Let us help protect you and your family from the financial impact of life's unexpected events such as death, disability and critical illness.
At Liberty, we offer investment solutions that can help you, as an individual, reach your investment goals.
Buy Life Cover, Salary Protection, Serious Illness and Disability Cover online.
Your family means a lot to you. What steps should you take to ensure that their current and future needs are met?
Liberty Corporate offers a wide range of risk and annuity products, tailored to an employee’s unique needs.
Liberty Corporate has a range of investment portfolios suitable as retirement funds and for businesses.
Liberty Corporate’s umbrella solutions give you the flexibility to structure employee benefits.
Liberty Corporate’s fully fledged administration team provides a comprehensive fund administration service.
Liberty Corporate provides a multitude of specialist consulting and actuarial solutions.
The Liberty Corporate Selection Suite of Umbrella Funds offers employers the opportunity to tailor an employee benefit solution for their staff, within the framework of an umbrella solution.
With a wide range of Liberty risk and investment solutions, as well as a choice of external risk underwriters and asset managers, an employer has ultimate flexibility in benefit structuring.
Employers with a wide range of employee groups can create benefit structures that are customised to satisfy each group.
Corporate selection umbrella fund - Your scheme detail booklet
Corporate selection umbrella fund - Scheme in Detail booklet (combined)
Corporate selection umbrella fund - Taxation at a glance
The LibertyCorporate Selection Suite of Umbrella Funds offers employers the opportunity to tailor an employee benefit solution for their staff, within the framework of an umbrella solution.
Liberty Corporate is committed to providing our clients with a holistic range of employee benefit solutions.
The following business-related and value-added services are offered through an external professional service provider to members, their spouses and dependants under the age of 21:
Emergency medical information, advice and referral hotline
Emergency ambulance service
Trauma assistance helpline
These value-added services are free and available 24 hours per day, 365 days per year, in the member's language of choice.
Value added services online
Value added servicesValue added service payslip AfrikaansValue added services payslip EnglishValue added services payslip SothoValue added services payslip Zulu
The above services are facilitated through Liberty Corporate but provided by Cims South Africa (Pty) Ltd.
The Corporate Selection Suite of Umbrella Funds operating expenses comprise three main types of fees or charges:
Management fees associated with the initial set-up and on-going administration
Scheme fees and statutory charges associated with ensuring governance and compliance with statutory requirements
Investment management fees, levied by
asset managers for services rendered.
Investment management fees, levied by asset managers for services rendered.
The Corporate Selection Umbrella Fund's operating expenses comprise three main types of fees or charges:
The suite of Corporate Selection Umbrella Funds offers a range of investment options that cater for both a member’s working life and their retirement.
Core Investment Proposition
The Core Investment Proposition is the Trustee default investment strategy. It was chosen because it is the simplest, most cost effective and suitable based on the profiles of all members within the Umbrella Fund.
There are 2 investment strategies within the Core Investment Proposition:
Retirement goals-based strategy
It is outcomes focused and aims to help members achieve their retirement goals. Members are allocated into one of three Core portfolios, based on their profile, using Liberty Corporate's framework. Members would receive annual tracking against their retirement goal and guidance on how factors such as age of retirement and changes in contribution rates affects their retirement savings and thus their retirement goal.
Absolute return strategy
This is for risk averse members; the underlying portfolio is Liberty Stable Growth Fund. It is protection-focused which means that it is designed to limit losses and smooths returns by reducing volatility over the long term.
Employers can also choose from a wide range of portfolios if the Core Investment Proposition does not suit their needs.
Members can remain invested in the fund at institutional rates when leaving employment to better achieve their retirement goals. They can preserve their investment in one of the four Trustee default portfolios or in any of the wide range of portfolios available.
Members can consolidate all their retirement savings at competitive rates to receive a regular income in retirement. They can choose to invest in one or both Trustee default annuities with their retirement savings.
We know that you care about your employees and their families. Our risk solutions cover a wide range of circumstances and provide for your employees when they might find themselves in financial need.
Group Life Assurance
Losing a loved one is always difficult, and can become even more so if those left behind experience financial strain as a result of this loss. If a member dies, our group life assurance benefit pays a cash lump sum to his or her loved ones.
Family Funeral Benefit
The days following the loss of a loved one are often the most trying for any family. Our family funeral benefit pays a lump sum if a member or someone in his or her immediate family dies.
This lump sum can help members and their families pay for funeral costs and any other immediate expenses.
Capital Disability and Impairment
This benefit is designed to provide financial security for members and their loved ones. It pays a lump sum in cash if a member becomes physically disabled or impaired due to an accident or illness. This financial security can help a member and his or her family adjust to a new way of life.
Recovering from a chronic disease has a significant financial and emotional impact on any family. Our dread disease benefit pays out a lump sum in cash to help cover the costs associated with members' illnesses, giving them and their families the opportunity to adjust to a new way of life.
Income Protection Plan
Our income protection plan provides members and their families with reliable financial security if they are unable to work due to serious illness or injury by providing them with a monthly income over a certain period of time.
Spouse's and Children's Pension
Losing a loved one is always difficult, and can become even more so if those left behind experience financial strain as a result of this loss. Our spouse's and children's pension benefit provides life cover that pays out in the form of an annuity to loved ones in the event of a member's death.
Our Educator benefit is designed to help cover the cost of a member's children's education should he or she die, or become totally and permanently disabled, whilst employed. This benefit is payable even if the member was not the school-fee paying parent.
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