MRS L ALLAN

119 WESTVILLE ROAD Ref: 4968897/1//231201/05

WESTVILLE NORTH
3629

1 December 2023

Dear Mrs Allan

Policy Number 56906259100

Life Assured L ALLAN

Celebrating 20 years, together, with you!

As we reflect on the past 20 years, it is humbling to know that our Lifestyle Protector offering has insured the lives
of almost 1 million clients, with cover of R1.5 trillion to ensure that loved ones are protected and futures secured.
We have paid out over R46 billion in valid Lifestyle Protector claims, fulfilling our promise to our clients.

As we come up to your anniversary date, we thank you for trusting us with your insurance needs. It is something
worth celebrating knowing that you remain covered with one of the most comprehensive and flexible life
insurance products available.

Together we will continue to ensure that your life is covered, and that we will be there when you need us most.

Purpose of this Your policy anniversary date is 1 November 2023. On this day, in terms of the provisions

letter of your policy, your premium will change from R2 204.79 to R2 463.96.

Options to increase cover amounts for certain income protection benefits

If your annual income has increased you may increase the sum assured, subject to limits,
for certain income protection benefits without having to go through the full standard
medical tests. This option is subject to the rules set out for each benefit in the full terms
and conditions of your policy. Please contact your Financial Adviser or us if you would like
more information about this option.

Our objective is to pay all valid claims and to avoid any disappointment at claim
stage. To achieve this objective, it is important to inform Liberty or your Financial Adviser
if:

l You have changed your primary occupation or secondary occupation (if applicable)
(and/or duties thereof) or been retrenched.

l The nature of your occupation has changed (e.g. salaried to self-employed).

l You intend leaving South Africa for a period exceeding 60 consecutive days.

l Your income has reduced significantly.

LIBERTY GROUP LIMITED

LIBERTY CENTRE, 1 AMESHOFF STREET, BRAAMFONTEIN, 2001 P O BOX 10499, JOHANNESBURG, 2000
CONTACT CENTRE: 0860 456 789 / +27(0)11 558 4871 E-MAIL: [email protected] www.liberty.co.za
DIRECTORS: Y G H Suleman (Chairman), Y Maharaj (Chief Executive),
N Criticos, D W P Hodnett, N Khan, S P Ridley, C L Roskruge, H Walker
COMPANY SECRETARY: J M Parratt

Liberty - an Authorised Financial Services Provider in terms of the FAIS Act (Licence No. 2409). Liberty Group Limited - Reg. No. 1957/002788/06
 If you do not let us know, we may:

l Adjust your premium payable;

l Adjust your benefit sum assured;

l Adjust your terms and conditions; or

l Cancel the benefit or policy entirely.

l Reassess any disclosures made at the benefit Start Date for any changes made to
nominated occupation or duties of such a nominated occupation.

Important The detailed breakdown of your premium and or benefits is as follows:

Information
MRS L ALLAN
Before Anniversary (R) After Anniversary (R)
Benefit Description
Premium/s Benefit Premium/s Benefit

Life Cover 436.72 2 926 296.00 492.89 3 072 610.80

Immediate Expenses Benefit n/a 100 000.00 n/a 100 000.00

Living Lifestyle Plus (65) 881.84 1 950 864.00 994.97 2 048 407.20

Income Protector - Payable Monthly 303.84 45 518.00 p.m. 335.07 47 793.90 p.m.

Within The First 24 Months

Income Protector - Payable Monthly 567.39 45 518.00 p.m. 626.03 47 793.90 p.m.

After 24 Months

Premium Premium
Before Anniversary (R) After Anniversary (R)

Admin Charge 15.00 15.00

TOTAL PREMIUM 2 204.79 2 463.96

Your Life Cover benefit has a Death Income feature. Please speak to your Financial
Adviser to ensure your proportion allocated to income (if any) is still relevant.

Please speak to your Financial Adviser to ensure that your benefits still adequately meet
your specific needs.

ADDLIB ADDLIB is a cashback benefit, paid in 5-year cycles, that may be available on your

Cashback Lifestyle Protector policy provided you meet the minimum qualification criteria. The
percentage of premiums you could earn back is dependent on meeting minimum sums
assured on qualifying Lifestyle Protector policy benefits, and minimum total asset values
on any qualifying investments that you may hold with Liberty.

