Rates applicable from: 18-Mar-2019 to 22-Mar-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 8 730,81 R 5 628,29 R 7 511,28 R 7 526,46
Assupol Life Ultimate Retirement Income 4Life (Rewired)1 no rates
available
R 6 618,93 no rates
available
no rates
available
Discovery Invest Retirement Income Plan (Fixed Annuity) R 8 533,65 R 5 647,47 R 7 788,91 R 7 798,81
Liberty Life Life Annuity R 8 411,25 R 5 279,29 R 7 685,84 R 7 611,95
Momentum Life Annuity R 8 758,94 R 5 793,95 R 8 158,39 R 8 166,49
Old Mutual Max Income for Life R 8 628,79 R 5 886,56 R 7 780,36 R 7 805,49
Sanlam Life Annuity R 8 434,04 R 5 374,11 R 7 579,34 R 7 590,34
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 8 029,46 R 4 981,23 R 7 511,28 R 7 526,46
Assupol Life Ultimate Retirement Income 4Life (Rewired)1 no rates
available
R 5 877,61 no rates
available
no rates
available
Discovery Invest Retirement Income Plan (Fixed Annuity) R 8 068,43 R 5 159,10 R 7 788,91 R 7 798,81
Liberty Life Life Annuity R 7 913,68 R 4 787,66 R 7 685,84 R 7 611,95
Momentum Life Annuity R 8 474,35 R 5 291,93 R 8 158,39 R 8 166,49
Old Mutual Max Income For Life R 8 196,97 R 5 364,52 R 7 780,36 R 7 805,49
Sanlam Life Annuity R 8 003,19 R 4 887,28 R 7 579,34 R 7 590,34
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 18 850,93 R 2 184,26 R 16 666,67
Momentum Term Certain Annuity R 19 282,46 R 2 615,80 R 16 666,67
Old Mutual Max Income for Term R 19 194,34 R 2 527,67 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 139 144,53 6,83% R 1 394 704,58 6,88%
Assupol Life Guaranteed-return Single-premium Policy 1 R 136 110,50 6,36% R 1 388 842,29 6,79%
Discovery Invest Discovery Guaranteed Growth Plan R 133 894,14 6,01% R 1 373 842,24 6,56%
Liberty Life Guaranteed Investment Plan 2 no rates
available
0% R 1 336 507,75 5,93%
Momentum Guaranteed Return Option R 131 298,00 5,6% R 1 360 395,00 6,35%
Old Mutual Wealth Old Mutual Wealth Fixed Bond No Rates available
Sanlam Cumulus Fixed Return3 R 256 555,00 5,06% R 1 310 700,00 5,51%
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 141 504,86 7,19% R 1 418 352,00 7,24%
Assupol Life Guaranteed-return Single-premium Policy1 R 138 040,94 6,66% R 1 408 460,24 7,09%
Discovery Invest Discovery Guaranteed Growth Plan R 136 425,10 6,41% R 1 399 151,75 6,95%
Liberty Life Guaranteed Investment Plan2 no rates
available
0% R 1 359 821,71 6,29%
Momentum Guaranteed Return Option R 134 230,00 6,06% R 1 389 714,00 6,8%
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 5 343,32 R 502,48
Discovery Invest Discovery Guaranteed Income Plan R 5 223,84 R 587,54
Liberty Life Guaranteed Investment Plan with Income R 4 786,89 R 389,47
Momentum Guaranteed Return Option R 5 059,51 R 660,77

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 5 547,28 R 521,66
Discovery Invest Discovery Guaranteed Income Plan R 5 474,40 R 624,43
Liberty Life Guaranteed Income Plan with Income R 5 076,86 R 457,62
Momentum Guaranteed Return Option R 5 405,61 R 748,68
Sanlam Cumulus Fixed Return with Income R 4 626,57 R 647,34