A life covered is a life lived.
The beautiful thing about life is that we have no idea what will happen tomorrow. It's also the scary thing about life. But between the beauty and fear, there's risk cover. Because no matter what happens tomorrow, we have life covered, so you and your loved ones can carry on living. Even if nothing happens, but especially if something happens. Lifestyle Protector allows you to create the best-case scenario should the worst happen.
Overview
Our Lifestyle Protector offers comprehensive cover that can be tailored to grow with your needs and provide the financial stability that you require at your different life stages. Income Protector replaces your salary when you’re no longer able to earn an income. Our Life Protection benefit ensures that the beneficiaries of your policy are taken care of upon your passing.
Lifestyle protector offers a range of products that best suits you as your life evolves.
*For research sources, go to research references
Life Protection
Life cover helps you plan for your family’s financial future should you no longer be around to provide for them.
Liberty's Life Cover provides security for your loved ones when you are no longer around. It ensures that your loved ones are taken care of in their time of need and are able to live beyond your passing, with a sense of financial comfort. We provide Life Cover that will give you the peace of mind that you deserve, knowing that your family is taken care of.
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Liberty's Life Cover is the last act of kindness that you can give to your loved ones. It ensures that your loved ones are taken care of when you are no longer around to take care of them.
Income Protection
Life’s unpredictable events are unavoidable but securing your income will ensure that you can still earn an income whilst you make plans to get back on your feet.
Liberty’s Income Protector helps you take care of your finances when you are unable to earn an income. We will cover your income and help you maintain your quality of life, whilst you recover or make your next move.
Our Income Protector offering covers a wide range of options to assist you through retrenchment, temporary loss of mobility or during your maternity period.
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Lifestyle Protection
The unexpected happens when you' re busy living life. You could be diagnosed with a critical illness or find yourself disabled, having to adapt to a new way of living. Have you considered the financial impact of such a life-changing event?
Liberty’s Living Lifestyle cover helps you maintain your quality of life or adapt to your new way of living by paying for unforeseen costs that may come with life-changing events.
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Liberty’s Living Lifestyle cover helps you maintain your quality of life by paying for unforeseen costs that may come with life changing events.
Wellness Bonus and ADDLIB Bonus
Get up to*50% cash back on your Lifestyle Protector qualifying premiums, by combining ADDLIB Bonus and Wellness Bonus benefit.
With ADDLIB Bonus, you simply continue paying your monthly premiums on your qualifying Lifestyle Protector and investment policies with Liberty
The Wellness Bonus benefit rewards you for living a healthy lifestyle, by giving you up to 40% cash back on your Lifestyle Protector qualifying premiums after five years, and every year thereafter, for your participation in wellness programmes recognised by Liberty.
These are optional benefits available on your Lifestyle Protector policy. There is no separate premium for ADDLIB Bonus, but a premium is associated with the election of the Wellness Bonus benefit.
For more details about benefits, income definitions, guarantees, fees, limitations, charges, premiums or other conditions and associated risks, please speak to a Liberty Financial Adviser or your Broker.
*Combine your Wellness Bonus benefit with ADDLIB Bonus and get even more – up to 50% of your premiums back.
UCount Rewards
We’re excited to announce an exclusive opportunity for Liberty Lifestyle Protector policyholders who hold a Standard Bank transactional account and are existing members of the UCount Rewards programme.
Now, with your Liberty Lifestyle Protector policy, you could earn valuable UCount Rewards Tiering points. Whether it's protecting your lifestyle or enhancing your rewards tiering points, Liberty is here is to help ensure that you get the most out of every aspect of your financial journey.
You can reap the UCount Rewards you deserve today while still protecting your future!
What is the UCount Rewards programme
UCount is a rewards programme offered by Standard Bank exclusively for its clients. The UCount Rewards programme provides additional value to Liberty’s Lifestyle Protector policyholders, enhancing their overall benefits and experience.
Who qualifies?
Clients who have a Liberty Lifestyle Protector policy and have UCount Rewards activated on a Standard Bank transactional credit, cheque, or debit card account, qualify for this offering. UCount Rewards Tiering Points will be allocated to Liberty Lifestyle Protector policyholders who are existing UCount rewards members, and not to the beneficiaries or lives assured on the policies.
How many UCount rewards tiering points can you earn?
Lifestyle Protector policyholders with an active policy will automatically earn UCount Rewards tiering points based on their qualifying monthly premium of over R350.
The UCount Rewards Tiering points that policyholders will earn depends on the total premiums paid on their Lifestyle Protector policy/policies. *Policyholders will earn up to 100 rewards tiering points each month, which could move them up a level on the tiering system, and ultimately mean more rewards points, depending on their monthly transactions.
Effective date
Liberty’s Lifestyle Protector is officially a recognised product within the UCount Rewards programme from 1 July 2024, and the first tiering points will reflect on clients’ UCount profiles by 31 August 2024. *Thereafter, the tiering will be allocated monthly based on monthly premiums of over R350 being paid up to date.
*UCount Rewards T&Cs apply.
For more information
If you have any questions or need to look up the UCount tiering points for your Lifestyle Protector policy, you can log into your UCount member profile or visit the UCount website.
UCount Rewards queries
UCount Call Centre: 0860 UCOUNT (826868)
Email: [email protected]
For Lifestyle Protector queries
Liberty Call Centre: 011 558 4871 / 0860 456 789
Email: [email protected]
Disclaimer: This document contains links to content belonging to UCount and Standard Bank and aims to provide more details, information and terms and condition of the UCount Rewards Programme. This material does not constitute tax, legal, financial, regulatory, accounting, technical or other advice. The material does not contain any personal recommendations and, while every care has been taken In formulating the information and the portal links for this material (based on the information available to us at the time), no member of Liberty gives any representation, warranty or undertaking (expressed or implied) and accepts no responsibility or liability as to the accuracy, or completeness, of the information presented nor to the safety and security of the portal links provided or the sites to which it links. If you connect to any third party through a link that we provide, you agree that we are not responsible for any loss that you may suffer; and you give up your right to claim against us for any loss that you may suffer. Any recommendations made by an adviser or broker must take into consideration the client's specific needs and unique circumstances. No part of this document may be reproduced or distributed in any form without Liberty's permission. Liberty Group Ltd is a licensed Life Insurer, an Authorised Financial Services Provider (no. 2409) and part of the Standard Bank Group. The Standard Bank of South Africa Limited (Reg. No. 1962/000738/06) is an Authorised Financial Services Provider and a Registered credit provider (NCRCP15). UCount Rewards is Standard Bank’s reward programme. Terms and Conditions, risks and limitations apply.