MISS TP DLAMINI

6639 POLOKELO STREET Ref: 4764437/1//230826/05

DIEPKLOOF ZONE 4
1862

26 August 2023

Dear Miss Dlamini

Policy Number 59854970000

Life Assured TP DLAMINI

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

letter your policy, your premium will change from R536.47 to R590.24.

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

Information
MISS TP DLAMINI

Before Anniversary (R) After Anniversary (R)

Benefit Description
Premium/s Benefit Premium/s Benefit

Life Cover 521.47 1 276 281.56 575.24 1 340 095.64

Immediate Expenses Benefit n/a 50 000.00 n/a 50 000.00

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

Admin Charge 15.00 15.00

TOTAL PREMIUM 536.47 590.24

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.

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: info@liberty.co.za 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
 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 a "Fixed Increasing Premium Pattern" at the beginning of your policy.

Selected This means your premiums will increase by at least 5% per year. You also chose
an automatic benefit increase which means your cover amount will increase each
year. This increase will be accompanied by a related automatic premium increase
which will be over and above the fixed 5% p.a. premium increase.

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 may 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 our Call Centre 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

Managing Executive: Client and Adviser Service Centre

Liberty Group Limited

 Page 1 of 1
Policy 59854970000

LIFESTYLE PROTECTOR
ADDLIB - Annual Scale Update
Effective date - 1 October 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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