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The information contained in this document and webinar 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. You are encouraged to seek advice from an authorised financial adviser, or to independently decide that this policy is appropriate for you based upon your own judgment and understanding of your financial needs.  Just Retirement Life (South Africa) Limited (Just) is a licensed long-term insurer and an authorised Financial Services Provider, with FSP number 46423. Just is a wholly owned subsidiary of Just Group plc.