Risk cover protects you against financial losses by providing a cash payout if you are diagnosed with a critical illness, experience a trauma event, or become disabled. It is important because South African statistics show high rates of cancer, heart attacks, and strokes, with the average age of critical illness claims being 41. Risk cover is recommended for anyone, as illness or disability can affect anyone regardless of age or health status. Liberty offers comprehensive risk cover that protects you for over 150 conditions and provides coverage even after retirement when medical costs are likely to increase.
Mobile Advertising 101: Beyond GeofencingGil Rogers
Location-Based Mobile Advertising is an exciting technology that may be used to reach targeted students where they are. Whether you are trying to reach potential transfer students on a community college campus, potential grad students downtown, or potential undergrads at their high school, "geofencing" can be a great way to focus in on those locations and drive targeted advertising volume.
However, not all geofencing is the same. It can be very easy to drive a high volume of impressions with low engagement, leading to questionable ROI.
This webinar will focus on the "Do's and Don'ts" of digital marketing; specifically with regard to mobile advertising strategies and how to avoid some of the pitfalls while putting yourself in the best position for success.
With ad growth thrown into the mix, it’s apparent that every facet of the OTT market is expanding: advertising opportunities; popularity of OTT devices like Apple TV and Roku; and the amount of OTT content and services geared to break into the market.
The content based image retrieval (CBIR) technique
is one of the most popular and evolving research areas of the
digital image processing. The goal of CBIR is to extract visual
content like colour, texture or shape, of an image automatically.
This paper proposes an image retrieval method that uses colour
and texture for feature extraction. This system uses the query by
example model. The system allows user to choose the feature on
the basis of which retrieval will take place. For the retrieval
based on colour feature, RGB and HSV models are taken into
consideration. Whereas for texture the GLCM is used for
extracting the textural features which then goes into Vector
Quantization phase to speed up the retrieval process.
Mobile Advertising 101: Beyond GeofencingGil Rogers
Location-Based Mobile Advertising is an exciting technology that may be used to reach targeted students where they are. Whether you are trying to reach potential transfer students on a community college campus, potential grad students downtown, or potential undergrads at their high school, "geofencing" can be a great way to focus in on those locations and drive targeted advertising volume.
However, not all geofencing is the same. It can be very easy to drive a high volume of impressions with low engagement, leading to questionable ROI.
This webinar will focus on the "Do's and Don'ts" of digital marketing; specifically with regard to mobile advertising strategies and how to avoid some of the pitfalls while putting yourself in the best position for success.
With ad growth thrown into the mix, it’s apparent that every facet of the OTT market is expanding: advertising opportunities; popularity of OTT devices like Apple TV and Roku; and the amount of OTT content and services geared to break into the market.
The content based image retrieval (CBIR) technique
is one of the most popular and evolving research areas of the
digital image processing. The goal of CBIR is to extract visual
content like colour, texture or shape, of an image automatically.
This paper proposes an image retrieval method that uses colour
and texture for feature extraction. This system uses the query by
example model. The system allows user to choose the feature on
the basis of which retrieval will take place. For the retrieval
based on colour feature, RGB and HSV models are taken into
consideration. Whereas for texture the GLCM is used for
extracting the textural features which then goes into Vector
Quantization phase to speed up the retrieval process.
Wall of Protection: Health, Income, and Life InsuranceAlanna Russell
Discover how insurance can be customized and used as a financial tool to protect ALL of your life. Take control of your assets, plan your course, protect your empire.
Insurance is a critical subject to understand for full financial literacy. There are many different kinds of insurance available to serve different purposes.
Wall of Protection: Health, Income, and Life InsuranceAlanna Russell
Discover how insurance can be customized and used as a financial tool to protect ALL of your life. Take control of your assets, plan your course, protect your empire.
Insurance is a critical subject to understand for full financial literacy. There are many different kinds of insurance available to serve different purposes.
1. RISK COVER PROTECTION
Presentation By
Tshepho Chokoe
Financial Adviser at Liberty Life
Helping you understand your risk needs is our priority
2. Contents
Topic Page
I. What is risk cover? 3
II. Why risk cover? 4
III. Who should get risk cover? 7
IV. When to get risk cover? 8
V. Where to get risk cover? 9
VI. Conclusion 11
2
3. I. What is risk cover?
Risk Cover - Protect you against financial loses,
and provides you with a cash payout should you
suffer one of the specified critical illnesses or
trauma events or become disabled.
When you are diagnosed with a serious illness or injured
your quality of life can be reduced significantly. Be
advised that you are likely to incur considerable additional
lifestyle adjustment expenses so risk cover is intended to
give you financial peace of mind and enables anyone to
afford the best possible care for their families.
3
4. II. Why risk cover?
The chances of acquiring a serious illness is
unfortunately increasing – you are 4 times more likely
to suffer a critical illness before you turn 65 than you
are to die.
Latest South African critical illness statistics:
A. 1 in every 3 people will be diagnosed with
cancer.
B. 1 in every 11 females will be diagnosed with
breast cancer.
C. 1 in every 4 people will suffer a heart attack.
4
5. II. Why risk cover? continue
Latest South African critical illness statistics:
D. There are 8 heart attacks every hour in RSA.
E. 8 out of a 100 people will suffer a stroke.
F. 60% of those 8 people are women, and 25% of
those will be under 45 years of age.
G. 10% of stroke patients recover completely, 53%
will be completely dependent on others.
H. The average age of dread disease claims in
South Africa is age 41.
5
6. II. Why risk cover? continue
Top 5 Claim Causes
6
7. III. Who should get risk cover?
Over 150 conditions are grouped into 31 benefit categories.
7
8. IV. When to get risk cover?
We all like to think that we will never suffer from
impairment or disability, but we have to be realistic
and accept the fact that you may get a serious illness.
The reality is that impairment, due to illness or an
accident can leave anyone in a position that could
disable you and prevent you from reaching your full
potential.
8
9. V. Where to get risk cover?
Liberty offers The Living Lifestyle benefit, our critical
illness cover, has been enhanced to offer even more
comprehensive protection than before. The Catch-
All benefit is specially designed to allow you greater
scope to claim for a serious condition with a severe
impact on you and it is free of charge.
Liberty benefits allows you to have the freedom to
live your life free from worry about life’s
unpredictable events. We provide comprehensive
coverage and financial security for more than 150
different critical illnesses and trauma-related events.
9
10. V. Where to get risk cover? continue
Delivering on our commitment: 2015 Paid Claims
10
11. Conclusion
Life is meant to be lived to the full, every moment is
a gift and we want you to enjoy it without worrying
about the future. At Liberty we know that impairment
or disability can have serious effects on your
income and expenses currently or in your retirement
years.
Being covered for your entire life, even after
retirement, is crucial as people are living longer.
There is no better time than now to prepare and
build a positive future and be protected from risk.
11