1 The confidence of knowing that you are protected CLAIM STATISTICS INSIGHTS 2013
2 1 CLAIM STATISTICS INSIGHTS 2013 The confidence of knowing that you are protected We don t know what life has in store for you, we also don t know what risks will arise along your journey. But we do know that you should feel trust in a business that promises to be there for you and your family when you can t be. That s why we have dedicated ourselves to understanding the risks you face at every stage of your life so that we can give you the protection you need, when you need it. We have solutions for the curveballs life can throw at you, whether that s making sure your children go to school if you are no longer around, or maintaining the lifestyle your family enjoys when you aren t able to provide for them anymore. When it comes to protecting you and your family from life s uncertainties, Liberty is recognised as your first choice in risk solutions. As the market leader* in risk protection for the past 10 years, you can be confident in the security that we pay 100% of all valid claims to those who depend on us. *According to the Swiss Re Individual Risk Market New Business Volume Survey
3 CLAIM STATISTICS INSIGHTS Delivering on our promise In 2013 we paid claims of R Delivering on our commitments to you and your loved ones is non-negotiable to us. R2.71 billion in total claims for 2013 R1.86 billion was paid for life cover R414 million was paid for critical illness cover R439 million was paid for income protection R million was paid for lump sum payments R79.75 million was paid for monthly recurring payments Note: For full technical information about the claims refer to page 14 ADDLIB - our cash back benefit to loyal policyholders In 2013, the largest ADDLIB bonus paid to an individual person was more than R Since 2010 we have paid out more than R70 million in ADDLIB bonuses to loyal qualifying policyholders.
4 3 CLAIM STATISTICS INSIGHTS 2013 LIFE STAGES Life stages When life happens, it usually brings with it some challenges. It could be a dark spot on an X-ray, an unfortunate accident that you never saw coming or a dreaded retrenchment letter. Lifestyle Protector can offer you the peace of mind that when life happens you are protected by trusted solutions, at any stage. Certain types of risks are more common depending on your age and gender. Lifestyle Protector lets you tailor your cover to the specific needs you have. Sixties Visits to doctors and hospital stays become frequent. Twenties General good health although accidents pose a huge risk. Building a career means changes in your lifestyle. Forties and fifties The risk of developing cancer is at its highest s Heart disease, strokes, and diabetes are common risks. Thirties High risk of breast cancer in women and prostate cancer in men. Weight gain is an increasing worry. 40s-50s 30s Starting a family and the added responsibilities that come with it. Pregnancy and its associated medical concerns. Early signs of poor lifestyle choices begin to manifest. Stress, higher cholesterol and blood pressure risks increase. Making parents wishes a reality Like all parents, Mrs Sharpe* strongly believed that a good education is the key to her daughter Jenny s* success. Her financial adviser introduced her to Lifestyle Protector s EduCator benefit. She added this unique benefit to her risk cover knowing that Jenny would have the same chance at success even if she ever were to face a life-altering event. Three years later, Mrs Sharpe tragically passed away as a passenger in a light aircraft accident. This unexpected and shocking loss meant significant changes in the Sharpe household. Fortunately, their plans for Jenny s education at a private school didn t need to change. Mrs Sharpe s EduCator benefit will assist in paying her daughter s tuition and other education-related costs until the end of her first university degree. Sadly, a few months later, Mr Sharpe* was diagnosed with colon cancer and passed away. With a good financial plan in place, he had also taken out life cover. The proceeds from both parents life cover of R14.42 million were placed in a trust to ensure that Jenny s future financial needs are taken care of, in addition to her education costs. While we can t fill the emptiness that her parents deaths have left, we can ensure that 13 year old Jenny s opportunity to reach her true potential is unaltered. Her parents foresight to put in place appropriate risk cover made an invaluable impact on her current reality. *names have been changed.
