Liberty

Founded in 1957 by Sir Donald Gordon, Liberty is one of the leading insurance providers in South Africa.

Their purpose is to improve people's lives by enabling their financial freedom through knowledge and action. They offer investment and insurance solutions to help people achieve their financial goals and protect them from unexpected events.

Liberty also provides group risk solutions for businesses and encourages employee development. They offer online solutions for those who do not need financial advice and provide transparency in their financial performance through investor relations.

Liberty's shared value strategy for long-term business success

Liberty has developed a strategy for creating shared value that concentrates on the essential elements for their long-term business success, such as engaged employees and mutually beneficial stakeholder relationships. Their purpose is to maintain a superior image and reputation while enabling financial freedom for their clients.

Their dedication to responsible business practices ensures their capability to deliver on their vision of becoming a trusted leader in selected markets through providing outstanding client and adviser experiences and being transparent and accountable to stakeholders.

An unwavering commitment to you

With a strong focus on customer satisfaction, Liberty has established itself as a trusted partner for individuals and businesses alike.

Their dedicated team of insurance professionals is committed to providing expert advice and support to help you choose the right insurance plan for your needs. With a focus on transparency and open communication, Liberty ensures that you’re always informed and empowered to make the best decisions for your financial well-being.

Focused on your well-being through every stage of life

Liberty has been a trusted partner to their clients for over 60 years. They have been there for their clients through every moment of their lives, from their first day of work to the day they retire.

They have celebrated with their clients during happy moments, such as marriage proposals and the birth of children, and supported them during tough times, like the passing of loved ones or accidents. Through every stage of life, they’re by your side ready to provide you with the support that you need.

Liberty offers a range of income protection cover options that provide you with financial protection against unexpected loss of income.

Do you really need income protection?

Having income protection insurance is crucial to maintain financial stability when someone is unable to work either temporarily or permanently. If you're a salaried employee, this insurance provides a safety net for your monthly expenses, including paying off any debts, and is a vital component of your financial planning and protection. 

For self-employed individuals, not being able to work can severely impact their business's finances in the short term. With income protection coverage, overhead expenses can be covered, which can provide additional peace of mind that the monthly expenses needed to keep the business running will be taken care of.

Liberty's Lifestyle Protector: the income protection benefit

Liberty's Lifestyle Protector offers Income Protector, a flexible benefit that provides comprehensive coverage for a portion or all of your after-tax income. You have the option to extend the coverage for up to 24 months or until your targeted retirement age, based on underwriting. Additionally, you can add other benefits to your policy to increase your coverage as your needs change over time.

Income Protector is not limited to salaried individuals, as self-employed individuals can also benefit from it. Business owners can add Income Protector to their policy to protect their income and overhead expenses in case they’re unable to work due to illness or injury.

The benefits of income protection

• Financial stability: Income protection can help provide financial stability during periods of temporary or permanent inability to work due to illness or injury, by providing a safety net for monthly expenses, including debt repayments.
• Customisable coverage: Liberty offers customisable income protection coverage options that can be tailored to fit the specific needs of different individuals and businesses.
• Coverage for self-employed individuals: Income protection cover can be especially beneficial for the self-employed, as the inability to work could have a severe financial impact on the business in the short term.
• Peace of mind: With income protection coverage from Liberty, individuals and businesses can have peace of mind that they’re prepared for unexpected events and have a financial safety net in place.

How much income protection do you need?

A financial needs analysis will determine the appropriate coverage amount based on your unique needs, including any existing insurance cover and monthly expenses.