Your ability to earn an income is your biggest asset – protect it.
Your income not only determines your lifestyle, but also your future. You may however suffer an unfortunate event that sees you becoming disabled, physically impaired or being diagnosed with a critical illness. The consequences of this to your ability to earn an income could be drastic but the effect on your ability to lead a fulfilling life shouldn’t be.
At Liberty we understand this and have created the industry’s most comprehensive income protection solution covering a wide range of scenarios that could negatively affect your income.
With a range of market firsts, flexible options and the ability to tailor solutions to meet your specific needs and pocket, you have complete peace of mind knowing you are covered against life’s uncertainties.
Let’s meet and have a conversation around what your actual requirements are, and let’s put something in place to protect your ability to earn.
Protecting your ability to earn your income is non-negotiable. But your inability to do your job due to an accident, injury or illness is only part of what could threaten this. Unlike traditional income protection benefits, we look at everything that could negatively impact your income, for example, retrenchment, critical illness and even maternity - to provide you with unparalleled protection. You can even extend your cover to protect your family against a range of risks as well.
WHY YOU NEED MEDICAL GAP COVER
As a medical scheme member, you would probably expect your full costs to be covered if you are ever hospitalised. Unfortunately, this is seldom the case. Medical scheme benefits are limited to the Medical Scheme’s Tariffs (MST) and medical practitioners can charge considerably more than the MST. Certain medical specialists have been known to charge up to five times the MST.
This creates a shortfall — or gap — between the MST and the medical practitioner’s charge. Your medical scheme does not cover this and you are liable for this amount. The actual cost of many procedures performed by surgeons, anaesthetists and other medical practitioners can add up to sizeable payment gaps.
I'm a financial adviser looking to develop long term relationships with my clients.