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Ensuring the highest possible guaranteed income

Underwriting at retirement is a fair way of ensuring you get the right income, for life, and gives you confidence that you are getting the highest possible starting income for your retirement savings.

Just SA uses underwriting to assess life expectancy. If you have a shorter-than-average life expectancy, you should qualify for a higher starting guaranteed income.

What is underwriting? 

A professional Just SA underwriter will give you a friendly 20-minute phone call.

No new medical tests or paperwork are required – we assess your personal circumstances through a list of standard questions related to:

  • Socio-economic context
  • Lifestyle
  • Health

The underwriting assessment of your personal circumstances will determine your life expectancy.


There are no negative consequences to completing underwriting. The outcome will be either

  1. A standard life annuity quote (similar to those you would receive from other insurers)

  2. An increased impaired-life quote with a higher starting income

There is no cost to underwriting, other than 20 minutes of your time.
There is no obligation to accept any quote after underwriting.
There is no paperwork required (unless you choose to complete the questionnaire).*

*If you are unwilling or unable to complete the phone call, you can complete the Health Profile Questionnaire. However, we highly recommend a call as it allows our underwriter to ask follow-up questions to better assess the personal circumstance to offer the highest possible starting income.

Why do underwriting?

Underwriting ensures that we treat our customers fairly. The process determines whether we can offer you a higher starting guaranteed income.

Just SA is the only insurer in South Africa to offer underwriting at retirement.

When to do underwriting? 

The underwriting process must be completed at quote stage. Underwriting is optional for our with-profit life annuity, Just Lifetime Income, and compulsory for the others.


Just Life Annuity







Underwriting relies on truthful facts/answers, and Just retains the right to reduce your income if we find evidence of over disclosure. The information contained in this document is for information purposes only and it should not be regarded as advice as defined in the Financial Advisory and Intermediary Services Act 37 of 2002, or any form of advice in respect of the policy, retirement, tax, legal or other professional service. 

Do you need more information?

Consider seeking advice from a qualified financial adviser. Contact us to request the details of an adviser in your area, or to find out more about our offering.

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