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Liberty

Updated
  • Comprehensive Cover
  • Competitive Rates
  • Quick Online Quotes
Liberty homepage
Author Liberty. Screenshot of Liberty website.
[Accessed July 17, 2023]

About Liberty

For more than 60 years, Liberty has been dutifully providing financial services to individuals across Africa.

The company prides itself on being with you through all the moments of your life, from your first day of work to retirement, through marriage, the birth of children, and even the passing of loved ones.

A focus on your financial well-being

Liberty offers a range of solutions that focus not only on your finances but also on your physical and emotional well-being. This approach has helped the company grow from a South African life insurer to a Pan-African financial services company.

Their strategic partnerships give you the advantage

They value you and strive to constantly learn from your experiences, to improve and develop solutions that can be with you through the ups and downs of life. Their commitment to being in it with you has helped establish the company as a trusted provider of financial services across Africa.

Choose Liberty for financial freedom

Liberty's purpose is to improve your life by making your financial freedom possible. The company offers investment and insurance solutions that can help you reach your financial goals and protect against unexpected events.

Liberty offers you various options

Liberty offers a range of investment and insurance options that seeks to engage, develop, recognise, and reward you. For those who do not need financial advice, Liberty offers the ability to apply online for disability, life, income, or illness coverage.

They provide insight into the company's transparent operational strategies, trends, and financial performance for the investing public. They’re committed to putting knowledge into action to make a difference in your life.

A strong focus on improving society

Liberty considers education fundamental to creating opportunities for future employment and contributing to building a thriving economy. The company's flagship educational programs focus on literacy, mathematics, and science, aligning with the Department of Education's CAPS curriculum.

Liberty Services

They offer comprehensive critical illness coverage as part of their life insurance product offerings. This cover provides financial protection for a range of critical illnesses, including cancer, heart attack, stroke, and kidney failure.  

This cover is designed to provide peace of mind, allowing you to focus on your recovery without worrying about financial burdens. With Liberty’s critical illness cover, you can be assured that you and your loved ones are taken care of in the event of a critical illness diagnosis.

Specialised services that suit your individual needs

Having critical illness cover helps to protect your lifestyle when facing life's biggest challenges. The cover pays a lump sum if you’re diagnosed with a critical illness covered by the benefit, which can assist with expenses associated with lifestyle changes or unexpected costs incurred during treatment or recovery.

The Living Lifestyle benefit covers over 150 defined critical illnesses grouped into 31 benefit categories, including a Catch-All category for rare critical illnesses.

The benefit can be enhanced with top-up and extended options and automatically includes Medical Advancement Protection (MAP) at no additional cost. Unique benefits for women and children are also available. The appropriate cover amount can be determined with the help of a financial adviser or broker.

There’s no better time than now to secure your financial future

The coverage is customisable, allowing you to choose the level of coverage that best meets your needs and budget. This ensures that you’re getting the right level of protection for your unique circumstances.

A trustworthy and reliable insurer

Liberty is a trusted and reputable insurance provider with a long history of providing reliable and innovative insurance solutions. Their experienced team of professionals provides exceptional customer service and support, ensuring that you have the assistance you need when you need it most.

Liberty – Critical illness cover

  • Product Critical Illness Cover
  • Insurance Options
    A range of investment and insurance options to cater to your financial needs includes critical illness coverage as part of their life insurance products.
  • Specialised Services
    Includes specialised services that suit your individual needs. They offer Living Lifestyle benefits covering over 150 defined critical illnesses, top-up and extended options, Medical Advancement Protection (MAP), and unique benefits for women and children.

Benefits of Liberty

  • Provides financial protection for you and your loved ones in the event of a critical illness diagnosis. The lump sum payment received can help cover medical expenses, lifestyle adjustments, and unexpected costs.
  • Liberty's financial advisers conduct a holistic financial needs analysis to provide you with specific coverage that aligns with your unique circumstances. This analysis ensures that you receive tailored coverage and comprehensive information on benefits, guarantees, fees, premiums, and associated risks.
  • Allows you to request a critical illness cover quote that suits your unique needs. You can choose the level of coverage, and additional options, and adjust the details of your quote to align with your requirements and budget.
  • Once your claim is approved, the payment will be made through electronic fund transfer (EFT) to the designated bank account.

Get cover for the unforeseen with Liberty today

To obtain a critical illness cover quote that suits your unique needs, you can contact a Liberty financial adviser or your broker.

The adviser will conduct a holistic financial needs analysis to provide you with specific coverage and more information on benefits, definitions, guarantees, fees, taxes, limitations, charges, premiums, and associated risks.

Requesting critical illness coverage online

  1. Visit Liberty’s website and click on the "Get a quote" button.
  2. Fill out the online form with your personal information, including your name, contact details, and any relevant medical information.
  3. Choose the level of critical illness cover you want and any additional options, such as total and permanent disability cover or terminal illness cover.
  4. Review the details of your quote and make any necessary adjustments.
  5. Submit your quote request, and a Liberty representative will contact you with more information about your options and next steps.

Know how to make a critical illness claim

To make a claim, you must meet the benefit criteria specified in the policy terms and conditions. You must complete and sign the claimant's statement form and submit it along with the standard requirements listed on the form. The details of where to submit the form and requirements can be found on their website.

It's important to note that the process for claiming critical illness coverage may vary depending on the specific policy you have with them. It's recommended that you review the policy terms and conditions or contact Liberty for specific guidance on making a claim.

What happens once your claim is approved?

The payment for the claim will be made through electronic fund transfer (EFT) to the designated bank account. To ensure prompt processing of the claim, the correct beneficiary must claim, the policy must be current and all policy conditions and standard requirements must be met.

What is an unclaimed benefit?

An unclaimed benefit is one that has not been paid or claimed within 6 months from the date it became due. This can occur when a policyholder, former policyholder, or beneficiary has not claimed the benefit, or when Liberty has lost communication with the policyholder.

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Liberty is a trusted & reliable provider of critical illness cover

In our review, we found Liberty to be a company licensed to provide critical illness cover products and services, and is regulated under the Financial Sector Conduct Authority.

✅ Liberty is a registered and licensed insurance provider in South Africa: FSP 2409

Liberty Contact

Physical Address

  • 5th Floor, Menlyn Corner, 87 Frikkie De Beer St, Menlyn Pretoria Gauteng 0181 South Africa
  • Get Directions

Opening Hours

  • Monday 08:00 – 16:30
  • Tuesday 08:00 – 16:30
  • Wednesday 08:00 – 16:30
  • Thursday 08:00 – 16:30
  • Friday 08:00 – 16:30
  • Saturday – Closed
  • Sunday – Closed