Liberty · FSP 2409

Lifestyle Protector Life Cover

Liberty's comprehensive life cover, built to flex around your life. Choose how long you're covered and how the benefit pays out, with embedded features that add real certainty — for your family or your business.

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Whole-of-life or term cover Personal & business use Underwritten by Liberty

Cover that fits your needs

Lifestyle Protector life cover can be used for personal or business protection. On the personal side, it helps loved ones with ongoing expenses, settles debt and loans, or covers costs such as estate duty. For business, it insures against the loss of a key individual, funds a buy-and-sell agreement, or serves as collateral for a business loan.

Flexible by design

Whole of life or term

Choose lifelong cover, or term cover from 5 to 25 years — with premium patterns to match.

Lump sum or income

Have the benefit paid as a lump sum, or as a monthly income to your beneficiaries.

Immediate cover

Cover of up to R400 000 can apply after your application is lodged, before underwriting is complete.

Terminal illness benefit

The option of a 100% life-cover payout if you're diagnosed with a terminal illness and likely to pass within 12 months.

Optional add-ons

Funeral benefit — cover the whole family under one premium.
Education benefit (EduCator) — pays a child's tuition directly to the institution.
Income protection — add a monthly recurring income benefit to your life cover.
Immediate expenses benefit — a fast partial payout to a nominated beneficiary to help with immediate costs.

Cover may also be available to people living with HIV who meet the qualifying criteria. We'll help you tailor the right combination.

Lifestyle Protector FAQs

What is Lifestyle Protector Life Cover?

It is Liberty's comprehensive life cover benefit, offering flexible protection for individuals and businesses. You can choose whole-of-life or term cover, and a lump-sum or monthly-income payout.

Can I choose how long I'm covered?

Yes. You can choose whole-of-life cover for lifelong certainty, or term cover from 5 to 25 years. Different premium patterns are available to suit your needs.

What extra benefits are included?

Embedded features can include immediate cover before underwriting is completed, an immediate expenses benefit, and a terminal illness benefit. Optional add-ons include a funeral benefit, an education benefit and income protection.

Can it cover a business?

Yes. Lifestyle Protector life cover can be used for business purposes such as key-person cover, buy-and-sell agreements and loan collateral. See our Business Life Cover page.

Lifestyle Protector is underwritten by Liberty Group Limited, a licensed life insurer and authorised Financial Services Provider (FSP 2409), part of the Standard Bank Group. Benefits, embedded features, add-ons, waiting periods and eligibility criteria apply and are confirmed at application. This is a summary — full terms prevail. Speak to us for current details.