you to make the right plans and preparations for life’s uncertainties. Alternatively call 0860 327 327 for more information.