1. Liberty Corporate

2. Linde & Viljoen & Associates
Harri Viljoen
Executive Financial Advisor
B Com Hons Indus Psych
CFP
23 Years experience in Insurance Industry

3. Liberty Corporate A leading provider of holistic employee
benefits solutions
Retirement
Risk
Investment
Actuarial and Consultancy
Administration
Liberty Corporate is a leading provider of holistic employee benefits solutions.
We offer Retirement, risk, investment, Actuarial and Consulting as well as Administration solutions
Retirement
Risk
Investment
Actuarial and Consultancy
Administration

4. Liberty Holdings Liberty Group A leading wealth management company
Strong balance sheet
Financial Sector Charter “A” Rating
Established in 1958
Liberty Holdings stands strong as part of the Standard Bank Group.
The Group company boasts the following attributes:
Established in 1958, Liberty has a strong focus on sustainability.
The two main 2 focus areas include the environment and education. Liberty is the largest contributor to education in the private sector.
The group has in the region of 3 million lives insured at present and more than R500 billion worth of assets, including the assets within Stanlib
Liberty Group
A leading wealth management
company
>R500 billion assets under management (incl. STANLIB)
Focus on sustainability
Focus on environment
Around 3 million lives insured
Largest private sector spend on education
in South Africa

5. Black Economic Empowerment
Liberty has secured an A rating in the FSC Charter Bee accreditation.

6. Liberty Corporate Executive team
Seelan Gobalsamy
Chief Executive
Liberty Corporate
Thabo Dloti
CEO: Institutional

7. Liberty Corporate Executive team
Our professional Executive team boasts close to 100 years industry experience.
Kieran Godden
Divisional Director: Consulting & Actuarial
Kammy Sing
Divisional Director: Operations
Samantha Gajathar
Head: Risk and Compliance
Linda Schroeder
Divisional Director: Marketing
& Client Services
Graham Thomas
Head of Risk Solutions
Wedaad Joseph
Divisional Director: Operational Support

8. Liberty Corporate Executive team
Our professional Executive team boasts close to 100 years industry experience.
Andre van Heerden
Chief Financial Officer
De Wet van der Spuy
Divisional Director
Product
Tiaan Kotze
Head: Specialised Insurance
Skheto Maluleke
Head: Information Technology
Latoya Mokotto
HR Business Partner

10. Liberty Corporate Staffing capability
Close to 800 dedicated staff members
Experienced Executive team
Experienced Operations team
Experience in managing retirement funds and risk benefits
8 700 retirement funds with associated risk benefits
Administer R30 billion in retirement savings
members (incl. Capital Alliance = 1 million members)
Liberty & Capital Alliance book combined – largest risk book in SA
Liberty Corporate’s staff compliment currently stands at just under 800 staff members which includes an experienced executive and operations team.
This team has extensive experience in managing retirement and risk benefits.
As at June 2010 Liberty Corporate had more than 8700 funds under management with almost 1million members on the books, (including the Capital Alliance book)

11. Client Support Centre World class Client Support Centre
calls per month in 7 languages
Fully accredited team
92% calls answered in 30 seconds
86% first call resolution rate with an average talk time of 3:30 minutes
87% ‘experience delight’ rating
We offer a world class Client Support Centre with fully accredited support centre agents. The team boasts an impressive track record of fielding over calls per month in 7 local languages.
92% of calls are answered in 30 seconds.
We have an 86% first call resolution rate with an average talk time of 3:30 minutes.
87% of customers ‘experience delight’ when dealing with the client support centre.

12. Our industry awards speak for themselves...
Liberty Corporate – proud winner of the
following awards over the past 2 years
5 PMR.africa awards both in the Diamond
and Golden Arrow categories!
Winner of the 2009 FIA Employee Benefits
- Product Supplier of the year Award 2009
Relationship Quality
Service Quality
Product Quality
Voted 2nd in the Sunday Times top brands
survey 2009
During the past 2 years, Liberty Corporate walked of with numberous industry awards such as:
PMR.africa Diamond Arrow award – Product providers and insurers 2010
PMR.africa Diamond Arrow award – retirement funds sector 2010
PMR.africa Golden Arrow award – insurance companies in Southern Cape and Karoo 2010
PMR.africa Golden Arrow award: Consultants and Actuaries 2010
PMR.africa Golden Arrow award: Large pension fund administrators and product providers 2009
We are particularly proud of winning the 2009 FIA Employee Benefits - Product Supplier of the year Award 2009
The Financial Intermediaries Association of Southern Africa (FIA) represents over independent Advisers across the whole insurance industry and the award measures “Overall Satisfaction” as an aggregate across 3 criteria:
Relationship Quality • Service Quality • Product Quality
We were also voted 2nd in the Sunday Times top brands survey 2009
Best Business to business brand (insurance category)

13. Some of our clients
Young & Rubicam
Many reputable organisations have placed their trust in Liberty Corporate. Here is a brief look at some of our clients.

14. Competitive advantage

15. Our new Electronic Member Benefit Statements
Innovative reporting
Our new Electronic Member Benefit Statements
In January 2011, the first batch of our new electronic member benefit statements will be released to members and employers.
Our statements have been significantly simplified so that at a glance members can view what their benefits are worth and how their investments are growing.
This electronic statement will be mailed to employers and received in their mailboxes. Even though the statements contain links to the internet, you do not need to be connected to the internet to view your statement.
Not only will you no longer have the problem of statements getting lost in the mail or ending up in the wrong hands, by receiving your statements electronically, you’re also contributing to saving the environment!

16. A sneak peak at some of the functionality
Statement content is clearly categorised and easy to find and understand.
Online help is also available in case a member has query on their statement. They then have the option to send a mail to the scheme’s adviser or contact them using the details provided on the screen.

17. Value Added Services We offer more than risk and retirement
solutions because we care....
Our range of new Value Added Services include:
Emergency Ambulance Service
Trauma Counseling
Legal Advice
Emergency medical Info, Advice and referral Hotline
Value added services are free!!
Are available to business owners, fund members, their spouses and nominated beneficiaries (under the age of 21)
To make use of these, a client has to have a single Liberty Corporate risk or retirement fund product.
Liberty Corporate is proud of the latest addition to their service offering.
By leveraging the services on an external provider, Liberty Corporate offers the following value added services to all their scheme members, their spouses and their dependents.
These services are:
Free
24 hours a day, 365 days a year
Available in the member’s chosen local language
Offers free access to business related services

18. Scheme design

19. SEFA Provident Fund Benefits Cost Employer Retirement contribution
13,25%1
13,25%
Life Assurance
6 x annual sal salary salary salary
0.95
Funeral R
R7.79 per member
Dread Disease
1x annual Salary
0.38
Income Disability
75% (3 month waiting period)
0.96
Spouses cover
1x annual salary
0.24
Management
0.55
Retirement
9.98%
Total

20. Free Cover Limits Limit Life Assurance Dread Disease R. 700 000
Income disability
R p.m.

21. Retirement Tested Formula
The basic needed contribution for successful retirement planning is the following;
15% investment of monthly salary every month for 40 years

22. The Cost of Waiting too long....
Person A
R per month from age 18 to age 28
Person B
R 1000 per month from age 28 to age 65
Question ???
Who has the most money at retirement????

23. Questions