5 factors that impact on your likelihood of claiming CLAIM STATISTICS INSIGHTS Factors that impact on your likelihood of claiming Your likelihood of claiming is dependent on your age, gender and the lifestyle choices you make. Natural and unnatural causes of assessed claims split by age group. Proportion of unnatural/ natural cause of claim: Natural causes Lung cancer Breast cancer Prostate cancer Unnatural The leading natural cause for claims is cancer. of all natural claims is due to cancer Smoking significantly increases the likelihood of being diagnosed with and claiming as a result of cancer. The type of cancer that is most prevalent also depends on your smoker status. Under 35s Over 65s 59% 41% 16.6% 16.0% 9.2% Smoker 72% 28% = 39.1% Non smoker 5.4% 22.2% 7.4% 89% 96% 98% 11% 4% 2% Lung cancer Breast cancer Prostate cancer Natural Unnatural causes Unnatural causes claims are highest when you are young. = 30.2% of all unnatural claims is due to musculoskeletal injury Our fun online assessment tool, Risk Revealer measures your lifestyle and accidental risk level. If this is lower than average, you may be offered a discount on your premiums on a new Lifestyle Protector policy. Find out more by going to: 58% Financial security after the unexpected happens 42% 70% While on a hunting trip, Gavin* was shot in his 30% 85% left leg when a rifle accidently discharged. 95% 15% As much as the doctors did their 98% best in stabilising him and keeping him alive, they had to eventually amputate his leg a few weeks later to protect the rest of his 5% body. Fortunately, his 2% Lifestyle Protector policy had an Absolute Protector benefit which covers him against an accident, injury or illness that results in him being either unable to function normally or to continue to work. Due to his leg amputation he was paid R11.26 million. < Gavin also has a Living Lifestyle benefit which covers him for lifestyle changes related to critical illnesses. He was paid a further R1.37 million under his Living Lifestyle benefit as a result of losing his leg. With these two payments combined, Gavin was paid a total claim amount of R12.63 million. *name has been changed.
6 CAUSES OF CLAIMS CLAIM STATISTICS INSIGHTS Causes of claims Life Protection Our role is to protect your family, the same way you would have, because your family s future shouldn t have to change if yours does. We don t know when that fateful day may arrive. But we do know that we can give you and your family peace of mind that they are protected if you suffer from an untimely death. With life cover in place you can be certain that your commitment to protecting your family s future and the legacy you want to leave will continue. Lifestyle Protector s unique EduCator benefit gives you the peace of mind of knowing that your child s education is covered, from pre-primary school to university, should you pass away, become disabled or critically ill. negative children has increased to more than 95%. While the last decade has seen significant improvements in the treatment of HIV, no cure is available yet. This means that the estimated HIV negative children living with HIV positive parents may face the reality of trying to complete school without one or both parents at some point in their lives. Liberty can change this reality by ensuring that their educational needs are met should a parent pass away. Our EduCator benefit is now available to people living with HIV as well, in addition to Life Cover and Renewable Life Cover benefits. About 10 years ago, prevention of mother-to-child transmission programmes were introduced in the public sector. Since then, the percentage of HIV positive mothers giving birth to HIV Life Protection claims by cause Natural causes Other natural causes Cardiac and cardiovascular Respiratory diseases and disorders Central nervous system and strokes Unnatural causes Motor vehicle accident Other trauma and unnatural causes Suicide 19.8% 18.9% 31.4% 14.6% 19.4% 7.1% 3.9% 19.9% 7.7% 5.8% 7.1% 16.6% 12.1% 5.6% 6.5% 3.7% Claims in any years of the policy Claims in the first 3 years
