Income Protector Enhancement

As a Liberty client, you've probably already taken the first step in covering your most valuable asset - your income. You're one of the few South Africans who are covered against a wide range of potential risks which threaten your ability to earn an income.

If you've included Liberty's Income Protector benefit in your risk portfolio, you know that it covers you against a wide range of potential risks which threaten your income.

But we know that your needs constantly change. It's our job to make sure that we keep up with both you and the trends in the market to make sure that you are covered. Which is why we have added some innovative new benefits to our existing Income Protection benefit offering.

Enhancements to improve your Income Protection benefits

As of 1 November 2019, we have integrated Absolute Income Protector (AIP) and Extended Absolute Income Protector (EAIP) into one seamless and comprehensive benefit called Income Protector

You now have access to the following additional features:

Dual occupation
Call it a side hustle, second job, , following your passion or developing your next career – if it makes up 20% of your annual income, we will cover it!

Top up to 100% after 24 months payment
We now offer you the ability to increase your income protection cover past 24 months from a limit of 75% to your full after-tax income. You are now able to cover your full income throughout your working life, to protect you if  you become critically ill or occupationally disabled that prevents you from working and earning an income.

Bonus cover payment
We also know that you need all your income, every day - even your annual bonus. If you rely on your annual bonus to make ends meet, we have an income protection solution just for you.

How you can access these new benefits

The good news is that there are no changes to your existing policy, features and benefits. You don't need to fill in any forms or reapply for cover. All you need to do to access these new benefits that are now available to you, as well as For more details about benefits, guarantees, fees, tax, limitations, charges, premiums or other conditions and associated risks, is to speak to your Liberty Adviser or Broker.

Liberty Group Ltd is a Registered Insurer and an Authorised Financial Services Provider (FAIS 2409).

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