Female Living Lifestyle - Power Brokers

1 Female Living LifestyleLifestyle Protector Women continue to face unique challenges during their childbearing years. Even if a woman is in peak physical health at the time she falls pregnant, she still runs the risk of suffering complications relating to the pregnancy or the birth of her child. Liberty s specially designed Female Living Lifestyle benefit helps to protect women against the financial impact associated with pregnancy- and birth-related complications, including coverage for major congenital birth big is the risk?At least 3 out of every 100 women experience serious pregnancy-related complications or may not be able to prevent having their babies born with congenital birth defects. Lump sum benefitThe Female Living Lifestyle benefit provides financial assistance up to an amount of R500 000. This lump sum payout can be used to cover the expenses related to a pregnancy-related complication or a congenital birth defect, over and above the costs covered by the policyholder s medical eventsThe Female Living Lifestyle benefit offers protection against the following life events: Fifteen (15) Lifestyle -changing pregnancy complications.

2 Eighteen (18) congenital birth defects that could affect a child s lifespan or quality of life. Enhanced protectionLiberty has improved the Female Living Lifestyle benefit to ensure that it keeps up with women s changing needs: The benefit definitions and payouts have been revised in accordance with the latest medical terminology, making them more relevant to current conditions. We now cover 7 additional pregnancy complications and 6 additional congenital birth defects. We also added a lump sum payout to assist with funeral expenses should a woman lose her baby due to an unexplained cot death. Liberty will now consider a claim if the policyholder survives for 14 days or more (reduced from 30 days or more) from the claim event, enabling us to meet our client s financial needs sooner. In addition, the waiting period has been reduced from 12 month to 9 following pregnancy-related complications are now covered: Miscarriage due to Chorionic Villus Sampling, a technique used to determine if the baby has any birth defects.

3 Miscarriage after at least 28 weeks of pregnancy for any reason where the trauma or injury was not self-inflicted. This includes miscarriages due to an unintended trauma such as a motor vehicle accident or criminal attack. Hyperemesis Gravidarum that could lead to losing the baby due to excessive vomiting during pregnancy. Placenta Accreta (an abnormally deep attachment of placenta) that can only be removed by a hysterectomy. Disseminated Intravascular Coagulation during pregnancy where small blood clots form in the blood vessels causing severe complications. Amniotic Fluid Embolism where amniotic fluid could leak into a woman s blood stream during birth causing serious complications. Third- or fourth-degree vaginal tears with complications during childbirth that need to be corrected following congenital birth defects have been added: Anal Atresia where a colostomy is required to create an opening for the baby to be able to pass stools.

4 Neuro-developmental disorders with specified mutations including Rett Syndrome, Fragile X Syndrome, Tuberous Sclerosis or Symptomatic Neurofibromatosis where the baby is exhibiting serious symptoms. A serious inborn metabolic disorder (including Gauchers Disease, Tay Sachs Disease or Mucopolysaccharidosis) with complications. Congenital blindness Congenital deafness Duchenne Syndrome and Congenital Myotonic Dystrophy, types of Muscular Dystrophy that could affect the baby s quality of claimsMultiple claims can be paid under the Female Living Lifestyle benefit, however the maximum benefit that will be paid for all claims is 100% of the selected cover amount. For example, should a client experience a pregnancy-related complication and her baby is born with one of the congenital birth defects covered, she will receive a payout under both claim categories, as long as the combined payout does not exceed 100% of the selected cover to obtain the coverThe Female Living Lifestyle benefit can only be selected with either the Living Lifestyle or Living Lifestyle Plus benefits.

5 Together, these benefits form part of Liberty s comprehensive Lifestyle Protector insurance solution. The Living Lifestyle benefit provides comprehensive cover for critical illnesses and trauma-related events for 31 benefit categories (including heart attacks, cancer, strokes and coronary artery bypass grafts). Child Living LifestyleChildren could also fall ill later during childhood. Therefore, we offer the Child Living Lifestyle benefit, providing financial protection (up to an amount of R250 000) to the policyholders with either the Living Lifestyle or Living Lifestyle Plus benefits. The Child Living Lifestyle benefit provides comprehensive cover for 12 serious child critical illnesses (including cancer, major organ transplants, chronic liver failure, chronic lung failure and kidney failure). For advice you can count on, speak to a Liberty Wealth Adviser, contact our call centre on 0860 327 327, or email Find us online at The information contained in this document does not constitute advice by Liberty.

6 Any legal, technical or product information contained in this document is subject to change from time to time. This document is a summary of features of the product. If there are any discrepancies between this document and the contractual terms and conditions or, where applicable, any fund rules, the latter will prevail. Any recommendations made must take into consideration your client s specific needs and unique Group Ltd is an Authorised Financial Services Provider in terms of the FAIS Act (no. 2409). Liberty Group Ltd 2010. All rights Difference 11770 September 2010