7 CAUSES OF CLAIMS CLAIM STATISTICS INSIGHTS Loss of Income Protection Holistic income protection designed to meet your financial needs. Traditionally, income protection policies only provided cover for claim causes that are related to accidents, injuries and illnesses that leave you unable to work (referred to as occupational disability). Our Income Protector is the most comprehensive in the market and protects you against anything that could affect your ability to earn an income such as disability, impairment, fractures, illness, retrenchment and even maternity leave. A boost when it was needed most In August 2013, Jerome s* legs began swelling. He also battled to breathe leaving him faint and lethargic. At the time, he didn t know that this was actually a response from his body to a deteriorating heart muscle. Jerome soon suffered heart failure and he was rushed into ICU to save his life. Nurses and doctors did their best to keep Jerome alive and stable. In ICU, Jerome was placed on the waiting list for a heart transplant, which he desperately needs. While Jerome waits for his heart transplant and for as long as he is unable to work (should he receive his transplant), his Absolute Income Protector benefit, with a monthly cover amount of R15 000, will help supplement his lost income. In two years time he will also be eligible to claim on his Extended Absolute Income Protector benefit if he is still unable to work or if his heart remains permanently impaired**. If he remains unable to work and his heart is considered permanently impaired, he will receive an additional 33.33% Claim Booster on top of his Extended Absolute Income Protector cover amount. *name has been changed. **according to our claims definitions Loss of Income Protection claims by cause Natural causes Central nervous system and strokes Other natural causes Musculoskeletal diseases and disorders Cardiac and cardiovascular Respiratory disease and disorders 20.7% 17.6% 13.9% 10.7% 5.4% 4.6% Unnatural causes Retrenchment Musculoskeletal injuries Other trauma and unnatural causes Motor vehicle accident 13.4% 5.2% 4.9% 3.5%
8 CAUSES OF CLAIMS CLAIM STATISTICS INSIGHTS Lifestyle Protection Suffering a critical illness could have a severe impact on your lifestyle and is likely to lead to significant additional costs. We will protect you against the cost of these changes. What if you had a heart attack or suffered from a serious accident? Would you be able to live in your current house, drive your current car or do your current job? Most critical illnesses require you to make some significant lifestyle adjustments such as downsizing your home or hiring a caregiver. These changes are likely to have a significant financial impact on you something that simply cannot be budgeted for. Our Lifestyle Protection benefits allow you and your family to manage these financial changes in your lifestyle. Our Lifestyle Protection benefits consist of: Living Lifestyle and Living Lifestyle Plus, which provide comprehensive cover against a wide range of critical illnesses. The Top-Up Option which increases the payout to 100% of your cover amount for specified conditions. The Extended Option which allows you to extend your cover to include less severe conditions. Unique Liberty features include: The market-leading Catch-All benefit, which protects you against: any illness that leads to a significant Whole Person Impairment impact the inability to perform specific activities of daily living a terminal illness where you are expected to survive for less than a year, even if the condition is rare or unknown at present. The Medical Advancements Protection (MAP) feature, which provides enhanced protection against the risk that claim definitions become outdated due to medical advancements in the future. Lifestyle Protection claims by cause Natural causes 48.2% Cardiac and cardiovascular 28.1% Central nervous system and strokes 11.9% Other natural causes 4.2% Endocrine diseases and disorders 1.9% Autoimmune diseases 1.6% Respiratory diseases and disorders 1.5% Unnatural causes Other and unnatural causes 2.6%
9 CAUSES OF CLAIMS CLAIM STATISTICS INSIGHTS Policy Protection Protecting your policy is as important as protecting yourself. We know that people go through tough financial times and the added worry of not being able to pay for your risk cover should not be one of your worries. That s why we offer our Premium Protector benefits which pay your premiums and ensure that you won t lose your cover if you are retrenched, if either you or your spouse (who is also covered on the policy) passes away or you become disabled. The pressure of the current economic climate is a reality for most people. This is evident through a large proportion of our Policy Protection claims for people who were retrenched. Taking out new cover at a later date could mean you need to be reassessed under your now older and possibly less healthy state, which may mean higher premiums or not qualifying for cover at all when you need it most. Our Future Protector benefit ensures that you will have access to further cover as you get older even if you become uninsurable due to a deterioration of your health. Policy Protection claims by cause Natural causes Central nervous system and strokes Other natural causes Cardiac and cardiovascular Musculoskeletal diseases and disorders 9.5% 9.5% 8.3% 4.8% 4.8% Unnatural causes Retrenchment Trauma and other unnatural causes 60.7% 2.4%
