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In the heart of South Africa, where dreams take root and families thrive, there exists a testament to resilience, commitment, and unwavering support. For two decades, Lifestyle Protector by Liberty has stood as a beacon of protection, elevating the lives of countless individuals and families. As we commemorate this remarkable milestone, we embark on a journey through time, reflecting on the profound impact this flagship risk offering has made, and profiling its four pillars of unwavering support.
Lifestyle Protector has paid out R46 billion in claims, effecting real change in the lives of 43,000 families across South Africa.
Liberty’s steadfast dedication to ensuring that its clients thrive in the face of adversity is a story that can be told in many ways by different people – and at the centre of each story are Liberty’s trusted financial advisers, guiding clients along.
Lifestyle Protection: When Life Does The Unexpected:
Liberty financial adviser, Wynand Visagie recalls helping a client – who became a friend over time – whose life took a tragic turn just 3 months into his Lifestyle Protector cover. “He experienced a heart attack, which impacted his business as he lay in hospital. Unfortunately, a few months down the line, he passed away. It’s worth noting that his policy hadn’t even reached its second anniversary, yet Liberty upheld their end of the agreement and honoured the claim, paying his life insurance to his beneficiaries.”
Visagie emphasises that protecting what you have – your wealth – must be a top priority for every person. “We take on these risks on behalf of our clients, providing them with the assurance that their family can maintain their lifestyle no matter what,” says Visagie.
Loss Of Income Protection: Securing Your Income:
According to Mthuthuzeli Gqweta, Liberty’s financial adviser, experiencing the claims journey – especially income protection claims – can be emotionally charged and challenging for both clients and insurance providers.
“One of the most significant sources of fulfilment in this journey is knowing that the client or their family is now financially secure and has the means to maintain their lifestyle despite adversity.”
Gqweta tells of his male client who was plagued by varying fears upon getting diagnosed with a critical illness.
“He was concerned about the mounting medical bills and the potential loss of income while he underwent treatment. And of course, he worried about how he would cover his living expenses during that time,” says Gqweta.
However, upon Gqweta explaining to him that Liberty’s Dread Disease benefit provides a lump-sum payout upon diagnosis which could be used to cover medical expenses, replace lost income, or support lifestyle adjustments – his client’s fears were allayed.
Life Protection A Life Covered, A Life Lived:
Sarah, a middle-aged frontline nurse working during the throes of the COVID-19 pandemic, was also Gqweta’s client at the time.
“Her sacrifices were not just for her family, but for the greater good of her community. Despite the risks, she continued to provide care and comfort to those in need,” he says.
“Sarah contracted COVID-19 herself, and despite her brave fight, she succumbed to the illness at the age of 50. Her passing left a void in the hearts of her family and community, but also proved that Sarah was not only a loving mother but also a responsible one.”
Years earlier, Sarah had the foresight to secure a Liberty Lifestyle Protector life cover, ensuring the financial security of her family even in her absence. With a life cover of R2 million, she made sure that her husband and two children would have a safety net to fall back on.
Policy Protection: Protecting Your Protection
Having adequate cover is critical, however, life can still tamper with your ability to maintain your policies particularly when going through a temporary financial difficulty. Future Protector gives you the option when purchasing Life Cover to purchase additional benefit cover in future without undergoing the underwriting process. With this feature, you increase your insurability benefit and can experience full 360-degree protection in the life you want to live as you grow and move through life.
In celebrating 20 years of Lifestyle Protector, we honour not only the financial security it has provided but also the countless dreams it has protected and the futures it has empowered. As South African families continue to build their legacies, Lifestyle Protector stands as a testament to Liberty's unwavering commitment to securing and nurturing lives, ensuring that today's dreams find a secure footing for tomorrow's realities.
*The real names of individuals mentioned in this article have been changed to protect their privacy.
This post and content is sponsored, written and produced by Liberty.
