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Retirement (65 and older)


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.


  • No longer needed.

 Critical Illness cover 

  • Probably the most important risk cover that you have.


  • You need a decent medical scheme with Gap cover.