Just guarantees your retirement income for life

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

We offer a guaranteed income in retirement. This income will never decrease no matter what happens to investment markets or how long you live.

We enhance your retirement income where possible

By asking a few health and lifestyle questions, we are able to price fairly, taking into account your individual circumstances. If you have a shorter life expectancy, you should receive a higher (enhanced) guaranteed income for life for the same purchase amount as a person with a longer life expectancy. If we have given you a higher guaranteed income and you live longer, your income will be paid for the rest of your life, no matter how long you live.

Our solutions combine global research and local experience

Just Group has an in-house team of epidemiologists, doctors and biomedical statisticians. They have analysed over 750 000 person years of data and 23 000 global research articles to develop Just’s intellectual property on underwriting health and lifestyle conditions in retirement. The South African team uses this knowledge, and their experience of the local market, to enhance lifetime income in retirement. 

We are part of a financially strong, international 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.

We partner with high quality asset managers and administrators

We are specialists in providing insurance that guarantees income in retirement over a person’s lifetime and enhances this where possible. By collaborating with specialist asset managers and administrators with a strong track record, we can further enhance our retirement income solutions.

We have already been appointed as a default annuity provider for over 80 retirement funds in South Africa.