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Your retirement income specialist

We offer an innovative range of lifetime income that provides a sustainable income in retirement. As an insurer, Just guarantees retirement income for life, giving you financial certainty and protection from outliving your assets.

Retirement Insights

Just Retirement Insights is a tracking study to understand the South African retirement market and their retirement needs.

Fair treatment and value for money for your retirement savings

Our Products

Our retirement income options provide guaranteed, stable post-retirement monthly payments. 

Just Lifetime Income

Just Lifetime Income

Fixed Increase Income

Fixed Increase Income

Structured Endowment

Structured Endowment

Our products help protect you from certain risks in retirement.

Your retirement journey

We believe everyone deserves a just retirement, and we’re here to help you make the most of yours. Explore your needs and options now.

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Everyone deserves a just retirement

News and Media

Blended living annuities – a just choice for retirees

A surefire way to secure a stable income in retirement is through a life annuity. But the biggest detractors from a life annuity are often the perceived lack of flexibility, as well as the belief that leaving a capital legacy for beneficiaries is not possible.

Historically, the inability to adjust income from a life annuity has led to many retirees self-insuring against running out of money and is the reason why many South African retirees opt for a living annuity.


Careful tax planning can help you stretch retirement savings

Soon-to-be-retirees have many options to consider to ensure their retirement and discretionary savings work best for them in retirement. If you have diligently saved for retirement, you don’t pay income tax on contributions paid into a retirement fund or retirement annuity, nor on the investment build up within these retirement vehicles. But when you retire and start taking the money out, it will be taxed as income. This article also appeared in BUSINESS TECH


Risks in retirement are increasing - but you don’t have to tackle them alone

Risks in retirement are not new but may have been exacerbated with the COVID-19 pandemic and its effect on lifestyles. Yet there are some practical steps that you can take to best achieve health and wealth in retirement, regardless of market conditions.  


COVID-19 update

You can expect consistent client service from Just during the COVID-19 outbreak and regulated lockdown. Please stay home and stay safe!

Visit the official SA Coronavirus portal for updated information on the virus >>>