Wouldn't it be great if you could get some capital growth while in retirement, but also some kind of guaranteed income?

Stratus gives you the option to transform your retirement payout into a guaranteed income for life, and a variable (market related) income that may increase with possible good returns, all in one policy.

We can help you create a flexible, personalised investment portfolio that matches your risk profile.

	Life Annuity Receive a guaranteed pension (which is not affected by declaring interest rates) until your death. The guaranteed term you select will impact on the level of pension you receive.

	Joint Life Annuity Designed for one spouse to receive the income and on his/her death for the other spouse or common-law partner to receive the income.

	Capital Retention Plan Receive a guaranteed pension until your death. At death, your original capital is preserved and paid to your estate or beneficiaries.

	Pension with Capital Repayment Receive a guaranteed pension until your death or, if you choose, the death of the surviving spouse. After death, the pension ceases and the amount equal to the original capital is paid to your beneficiaries in 60 monthly installments.

	Stratus Composite Annuity This product is also available in the Stratus Premier range. For Stratus Premier Composite Annuity, the minimum investment amount is R115 000. You can choose between all the Stratus investment funds, as well as a range of unit trust funds.

	Stratus Investment Linked Pension This product is also available in the Stratus Premier range. For Stratus Premier Investment Linked Pension, the minimum initial sum is R100 000. You can choose between all the Stratus investment funds, as well as a range of unit trust funds.

	Capital Protection Option Receive a guaranteed pension until your death and choose between Whole life cover or a Chosen Term.