Just is a retirement income specialist who focuses on addressing the widespread, recognised problem of people outliving their assets in retirement. We rethink retirement, offering an innovative range of income options that allow retirees to select an income structure that meets their needs.


Just’s lifetime income is a post-retirement monthly payment that provides a guaranteed and stable income in retirement. The income will never decrease no matter what happens to investment markets or how long you live. The annual increase in income depends on the income option selected.


Our products include:

  • Just Lifetime Income
  • Just Fixed Increase Income
  • Just Structured Endowment


An adapted form of Just Lifetime Income is also available as an asset class in a living annuity.


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 risk depleting their retirement savings, especially in a low return environment. Investment tools are very effective in managing investment risk, but longevity risk requires a different tool, one that allows individuals to pool and share risk. Insurance tools were designed to do exactly this.


We believe that individual circumstances, including lifestyle and existing health conditions, should be taken into account when developing a retirement solution, and so all our lifetime income options are offered as enhanced annuities -- a guaranteed monthly income that could pay more based on certain health and lifestyle factors, such as a chronic illness, or smoking.


Founded in 2014, Just Retirement Life (South Africa) Ltd is a subsidiary of the UK-listed Just Group plc, and is managed and staffed by a highly experienced local team.



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