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@vancouverguy Except if there’s exclusions based on your health and you don’t commit suicide in the first 2 years - they pay out for any circumstance. If you lie about your health and they find out after, then they won’t pay out. Either way, the Retirement optimisor is to supplement your...

@resjudicata Look into a Discovery Retirement Optimisor. It’s a Retirement Annuity and a Life cover (separate) but at retirement age, you can convert some of your Life cover into your retirement annuity. R2mil Life cover is cheaper than to try and save monthly to get to R2mil