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Dear [client name],

I hope this email finds you well.
I know that providing your family with complete financial security is important to your peace of mind, therefore I thought that Liberty's new Living Lifestyle Protector and Living Lifestyle Dependant Protector would be of interest to you. These optional extras within our income protection solution give you and your dependants comprehensive critical illness protection when you need it the most.
Protect your crucial income from critical illness.
A critical illness in your family will put severe pressure on your income. Whether the illness is suffered by you, your spouse or one of your children, your household expenses will increase as you cope with the lifestyle changes. This is why we have added the Living Lifestyle Protector and Living Lifestyle Dependant Protector benefits as options within our income protection solution. These benefits provide you with added peace of mind and security that your income will be able to survive a critical illness. You can't always choose your health and that of your family, but you can choose the cover to best deal with it.
  • Living Lifestyle Protector will pay you if you suffer a critical illness. It even includes cover for less severe conditions

  • Living Lifestyle Dependant Protector will pay you if your spouse or child suffers a critical illness

  • Your cover does not end if one member of your family claims, as we allow up to three claims under this benefit
How it works
Both Living Lifestyle Protector and Living Lifestyle Dependant Protector are optional benefits that can be included within your Income Protector package. Living Lifestyle Protector pays out up to 24 times the monthly amount you are covered for on your Absolute Income Protector benefit if you are diagnosed with one of the specified critical illnesses. Living Lifestyle Dependant Protector pays out six times the monthly amount you are covered for on your Absolute Income Protector benefit if your spouse or child is diagnosed with one of the specified critical illnesses. Claims for either of the benefits are assessed independently from any claims on the Absolute Income Protector benefit and will pay out over and above any claims which are paid on that benefit.

Consider this…
You may have a medical aid which covers medical expenses such as medication, hospital stays or surgical procedures. However a medical aid does not cover non-medical costs and lifestyle adjustment costs which a critical illness can and will lead to. A critical illness benefit is essential in ensuring that you have the finances available to pay for these additional expenses.
Please do not hesitate to contact me if you have any questions or would like to know more about Liberty's Living Lifestyle Protector and Living Lifestyle Dependant Protector. I really think that this could be of benefit to you.

My phone number:
My email address:
My cell phone number:

Kind Regards,
[broker name]

General disclaimer:
The information contained in this document does not constitute advice by Liberty. Any legal, technical
or product information contained in this document is subject to change from time to time. If there are any discrepancies between this document and the contractual terms or where applicable, any fund rules, the latter will prevail. Any recommendations made must take into consideration your specific needs and unique circumstances.

Liberty Group Ltd is an Authorised Financial Services Provider in terms of the FAIS Act
(License no. 2409) © Liberty Group Ltd 2012. All rights reserved.

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