10 9 CLAIM STATISTICS INSIGHTS 2013 claims by gender Claims by gender Women are generally underinsured. This is concerning given the increasing role women play in the economy. Women are increasingly contributing more to the household income and may also be the primary breadwinner in many instances. Families need to consider the financial impact on their lifestyle if a mother had to suffer a severe illness or pass away. Our claims statistics show us that women have a very different claims profile compared to men. Lifestyle Protector gives you the flexibility of many options to match your needs with suitable benefits, irrespective of your gender. Spread of claims by gender Our assessed claims show that women are significantly underinsured compared to men. Although women are underinsured, there is a need for them to have a comprehensive choice of Lifestyle Protector benefits. Spread of claims across cover type for each gender: 18.0% 64.8% 55.5% 14.9% 67.8% of all claims 1.3% 19.0 % 32.2% of all claims 2.4% 24.0% Life Protection Loss of Income Protection Lifestyle Protection Policy Protection Protection against the unique challenges faced by men Father s early cover payout ensures family s financial security Zain* endured a pain in his groin for many months. As a fairly private person, he hoped the discomfort would pass but after time it proved too much for his sense of embarrassment. He eventually decided to consult a doctor and after some tests found out that he had a severe case of testicular cancer. By this time, the doctors believed that his chances of surviving more than 12 months were slim. While his lifestyle choices may have compromised his health, he was astute with his finances and had previously taken out cover with his Lifestyle Protector policy, from which he was paid a total of R3.75 million. The Terminal Illness Benefit allowed his full R2.5 million Life Cover to be paid out early so that he could settle debts and provide financial security to his family at a time when they relied on him most. Another R1.25 million was paid from his impairment cover under our extensive Catch-All benefit category. *name has been changed.
11 claims by gender CLAIM STATISTICS INSIGHTS Causes of assessed claims by gender Motor vehicle accidents Musculoskeletal Second biggest cause 20.3% Unnatural 18.9% of all claims were unnatural Biggest cause: musculoskeletal injury % Natural Second biggest cause 10.9% Biggest cause: cancer % 87.7% of all claims were natural Central nervous system Cardiac and cardiovascular Biggest cause: cancer % 81.1% of all claims were natural Second biggest cause 29.1% Natural 67.8% 32.2% Unnatural 12.3% of all claims were unnatural Biggest cause: retrenchment % Second biggest cause 24.4% Retrenchment Motor vehicle accidents Prostate cancer = 27.1% of all male cancers for all ages 67.8% of all prostate cancer claims were for older than 55 yrs 88.7% of all prostate cancer claims were for older than 45 yrs Other cancers: Skin = 12.7% Leukaemia = 8.5% Lung = 8.0% Breast cancer = 47.5% of all female cancers for all ages. 73.4% of all breast cancer claims were for older than 45 yrs 96.8% of all breast cancer claims were for older than 35 yrs Other cancers: Lung = 7.6% Skin = 7.3% Endometrial = 6.1% Protection against the unique challenges faced by women In our range of benefits under Lifestyle Protection, we provide cover for serious pregnancy complications and congenital birth defects with the Female Living Lifestyle benefit. The Maternity Pause Option is a free benefit that pays you four times your monthly Income Protector premiums as a lump sum when you go on maternity leave. This is available to women under the age of 59 who have bought at least two out of three specified Income Protector ancillary benefits. Supporting a mother s care during these precious times At the tender age of four months old, Thandi* was diagnosed with a terminal chronic lung disease called Costello Syndrome. Her mom, Nombeki* was shocked by the news that her new daughter had a life threatening disease. The fact that her daughter had little time left to live was something her mind battled to comprehend, much less think about working to earn an income during this time. Nombeki had however planned well and covered her income with our Absolute Income Protector which included a free benefit called Child Illness Protector. This benefit paid the Absolute Income Protector premiums as well as provided Nombeki with a monthly cover amount of R With this she was able to focus her energy on providing her daughter with comfort throughout the five months she spent in ICU until the day that her young daughter passed away. *names have been changed.
