I am an individual

PRODUCTS

  1. Insurance Zone Life Insurance
  2. Insurance Zone Income Protection
  3. Insurance Zone Dread Disease Cover
  4. Insurance Zone Policy Protection Cover
  5. Insurance Zone Savings & Investments
  6. Insurance Zone Retirement Planning

Insurance Zone Life Insurance

Life Insurance

No-one can prevent the ups and downs of real life, but IZAC can offer you life insurance solutions to cope with the loss of income caused by disability, death or impairment.

Liberty's world-class disability products include lump sum pay-outs to help you to settle debt, as well as an income protection benefit, which can pay you a monthly income in the event of being disabled.

  • Capital Disability benefits protect you against the risk of becoming permanently disabled to the degree that you can no longer work at your regular place of employment.
  • Impairment Cover refers to the loss of function in any part of the body, whether physical, functional or mental. Payment is based on the level of impairment suffered and not on your ability to work.
  • Absolute Protector gives you the best of both worlds, by combining Capital Disability and Impairment under a single benefit. This removes the burden and uncertainty of having to choose the type of cover that’s most appropriate for you.
  • Absolute Impairment, like Impairment Cover, covers a loss of function in any part of the body, whether physical, functional or mental. While Impairment provides you with a percentage of your cover amount depending on the level of impairment, Absolute Impairment will pay out your full benefit amount.

Most disability-type policies cover a specific list of conditions, but Liberty covers a wide range of impairments including the Activities of Daily Living (ADL) catch-All benefit category. This covers you for known and unknown conditions, as long as the impairment impacts on your ability to lead a normal day-to-day life.

Please contact us directly to discuss your specific circumstances and needs.


Insurance Zone Income Protection

Income Protection

This is one of the industry's most comprehensive and holistic income protection solutions, protecting you in the event that you cannot earn an income due to unfortunate circumstances.

  • Personal Income Protection safeguards your ability to earn a future income.
  • Family Income Protection is dedicated to protecting your family’s income and lifestyle.
  • Business Income Protection ensures that you can continue to cover your business’s overheads. (Find out more about business cover.)

Please contact us directly to discuss your specific circumstances and needs.


Insurance Zone Dread Disease Cover

Dread Disease Cover

Dread Disease / Critical Illness Cover is designed to pay you a lump sum if the inconceivable happens and you’re diagnosed with a critical illness or experience a trauma-related event.

  • Living Lifestyle is taken as part of your Life Cover policy, which means that a claim reduces the equivalent amount of Life Cover.
  • Living Lifestyle Plus is taken in addition to your Life Cover policy, which means that claiming on this benefit does not affect your Life Cover sum assured.
  • Critical Illness Cover will pay out a predefined amount if you’re diagnosed with one of a number of conditions. The list of conditions depends on the insurance provider, although most offer protection against approximately 32 illnesses.

Please contact us directly to discuss your specific circumstances and needs.


Insurance Zone Policy Protection Cover

Policy Protection Cover

In the event of a short-lived financial difficulty, the last thing you want is to risk losing your insurance cover because you’re temporarily unable to pay for it.

A Policy Protection benefit will pay your insurance premiums when you can’t, keeping your cover and benefits in place and giving you one less thing to worry about.

Please contact us directly to discuss your specific circumstances and needs.


Insurance Zone Savings & Investments

Savings and Investments

Whether you can afford to put aside a small monthly amount, or you have a lump sum you want to grow, you want your money to work for you.

Liberty and Stanlib's investment solutions cater for both conservative investors and those who prefer to take risks, with IZAC’s mandated advisors creating tailor-made solutions to suit the specifics of individual clients’ unique requirements.

  • Education Builder helps you to save for your child’s education on a monthly or annual basis, with optional features to protect you in the event of retrenchment, disability or death.  
  • Investment Builder helps you to save monthly or annually to reach a future goal, with extra features to safeguard your nest egg if you’re retrenched or disabled.
  • Investment Plan is a lump sum investment with a minimum term of five years. It allows you to gain exposure to more than one investment portfolio on the same investment policy. An initial minimum investment of R12 500 applies.
  • Unit trusts allow you to invest in the stock market without necessarily having the expertise, time or money to handle it all yourself. A unit trust is made up of a group of people who invest collectively in a cash pool that is used to buy specified stocks. Each member purchases a share in the fund and is allocated units according to how much they invest and the trading price of the units.

Please contact us directly to discuss your specific circumstances and needs.


Insurance Zone Retirement Planning

Retirement Planning

When you stop earning an income, your lifestyle has to be funded by investments, savings and pension fund and retirement annuities. So these have to be substantial enough to carry you for the rest of your life.

Liberty and Stanlib offer a variety of retirement products, whether you’re a conservative investor or someone with an appetite for slightly more risk.

  • Pension & Provident Fund Preserver is a lump sum investment product that protects the benefits received from your pension or provident fund. A minimum premium of R25 000 applies.
  • Retirement Annuity Builder is a regular premium investment product with a choice of professionally managed investment portfolios, intended to build capital towards retirement.
  • Flexible Annuity, also using a choice of professionally managed investment portfolios, provides a variable, market-linked income for life with flexible income drawdown options. A minimum premium of R75 000 applies.
  • Retirement Annuity Plan is a lump sum investment product that creates wealth for a secure retirement. A minimum premium of R12 500 applies.
  • Life Annuity provides a guaranteed income for life but can be customised for specific needs to the extent that income can be level or increase annually. 
  • Guaranteed Income Annuity provides a regular guaranteed income for a fixed period of time, and can be customised for specific needs.

Please contact us directly to discuss your specific circumstances and needs.


Our Liberty-mandated advisors provide comprehensive group retirement funding and insurance solutions, as well as actuarial services.

Find Out More

Have a car, home or business? Important items deserve the security of solid and comprehensive insurance cover.