RISK COVER PROTECTION

Presentation By Tshepho Chokoe

Financial Adviser at Liberty Life

Helping you understand your risk needs is our priority

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Contents

Topic Page

I. What is risk cover? 3

II. Why risk cover? 4

III. Who should get risk cover? 7

IV. When to get risk cover? 8

V. Where to get risk cover? 9

VI. Conclusion 11

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I. What is risk cover?

Risk Cover - Protect you against financial loses, and provides you with a cash payout should you suffer one of the specified critical illnesses or trauma events or become disabled.

When you are diagnosed with a serious illness or injured your quality of life can be reduced significantly. Be advised that you are likely to incur considerable additional lifestyle adjustment expenses so risk cover is intended to give you financial peace of mind and enables anyone to afford the best possible care for their families.

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II. Why risk cover?

The chances of acquiring a serious illness is unfortunately increasing – you are 4 times more likely to suffer a critical illness before you turn 65 than you are to die.

Latest South African critical illness statistics:

A. 1 in every 3 people will be diagnosed with cancer.B. 1 in every 11 females will be diagnosed with

breast cancer.C. 1 in every 4 people will suffer a heart attack.

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II. Why risk cover? continue

Latest South African critical illness statistics:

D. There are 8 heart attacks every hour in RSA.E. 8 out of a 100 people will suffer a stroke.F. 60% of those 8 people are women, and 25% of

those will be under 45 years of age.G. 10% of stroke patients recover completely, 53%

will be completely dependent on others.H. The average age of dread disease claims in

South Africa is age 41.

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II. Why risk cover? continue

Top 5 Claim Causes

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III. Who should get risk cover?

Over 150 conditions are grouped into 31 benefit categories.

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IV. When to get risk cover?

We all like to think that we will never suffer from impairment or disability, but we have to be realistic and accept the fact that you may get a serious illness. The reality is that impairment, due to illness or an accident can leave anyone in a position that could disable you and prevent you from reaching your full potential.

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V. Where to get risk cover?

Liberty offers The Living Lifestyle benefit, our critical illness cover, has been enhanced to offer even more comprehensive protection than before. The Catch-All benefit is specially designed to allow you greater scope to claim for a serious condition with a severe impact on you and it is free of charge. Liberty benefits allows you to have the freedom to live your life free from worry about life’s unpredictable events. We provide comprehensive coverage and financial security for more than 150 different critical illnesses and trauma-related events.

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V. Where to get risk cover? continue

Delivering on our commitment: 2015 Paid Claims

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Conclusion

Life is meant to be lived to the full, every moment is a gift and we want you to enjoy it without worrying about the future. At Liberty we know that impairment or disability can have serious effects on your income and expenses currently or in your retirement years. Being covered for your entire life, even after retirement, is crucial as people are living longer. There is no better time than now to prepare and build a positive future and be protected from risk.

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THANK YOU!!!

QUESTIONS

?FINANCIAL ADVISOR:

TSHEPHO CHOKOE (082) 445 2287(011) 445 7329

TSHEPHO.CHOKOE@LIBLINK.CO.ZA