12 11 CLAIM STATISTICS INSIGHTS 2013 Claims by age Claims by age It s never too early to take out cover. Your biggest asset is your ability to earn a future income. Protecting it is vital even if you don t have a family yet. Nearly half of our income protection claims were for policyholders younger than 35 years of age. The likelihood of claiming at a young age is higher for smokers than for non-smokers. The main causes of claims for younger smokers are lung cancer and sarcoma. Skin cancer is also more dominant among younger policyholders (irrespective of smoker status), possibly due to over exposure to the sun during sport and tanning. Retrenchment and critical illness are realities, even when you are young Retrenchment is a substantial contributor to Loss of Income Protection and Policy Protection claims for younger age groups. It is generally not influenced by your health and its frequency in younger policyholders shows just how important it is to have the right cover at every age. More than half of our policyholders who claimed for critical illness in 2013 were younger than 45 years of age. As the pace of our lifestyle continues to increase, we could expect a further increase in the number of critical illness claims for young and old alike. Conditions such as cancer, heart attacks and autoimmune disorders are more likely when stress levels are high. Spread of claims by age Life Protection Loss of Income Protection Lifestyle Protection Policy Protection Under 35s 21.3% 46.6% 25.9% 6.3% % 37.3% 29.3% 4.0% % 25.1% 32.9% 1.6% 0.2% 0.0% 96.0% 3.8% % 12.1% 30.6% 0.3% Over 65s 96% 0.2% 3.8% The support you need, every step of the way Matthew*, a teacher, was diagnosed with Parkinson s disease at the age of 60. The disease gets progressively worse and cruelly decays the central nervous system, with symptoms such as shaking, dementia, depression, sleep and emotional problems, and slowness of movement. With his financial adviser, Matthew had protected himself against the financial trauma that he would face with this and other diseases. He fortunately made sure that he had a Living Lifestyle benefit added to his Lifestyle Protector policy. The severity of his condition was assessed under the Parkinson s disease benefit category. To date, he has been paid 75% of his R cover amount (with three payments as his condition progressively deteriorated). He was objectively medically assessed by a doctor who conducted tests on his posture, movement, and self-care, cognitive and visual abilities. Later on, when his condition deteriorates even further, we will pay out the rest of his cover amount to assist in continued care. *name has been changed.
13 Claims by age CLAIM STATISTICS INSIGHTS We know that when you are young, you can feel healthy and fearless against the world but the reality is that everyone needs risk cover because life happens at any time, often in unexpected ways. A focus on policyholders under the age of 35 Approximately half of all claims for young policyholders were a result of losing their income. The rest were due to death or critical illness. Job security may not always be ensured for young policyholders, as seen by the amount of claims for retrenchment. As a young person your active lifestyle may result in comparatively greater unnatural claims causes such as motor vehicle accidents and musculoskeletal injuries. The fast-paced stressful lifestyle of those building their careers may influence the prevalence of heart attacks and suicide rates. Hereditary factors also affect critical illness claims, seen most notably in the leading cause of claims being cancer. Under 35s 8.4% of all claims Cardiac and cardiovascular 14.3% 15.2% Motor vehicle accidents 48.6% 42.4% 68% Life Protection 21.3% Non-smokers 60.2% Smokers 39.8% 38.7% 12.9% 58.5% 12.2% Suicide Motor vehicle accidents 32% Motor vehicle accidents Cardiac and cardiovascular Motor vehicle accidents Suicide Retrenchment 11.6% 17% Central nervous system 20.8% Other natural causes Musculoskeletal injury 28.4% 64.2% 35.8% Loss of Income Protection 46.6% Non-smokers 73.6% Smokers 26.4% 19.3% 12.8% 17.9% 15.4% Musculoskeletal injury Retrenchment Musculoskeletal injury Central nervous system 9.5% Respiratory diseases and disorders Cardiac and cardiovascular 25% 37.5% 42.9% 69.6% 30.4% Lifestyle Protection 25.9% Non-smokers 65.2% Smokers 34.8% 46.7% 13.3% 29.2% 25.0% Cardiac and cardiovascular Cardiac and cardiovascular Policy Protection claims make up the remaining 6.3% of claims for policyholders under 35. Of these claims 89.5% were due to retrenchment.
