Rates applicable from: 20-May-2019 to 24-May-2019
Compulsory Annuity Plans - Male born 1-1-1959
Product Provider Product Name Single Life
10 year Guarantee
0% Tax
R1 million
Monthly in arrears
Joint Life
Second Life - 1/1/1959
0% reduction on 1st death
0% Tax
R1 million
Monthly in arrears
Level income
Level Income 5% Income
Escalation
10 Year Guarantee Nil Guarantee
Assupol Life Ultimate Retirement Income 4Life R 8 282,71 R 5 379,82 R 7 487,53 R 7 502,73
Assupol Life Ultimate Retirement Income 4Life (Rewired)1 no rates
available
R 6 331,22 no rates
available
no rates
available
Discovery Invest Retirement Income Plan (Fixed Annuity) R 8 394,76 R 5 616,92 R 7 726,40 R 7 736,66
Liberty Life Life Annuity R 8 311,65 R 5 234,96 R 7 588,63 R 7 529,32
Momentum Life Annuity R 8 659,38 R 5 707,47 R 8 054,65 R 8 062,63
Old Mutual Max Income for Life R 8 591,43 R 5 864,74 R 7 750,32 R 7 775,50
Sanlam Life Annuity R 8 371,06 R 5 323,13 R 7 511,36 R 7 522,36
1: Assupol's Ultimate Retirement Income 4Life offers rewirement - this is a combination between a level and increasing income. For this scenario, the Rewirement factor is 4 and the income starts to increase yearly by 5% after 5 years.
Compulsory Annuity Plans - Female born 1-1-1959
Product Provider Product Name Single Life
10 year Guarantee
0% Tax
R1 million
Monthly in arrears
Joint Life
Second Life - 1/1/1959
0% reduction on 1st death
0% Tax
R1 million
Monthly in arrears
Level income
Level Income 5% Income
Escalation
10 Year Guarantee Nil Guarantee
Assupol Life Ultimate Retirement Income 4Life R 7 832,00 R 4 881,04 R 7 487,53 R 7 502,73
Assupol Life Ultimate Retirement Income 4Life (Rewired)1 no rates
available
R 5 761,08 no rates
available
no rates
available
Discovery Invest Retirement Income Plan (Fixed Annuity) R 8 006,09 R 5 128,33 R 7 726,40 R 7 736,66
Liberty Life Life Annuity R 7 839,65 R 4 747,55 R 7 588,63 R 7 529,32
Momentum Life Annuity R 8 372,22 R 5 205,08 R 8 054,65 R 8 062,63
Old Mutual Max Income For Life R 8 163,43 R 5 346,90 R 7 750,32 R 7 775,50
Sanlam Life Annuity R 7 937,22 R 4 834,30 R 7 511,36 R 7 522,36
1: Assupol's Ultimate Retirement Income 4Life offers rewirement - this is a combination between a level and increasing income. For this scenario, the Rewirement factor is 4 and the income starts to increase yearly by 5% after 5 years.
Voluntary Annuity Plans
Product Provider Product Name R 1 million Investment (natural persons)
Monthly annuity income
5 year term certain
0% tax applicable
Gross Income Taxable Portion Tax Free Portion
Liberty Life Annuity Certain R 18 789,81 R 2 123,14 R 16 666,67
Momentum Term Certain Annuity R 19 187,41 R 2 520,75 R 16 666,67
Old Mutual Max Income for Term R 19 224,17 R 2 557,50 R 16 666,67
Growth Plans - using 3.45% as the Financial Advisor Fee
Product Provider Product Name Guaranteed return on Investment of R100 000
for a 5 year term for a natural person
FA fees taken = 3.45% incl. VAT
Guaranteed return on Investment of
R1 000 000 for a 5 year term for a natural person
FA fees taken = 3.45% incl. VAT
Rand Amount % Rand Amount %
1Life 1Life Guaranteed Future Value Investment R 138 299,97 6,7% R 1 386 243,17 6,75%
Assupol Life Guaranteed-return Single-premium Policy 1 R 135 771,72 6,3% R 1 385 529,09 6,73%
Discovery Invest Discovery Guaranteed Growth Plan R 130 731,16 5,51% R 1 341 387,91 6,05%
Liberty Life Guaranteed Investment Plan 2 no rates
available
0% R 1 326 065,76 5,77%
Momentum Guaranteed Return Option R 127 966,00 5,06% R 1 325 748,00 5,8%
Old Mutual Wealth Old Mutual Wealth Fixed Bond No Rates available
Sanlam Cumulus Fixed Return3 R 261 359,00 5,46% R 1 335 242,00 5,91%
1: The rates for the Guaranteed-return Single-premium Policy may change during the week. Please refer to Assupol Life for their latest rates.
2: The rates for the Guaranteed Investment Plan may change during the week. Please refer to Liberty Life for their latest rates.
3: Sanlam Cumulus Fixed Return policy rate is calculated for a fixed return on investment of R200 000 and not R100 000 for a 5 year term

Growth Plans - using 1.73% as the Financial Advisor fee
Product Provider Product Name Guaranteed return on Investment of R100 000
for a 5 year term for a natural person
FA fees taken = 1.73% incl. VAT
Guaranteed return on Investment of
R1 000 000 for a 5 year term for a natural person
FA fees taken = 1.73% incl. VAT
Rand Amount % Rand Amount %
1Life 1Life Guaranteed Future Value Investment R 140 648,85 7,06% R 1 409 775,95 7,11%
Assupol Life Guaranteed-return Single-premium Policy1 R 137 698,31 6,6% R 1 405 109,65 7,03%
Discovery Invest Discovery Guaranteed Growth Plan R 133 202,33 5,9% R 1 366 099,60 6,44%
Liberty Life Guaranteed Investment Plan2 no rates
available
0% R 1 349 171,93 6,13%
Momentum Guaranteed Return Option R 130 811,00 5,52% R 1 354 325,00 6,25%
Old Mutual Wealth Old Mutual Wealth Fixed Bond No Rates available
1: The rates for the Guaranteed-return Single-premium Policy may change during the week. Please refer to Assupol Life for their latest rates.
2: The rates for the Guaranteed Investment Plan may change during the week. Please refer to Liberty Life for their latest rates.
Income Plans - using 3.45% as the Financial Advisor Fee
Product Provider Product Name R1 million Investment (natural persons)
Monthly annuity income
Capital Guaranteed
5 year term
0% tax applicable
FA fees taken = 3.45% incl. VAT
Gross Annuity Income Taxable Portion
Assupol Life Guaranteed-income Single-premium Plan R 5 288,07 R 488,70
Discovery Invest Discovery Guaranteed Income Plan R 4 863,59 R 515,38
Liberty Life Guaranteed Investment Plan with Income R 4 708,54 R 368,27
Momentum Guaranteed Return Option R 4 666,99 R 587,57

Income Plan - using 1.73% as the Financial Advisor Fee
Product Provider Product Name R1 million Investment (natural persons)
Monthly annuity income
Capital Guaranteed
5 year term
0% tax applicable
FA fees taken = 1.73% incl. VAT
Gross Annuity Income Taxable Portion
Assupol Life Guaranteed-income Single-premium Plan R 5 492,38 R 507,58
Discovery Invest Discovery Guaranteed Income Plan R 5 118,98 R 551,98
Liberty Life Guaranteed Income Plan with Income R 4 906,43 R 426,08
Momentum Guaranteed Return Option R 5 015,99 R 672,14
Sanlam Cumulus Fixed Return with Income R 4 887,19 R 668,75