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.
We believe that you should always have a positive claims experience. We aim for a hassle-free turnaround time and want the process to be as easy for you as possible.
Follow the simple instructions below to download and submit a claim:
On the death of the life assured, a funeral benefit is paid out to the nominated beneficiary/ies, subject to the validity of the claim.
There are two ways to submit your claim.
Funeral Claims infographic on how to claim online
Click here to fill in the information required for your claim online on your phone, tablet or computer.
OR
Follow the steps outlined below:
Download the Claimant's Statement form here.
The nominated beneficiary/ies must complete and sign the form.
Submit the completed form and the standard requirements listed on the form.
Please send the completed form and requirement to: Email: info@liberty.co.za; | Call centre: 0860 456 789 and +27 (0)11 558 4871 | Post: PO Box 10499, Johannesburg, 2000 | Walk-in Centre: 1 Ameshoff Street, Braamfontein, Johannesburg, 2001
On death of the life assured, a sum assured benefit is paid out to the nominated beneficiary/ies, subject to the validity of the claim.
You can make a claim in one of two ways:
Use our digital form to send information and upload documents online.
We will explain what to do at every step, including which documents to send. You can upload these online as you go.
You don’t have to do everything at once – your changes are saved as you go, so you can come back at any time to complete the process.
We will check what you send us at each step and get in touch immediately if we need more information.
Once you’ve submitted the claim, we will keep you updated by email or you can view the progress online.
Download and fill in a claim form then send it to us, by post or email, with the documents we need.
The form has all the information you need to complete the claim, including which documents you need to send us and our contact details for sending everything through.
We will check what you send us and get in touch if we need more information.
Once you’ve submitted the claim, we will keep you updated by email.
Please send the completed form and requirements to: Email: info@liberty.co.za | Fax: 011 408 2005 | Call centre: 0860 456 789 and +27 (0)11 408 4871 | Post: PO Box 10499, Johannesburg, 2001 | Walk-in centre: 1 Ameshoff Street, Braamfontein, 2001
On death of the member of a Lifestyle Retirement Annuity Fund, Lifestyle Preserver Pension Fund or Lifestyle Preserver Provident Fund, the death benefit is payable to the dependant/s or nominated beneficiary/ies in accordance with the rules of the Pension Funds Act.
The dependant/s or nominated beneficiary/ies must complete and sign the form. *Please complete all questions and avoid using N/A.
Submit the completed form and the standard requirements listed on the form:
Email: info@liberty.co.za | Fax: 011 408 2005 | Call centre: 0860 456 789 and +27 (0)11 408 4871 | Post: PO Box 10499, Johannesburg, 2001 | Walk-in centre: 1 Ameshoff Street, Braamfontein, 2001
When the life assured becomes totally and permanently disabled or impaired as defined in the policy terms and conditions.
When the life assured is unable to perform his/her nominated occupation directly or indirectly due to an injury, illness, disease or surgical operation and has suffered a loss of income as defined in the policy terms and conditions.
When the life assured meets the benefit criteria of a critical illness/dread disease covered under the benefit categories in the policy terms and conditions.
The policyholder must complete and sign the form.
This is a hospital plan that provides you and your family with comprehensive health care cover for major medical expenses. Medical Lifestyle pays fixed benefits aimed at ensuring that the financial impact of a health care event is minimised.
Once Liberty has received your claim, along with all of the supporting documentation, the processing of the claim will commence.
Please ensure that you have provided us with your latest contact details so that we can keep in touch with you during the claim process.
In the event your claim is declined, the following Claim dispute process can be followed:Please contact us within 90 days if you would like to discuss the decision.
We follow a rigorous process to ensure that decisions are fair in terms of Treating the Customer Fairly (TCF) and in line with the terms and conditions of your policy and industry regulatory standards. If you feel that we have not complied with the aforementioned and would like us to reconsider our decision, you have the following options:
You may provide more informationIf you have received any new, updated information that would assist us with the reconsideration of your claim, please send this information to:Email: info@liberty.co.zaFax: +27 11 408 2005
You may request a reviewIf you do not have any new, updated information but would like us to review your claim, please send any concerns or motivation to our Review Committee. Please send this information to:Email: claims.review@liberty.co.zaFax: +27 11 408 2005
What is an unclaimed benefit?
An "unclaimed" benefit, in Liberty 's context, is a benefit that has not been paid or claimed by a policyholder, former policyholder or beneficiary within 6 months from the date it became due. In certain cases, unclaimed benefits also occur when a life assured attains a specific age and Liberty has lost communication with the policyholder.
What is Liberty's SA Retail Division doing about unclaimed benefits?
Liberty has embarked on a project to trace unclaimed benefit policyholders and has engaged with a third party contractor, Investment Consulting & Trustee Services (also known as ICTS) who assists Liberty to re-establish contact with policyholders/beneficiaries for Liberty to pay out unclaimed funds. The process involves tracing, verifying and presenting payment documentation to policyholders to facilitate payments. A confidentiality agreement was signed between Liberty and ICTS in order to protect the policyholder's personal information.
What should I do if I think I have unclaimed benefits with Liberty?
You may forward an email to ub@liberty.co.za with your full names, identity number and contact details.
What is ASISA and what is their role with regards to unclaimed benefits?
The Association for Savings and Investment SA (ASISA) has initiated a programme and Standard on Unclaimed Benefits for insurers to follow in order to ensure unclaimed benefits are reported on and a process is implemented for payment. Liberty is a participant in the programme and compliant with the ASISA Standard.
View the Asisa codes, standards and guidelines here.
This form must be completed for unnatural deaths and must be completed by the investigating officer.
Download the Statement by Police form here
Payment will be made via eft (electronic fund transfer) into the stipulated bank account.