Rates applicable from: 14-Jan-2019 to 18-Jan-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 8 333,71 R 5 412,98 R 7 533,03 R 7 548,24
Assupol Life Ultimate Retirement Income 4Life (Rewired)1 no rates
available
R 5 412,98 no rates
available
no rates
available
Discovery Invest Retirement Income Plan (Fixed Annuity) R 8 443,85 R 5 628,05 R 7 780,67 R 7 790,13
Just Just Lifetime income (Low)2 No Rates available
Just Just Lifetime Income (High) 3 No Rates available
Liberty Life Life Annuity R 8 254,07 R 5 001,20 R 7 444,87 R 7 454,26
Momentum Life Annuity R 8 567,62 R 5 534,95 R 7 839,69 R 7 847,43
Old Mutual Max Income for Life R 8 622,86 R 5 882,68 R 7 771,73 R 7 796,61
Sanlam Life Annuity R 8 362,07 R 5 281,15 R 7 480,38 R 7 493,37
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.
2: The annuity rates for Just will vary depending on a number of socio-economic, lifestyle and medical factors. As an example, "low" would apply for a mild condition such as high blood pressure, cholesterol, overweight or diabetes.
3: The annuity rates for Just will vary depending on a number of socio-economic, lifestyle and medical factors. As an example, "high" would apply for a more severe condition such as heart disease, cancer, severe stroke, moderate to severe obesity, uncontrolled diabetes or a combination of less severe conditions.
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 7 879,76 R 4 910,68 R 7 533,03 R 7 548,24
Assupol Life Ultimate Retirement Income 4Life (Rewired)1 no rates
available
R 5 795,51 no rates
available
no rates
available
Discovery Invest Retirement Income Plan (Fixed Annuity) R 8 054,86 R 5 144,26 R 7 780,67 R 7 790,13
Just Just Lifetime income (Low)2 No Rates available
Just Just Lifetime Income (High) 3 No Rates available
Liberty Life Life Annuity R 7 789,10 R 4 460,98 R 7 444,87 R 7 454,26
Momentum Life Annuity R 8 209,79 R 5 034,94 R 7 839,69 R 7 847,43
Old Mutual Max Income For Life R 8 190,08 R 5 363,91 R 7 771,73 R 7 796,61
Sanlam Life Annuity R 7 936,22 R 4 800,31 R 7 480,38 R 7 493,37
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.
2: The annuity rates for Just will vary depending on a number of socio-economic, lifestyle and medical factors. As an example, "low" would apply for a mild condition such as high blood pressure, cholesterol, overweight or diabetes.
3: The annuity rates for Just will vary depending on a number of socio-economic, lifestyle and medical factors. As an example, "high" would apply for a more severe condition such as heart disease, cancer, severe stroke, moderate to severe obesity, uncontrolled diabetes or a combination of less severe conditions.
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 18 879,92 R 2 213,25 R 16 666,67
Momentum Term Certain Annuity R 19 182,12 R 2 515,45 R 16 666,67
Old Mutual Max Income for Term R 19 274,89 R 2 608,22 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 140 058,66 6,97% R 1 403 863,02 7,02%
Assupol Life Guaranteed-return Single-premium Policy 1 R 137 266,15 6,54% R 1 401 241,42 6,98%
Discovery Invest Discovery Guaranteed Growth Plan R 133 256,70 5,91% R 1 367 301,61 6,46%
Liberty Life Guaranteed Investment Plan 2 no rates
available
0% R 1 352 126,49 6,19%
Momentum Guaranteed Return Option R 131 174,00 5,58% R 1 359 109,00 6,33%
Old Mutual Wealth Old Mutual Wealth Fixed Bond No Rates available
Sanlam Cumulus Fixed Return3 R 258 641,00 5,22% R 1 321 355,00 5,67%
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 142 630,54 7,36% R 1 429 629,77 7,41%
Assupol Life Guaranteed-return Single-premium Policy1 R 139 209,67 6,84% R 1 420 999,17 7,28%
Discovery Invest Discovery Guaranteed Growth Plan R 135 775,61 6,31% R 1 392 490,68 6,85%
Liberty Life Guaranteed Investment Plan2 no rates
available
0% R 1 375 693,98 6,52%
Momentum Guaranteed Return Option R 134 103,00 6,04% R 1 388 400,00 6,78%
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 5 501,46 R 502,46
Discovery Invest Discovery Guaranteed Income Plan R 5 148,63 R 569,28
Liberty Life Guaranteed Investment Plan with Income R 4 959,37 R 412,37
Momentum Guaranteed Return Option R 5 050,00 R 663,06

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 5 702,09 R 520,78
Discovery Invest Discovery Guaranteed Income Plan R 5 399,96 R 605,94
Liberty Life Guaranteed Income Plan with Income R 5 248,22 R 481,99
Momentum Guaranteed Return Option R 5 396,49 R 751,19
Sanlam Cumulus Fixed Return with Income R 4 751,28 R 677,90