The qualifying levels of the ADDLIB benefit are updated each year for inflation, and the
ADDLIB full terms and conditions and overall qualification criteria after 5 years. The table
below shows your ADDLIB cashback benefit scale* that will be applicable in your next
policy year.

ADDLIB Sum Assured

ADDLIB Total Asset Value R1 - R1 919 999 R1 920 000 - R9 575 000 - R25 515 000 or

R9 574 999 R25 514 999 more

R0 - R109 999 0.0% 0.0% 0.0% 0.0%

R110 000 - R1 919 999 0.0% 5.0% 5.0% 5.0%

R1 920 000 - R9 574 999 0.0% 7.5% 7.5% 10.0%

R9 575 000 - R19 139 999 5.0% 7.5% 10.0% 20.0%

R19 140 000 or more 7.5% 10.0% 20.0% 40.0%

*Subject to meeting the qualifying criteria and terms and conditions of the ADDLIB
cashback benefit. Refer to the ADDLIB section in your policy terms and conditions.

For details on any accrued ADDLIB cashback bonus to date, scheduled payment date and
how you can start earning or earn more on your ADDLIB cashback bonus speak to a
Liberty Financial Adviser or your Broker or contact us on 0860 456 789.
Premium Pattern You chose an "Age Rated Premium Pattern" at the beginning of your policy with an annual

Selected increase in your benefits. This means that your premiums will increase every year
according to the level of your cover and your age (at your next birthday) in that year. The
premium and benefit increases quoted at the beginning of your policy are guaranteed
during the first 10 years of your policy, after which they will be reviewed. Revised
premiums will then be proposed for the next 10 years.

Should your premiums be reviewed for any of the benefits on your policy after the
guarantee period (if any), Liberty will inform you of the revised premium through a separate
written communication prior to the review date. Should your premium increase and you do
not accept the increased premiums, options will be provided to you by Liberty, for example
benefits can be reduced to an appropriate level to continue providing cover.

All other terms and conditions of the original policy remain the same.

MyLiberty Track your financial future in your own time with MyLiberty
Visit www.liberty.co.za and logon to MyLiberty for round-the-clock, convenient access to
your information.

MyLiberty enables you to:

l View your policy information l View your premium status

l Update your personal details l View and download your
l Download your tax certificates correspondence from Liberty

l View your investment values l Find your financial adviser's contact

details

You will also find our range of Fund Fact Sheets, Performance Summary documents,
financial planning tools and calculators online.

Any questions Please contact your Financial Adviser, Carol Le Grange, at telephone number
(011)5132500, or our Call Centre on 0860 456 789 / +27 (0)11 558 4871, who will be happy
to discuss your changing needs.

The Liberty Group remains committed to acting in your best interest in the maintenance of your Liberty
policies.

Kind regards

Head: Client and Adviser Service Centre (CASC)

Liberty Group Limited

Financial Adviser: Carol Le Grange

Contact Number(s): (011)5132500 (071)6750482

Email Address: [email protected]

Address: A CARLSWALD CLOSE

C/O SEVENTH AND NEW ROAD

MIDRAND

HALFWAY HOUSE, 1682

409 ENVESTPRO FINANCIAL SERV (PTY) LTD

 Page 1 of 1
Policy 56906259100

LIFESTYLE PROTECTOR
ADDLIB - Annual Scale Update
Effective date - 1 November 2023
1. Updated ADDLIB benefit scale
In line with the terms and conditions of your ADDLIB benefit, we adjust the ADDLIB Total Asset Value and ADDLIB Sum Assured
categories within the ADDLIB benefit scale, each year, to allow for the effects of inflation. The ADDLIB benefit scale that will apply
to your Policy over the following year from the effective date is shown below:

ADDLIB Sum Assured

ADDLIB Total Asset Value R1 - R1 919 999 R1 920 000 - R9 575 000 - R25 515 000 or
R9 574 999 R25 514 999 more

R0 - R109 999 0.0% 0.0% 0.0% 0.0%

R110 000 - R1 919 999 0.0% 5.0% 5.0% 5.0%
R1 920 000 - R9 574 999 0.0% 7.5% 7.5% 10.0%
R9 575 000 - R19 139 999 5.0% 7.5% 10.0% 20.0%
R19 140 000 or more 7.5% 10.0% 20.0% 40.0%

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