Retirement (65 and older)

Profile

Medical bills are using up an increasing amounts of your pension as medical inflation outstrips your pension increases.  Post-retirement medical aid premiums along with medical costs cause headaches.

Have the children left home yet?

 Life Cover

• You will need small amounts of cover to cover any debt and to make provision for estate duty.

 Disability

• No longer needed.

 Critical Illness cover 

• Probably the most important risk cover that you have.

 Medical

• You need a decent medical scheme with Gap cover.