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Empty Nester




Empty Nester

As an empty nester the needs of your loved ones are  still a priority, but retirement is a growing reality.​

​​What if you  could no longer work or take care of the family?

  • Because you are diagnosed with one of the major cancers and have incurred many associated costs?
  • Because you have to take time off work to recover from​ treatment, such as breast​​​ or testicular cancer?
  • Because as a father you had a heart attack and at this age passed away?
  • Or  even just lost a limb?

Are you adequately covered against the financial impact of such risks?

  • Can your spouse retire comfortably when you pass away?
  • Can you retire comfortably if your spouse passes away before you do?
  • Is your retirement income sufficient to pay for long- term care should you suffer a chronic illness?
  • Have you made provision for estate tax to avoid a forced sale of assets to generate cash?
  • Can your family afford  the immediate funeral costs  and  ongoing household bills after you pass away?

How much is enough cover?

Good to know​​


How to reduce the risk of a claim not being paid

Here are a number of ways to help ensure that you provide all relevant information and that your claims are paid:

  • Advisers should point out that failure to provide full medical and financial information at application may delay the underwriting processes and it could also lead to the cancellation of the policy or reduced payment at claim stage.
  • Consider the questions on the application form carefully and provide all relevant information.
  • Consider tele-underwriting if some of the information is sensitive − all client details are treated confidentially and stored securely with access to only a small number of authorised staff.
  • Regularly review your cover to ensure it remains in line with your needs and can be supported by financial evidence.​​​​​​​​​​​​​​​​


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Liberty Group Limited - an Authorised Financial Services Provider in terms of the FAIS Act (Licence no 2409)​