14 13 CLAIM STATISTICS INSIGHTS 2013 insights into Valid Claims Insights into valid claims You can rest assured in our commitment to pay 100% of all valid claims. Unfortunately some claims submitted to us are not valid, for a number of reasons Claim outcomes 96.1% Valid claims which were paid 3.0% The condition claimed for did not meet the claims requirements (specified in the policy documents) 0.7% The policyholder did not disclose important information at the application stage of the policy <0.1% Deferred claims, where it is not yet clear whether the claim is valid or not and a claim cannot be made until this is determined 0.2% The claim event was specifically excluded in the policy documents. The advantage of disclosing all information Jaco*, a middle aged man, was passionate about bike racing. Sadly within just 42 days of his cover being accepted, he was involved in an accident on the race track and passed away. At application stage, we had the opportunity to understand his passion for racing better through asking additional questions. And because we knew all of this already when his accident happened, we could settle his R12 million claim quickly. Had it not been for his upfront disclosure, his claim payment would have taken significantly longer and might not have been paid at all. APPLICATION - January 2013 Life and Disability cover. Disclosed bike racing (considered a hazardous pursuit under his policy). ASSESSMENT Included this hazardous pursuit as part of cover. In this case, no increase in premium. EVENT 42 days later he died tragically in a Motorbike race. CLAIM PAID - R12 million Full information of participaition in motor racing allowed quick settlement of claim within 48 hours. To avoid disappointment at claims stage, please ensure that you fully and accurately disclose all information when you take out your policy, understand what you are and are not covered for and take note of all exclusions that apply to your cover to ensure that you and your loved ones are looked after. *name has been changed.
15 Technical information Total risk claims paid from January to December 2013 was R A breakdown of the risk claims paid for 2013: Lifestyle claims R2.36 billion [R ] R1.54 billion for death claims [R ] R413.8 million for critical illness claims [R ] R327.5 million for lump sum disability claims [R ] R79.8 million for income protection recurring claims [R ] Capital Alliance claims R274.7 million [R ] R203.8 million for death claims [R ] R47.6 million for funeral claims [R ] R23.4 million for lump sum disability claims [R ] Liberty Active claims R83.7 million [R ] R60.2 million for death claims [R ] R14.6 million for funeral claims [R ] R8.9 million for disability claims [R ] Lifestyle claims include: Lifestyle Protector, Universal Lifestyle, Penta Plus, Lifestyle Term Select and Guaranteed Reviewable Lifestyle. Income Protection recurring claims include premiums waived and all Income Protector benefits. For full terms and conditions relating to each product mentioned in the brochure please contact a Liberty adviser or broker, call
16 ROGUE/3960 Contact us For more information please speak to your Liberty financial adviser or broker, contact our call centre on or visit Liberty Liberty Group Limited Registration number 57/02788/08 1 Ameshoff Street, Braamfontein PO Box 10499, Johannesburg 2000 Disclaimer The information contained in this document does not constitute advice by Liberty. Any legal, technical or product information contained in this document is subject to change from time to time. This document is a summary of all Risk products claim statistics If there are any discrepancies between this document and the various products contractual terms or, where applicable, any fund rules, the latter will prevail. Any recommendations made must take into consideration your specific needs and unique circumstances. All Risk Products are underwritten Liberty Group Ltd. Liberty Group Ltd is an Authorised Financial Services Provider in terms of the FAIS Act (no. 2409) Liberty Group Ltd All rights reserved
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