We are retirement income specialists

Just is a specialist retirement income company. We focus on addressing the widespread, recognised problem of people outliving their assets in retirement.

One-size-fits-all retirement income products don’t suit everyone. We know from research that many retirees would prefer to receive a guaranteed income for life rather than invest – and risk depleting – their retirement savings. Some retirees would like both a guaranteed income and the flexibility to invest. We offer products and solutions that allow retirees to select an income structure that meets their needs.

We are part of a global financial services group

Just is a subsidiary of the UK-listed Just Group plc. Just Group is financially strong, with an embedded value of R37bn and a proven track record of enhancing retirement income for over 500,000 customers worldwide.

Just Group has an international scale credit rating of A (five notches above the SA government and three to four notches above SA financial services companies).

Click here to visit the Just Group website.

We offer more options for retirement

We rethink retirement, offering a wide and innovative range of income options that give a guaranteed income for life, providing retirees with financial certainty and protection from outliving their assets. See Our Products

We believe that everyone deserves to make the most of their retirement savings and to be treated fairly, based on their individual circumstances. This means that people with health and lifestyle factors, such as cancer or smoking, could qualify for a higher (‘enhanced’) retirement income. See Do you qualify for a higher income?

We are a regulated SA financial services company with strong local experience

In South Africa, Just has a Board and management team known for their experience and groundbreaking achievements. CEO Deane Moore leads a local executive team with 180 years’ collective experience in the South African life insurance and UK enhanced annuities markets. Together the team designed and launched the world’s first guaranteed income product, with optional medical underwriting, that links annual increases to the performance of specialist asset managers.

Just is regulated in South Africa by the Financial Sector Conduct Authority under the name Just Retirement Life (South Africa) Ltd.


All our Lifetime Income types can be offered as enhanced annuities - a type of guaranteed annuity that pays you more based on certain health and lifestyle factors, such as a chronic illness, or smoking.


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