Personal Life Cover
Liberty Risk (LP)
- Individual applications
- Joint applications
- Bond-related cover
Additional underwriting documents may be required.
Business Partner Protection
Liberty Buy & Sell
- Business partnerships
- Multiple shareholders
- Buy-sell agreements
This process is used for a buy-and-sell arrangement so that in the event of a shareholder's death or disability, the surviving shareholders can purchase the deceased's shares. All parties involved must provide ID copies.
Investment & Education Builder
Liberty (IB; EDU)
- Long-term savings
- Education funding
- Tax-efficient investing
For foreign clients, specific FICA requirements apply, including a Natural Persons FICA Form, Proof of Address, a clear copy of their Passport, and valid proof of a South African Bank Account.
Retirement Annuity
Liberty RA Builder
- Retirement savings
- Tax-deductible contributions
- Pre-retirement planning
For foreign clients, specific FICA requirements apply, including a Natural Persons FICA Form, Proof of Address, a clear copy of their Passport, and valid proof of a South African Bank Account.
Key Person Insurance
Liberty Keyman
- Protect against loss of key employee
- Business continuity
- Corporate-owned policy
This policy is designed to compensate a company for the financial loss it would incur should a key employee die, become disabled, or suffer a severe illness. The company is the owner, payer, and beneficiary of the policy.
Contingent Liability Cover
Liberty Business
- Cover for personal surety
- Protect personal estate from business debt
- Director protection
This policy is intended to cover business debts for which an owner or director has signed as a personal surety, thereby protecting their personal estate upon death or disability.
Evolve, Gateway or Hybrid
Liberty Investments
- Lump sum investments
- Section 14 transfers
- Hybrid investment strategies
This process covers the Evolve, Gateway, or Hybrid investment products. Ensure all FICA and payment method requirements are met.
Internal RA Transfer
Liberty Agile Switch
- Transfer between Liberty RAs
- Agile Switch to new RA
- Internal Section 14
This process is for an internal transfer of a Liberty Retirement Annuity via an Agile Switch or Section 14 transfer.
Annuity Transfer to Liberty
Liberty Single Life Annuity
- Transfer from STANLIB annuity
- New Liberty post-retirement income
This process is specifically for transferring an existing STANLIB Annuity to a new Liberty Single Life Annuity.
Guaranteed Investment (GIP)
Liberty GIP
- Capital protection
- Fixed-term investment
- Guaranteed returns
The maximum debit order request for this plan is R1,000,000.
Retire into Living Annuity
STANLIB
- Move from RA to Living Annuity
- Post-retirement income
- Retire Option
This process is for the 'Retire Option', moving funds from a Retirement Annuity into a new STANLIB Living Annuity.
Company-Owned Investment
Liberty / STANLIB
- Company as policy owner
- Business investments
- Director investments
This process is for an investment policy where a company is the owner. Ensure the Disclosure Letter and ROA are generated under the company's name.
Liberty Offshore Investment
Liberty International
- Foreign currency investment
- Geographic diversification
This process is for new Liberty Offshore Investment applications.
Funeral Cover
Liberty Funeral Plus
- Funeral and related expenses
This process is for the Liberty Funeral Plus Plan. An RPA is only required if an investment is being processed simultaneously.
Annuity with Capital Protection
Liberty Bundled Product
- Post-retirement income
- Capital protection on death
- Bundled risk & investment
This is a bundled product that includes a Life Annuity and a Capital Protection (risk) component. Ensure quotes for both are provided.
Investment for Minors
Liberty / STANLIB
- Investing for a child
- Guardian-managed policy
Key instruction: All documents must be generated under the guardian's name, EXCEPT for the Quotes and the Application Form, which must be generated and completed in the child's name.
STANLIB Offshore Investment
STANLIB International
- Foreign currency investment
- Geographic diversification
This process is for new STANLIB Offshore Investment applications.
Unit Trust Investment
STANLIB
- New unit trust accounts
- Lump sum or recurring investments
Ensure the Risk Profile Selection on the Quote matches the ROA or provide a reason for the deviation.
Preservation Pension Plan
STANLIB Classic
- Preserve retirement funds from a previous employer
Ensure the Risk Profile Selection on the Quote matches the ROA or provide a reason for the deviation.
Classic Discretionary Investment
STANLIB Classic Investment
- Discretionary savings
- Lump sum or recurring
Ensure the Risk Profile Selection on the Quote matches the ROA or provide a reason for the deviation.
Retirement Product
STANLIB
- General retirement savings vehicle
Ensure the Risk Profile Selection on the Quote matches the ROA or provide a reason for the deviation.