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.
Your working career is likely to be your most financially productive life stage. It is therefore crucial that, during this time, you make sound and informed financial decisions to ensure your current and future financial freedom. In order to do so, you would need to be aware of your current and future financial needs, and whether they are being optimally provided for. It is therefore important to be aware of your current retirement savings, risk cover that you have in place to protect against unexpected events, and the additional services available to you.
Your Investment Strategy for Retirement
Depending on the investment strategy elected for your scheme by your employer, your retirement savings may be invested in either our Core Investment Strategy, or, a strategy uniquely designed by your employer and their financial adviser. Your investment strategy will determine how your retirement savings is allocated between our different investment portfolios offered.
Our Core Investment Strategy
This strategy, and its corresponding portfolios chosen, has been chosen by the Board of Trustees to be the most suitable for the majority of the members within a fund, and includes two options:
The retirement goals-based strategy, suitable for you if your focus is on long-term retirement adequacy, and tracking your retirement goal every year using Liberty's guided framework. This strategy invests in our Core Portfolio range (Liberty Core Balanced, Liberty Core Moderate and Liberty Core Conservative).
A smoothed absolute return investment strategy, suitable for you if you are more risk averse and prefer low investment return volatility, which invests in our Liberty Stable Growth Fund.
Other Investment Strategies:
We also offer a wide range of investment portfolios to cater for where your employer and their adviser feel that the membership profile and risk appetite of your fund does not fit within the Trustee Core Investment Strategy. This includes life stage portfolios, tracker portfolios and multi-manager portfolios as well as portfolios from other asset managers such as Allan Gray, Coronation, Ninety One and Prudential.
Further information on our investment portfolios can be found here: Fund Fact Sheets
Your Risk Benefits
Our risk solutions aim to help you prepare for unexpected life events, and assist in making your and your family's financial freedom possible. We offer the following risk benefits, from which those available to you are selected by your employer as part of your benefits within the fund:
If you pass away while still employed, our Death benefit will pay a cash lump sum and/or a regular income to your loved ones who have been nominated as your beneficiaries.
If you are unable to work due to serious illness or injury, our Disability benefit will provide you and your family with reliable financial security through a monthly income or a lump sum benefit.
Recovering from a severe illness or condition can have a significant financial and emotional impact on you and your family. Our Dread disease benefit pays out a cash lump sum to help ease this burden, allowing you and your family the opportunity to adjust to a new way of life.
As one of the key factors for success, education is vitally important. Our Educator benefit is designed to help cover the cost of education for your children if you are unable to work due to disability, or if you pass away while still employed.
If you, your spouse or children under the age of 21 pass away, our Funeral benefit will pay a cash lump sum to the nominated beneficiaries. Additional services, including body repatriation and other funeral assistance services, are provided by Cims South Africa (Pty) Ltd and are automatically included as part of the Funeral benefit.
Further information on our member risk benefits can be found here: Corporate Risk Offerings
Your Value-Added Services
Our suite of additional and emergency services aims to provide the best possible care when you and your family need it most. We have partnered with an external service provider, Cims South Africa (Pty) Ltd, in order to provide a comprehensive range of Value-Added Services. If you have access to these services through your employer, then they are also automatically available to your spouse and your dependents under the age of 21, and include:
24-hour emergency medical information service
Emergency ambulance service
Medical repatriation on hospitalization
Legal advice from qualified and registered attorneys
Trauma assistance helpline
Should you wish to make use of any of our Value-Added Services, please contact:
086 172 4247 (if you are within South Africa)
+27 11 966 5011 (if you are outside of South Africa)
Further information on our Value-Added Services can be found here: Value-Added Services
Contact your fund financial adviser for further information regarding your investment options, risk benefit options and Value-Added Services. Alternatively, you can contact Liberty's benefit counsellors on email@example.com or
011 558 2999.
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