Retirement Benefits Plan
Insurance Pillar

Retirement Benefits Plan

Retire with confidence and dignity.

About this Pillar

Comprehensive Retirement Benefits Plan from Oakstem

Planning for retirement should begin early — and at Oakstem, we make it simple, secure and rewarding. Whether you're self-employed, part of a small business or preparing for post-retirement life, our Retirement Benefits Plans help you build lasting wealth.

Audience

Who this cover is for

If you recognise yourself in any of these, this is for you.

  • Individuals and families wanting predictable monthly cover
  • SMEs balancing premium cost with comprehensive protection
  • Corporates and contractors needing scheme-level cover
  • Anyone who has been over-charged or under-covered in the past
Our process

How it works with Oakstem

From the first call to the renewal letter, here's exactly what happens.

  1. 01 Step 1

    Discovery call

    A 15-minute conversation to understand what you need to insure and why.

  2. 02 Step 2

    Underwriter comparison

    We pull comparable quotes from our 15+ partner insurers and present the trade-offs.

  3. 03 Step 3

    Policy issuance

    You pick the cover, we handle paperwork, payment scheduling and the certificate.

  4. 04 Step 4

    Claims & renewal

    When something happens, you call us — not the insurer. We manage the claim end-to-end and re-shop the cover at renewal.

Why it matters

Why Retirement Benefits Plan matters

Risk does not announce itself. The right policy means an accident, illness or loss disrupts a few days of your life — not years of your finances.

Available Cover

Cover Options

Tailored protection within Retirement Benefits Plan.

01

Individual Retirement Account

A personal pension to grow retirement savings on your own schedule.

  • Tax efficiency
  • Flexible contributions
  • Compound growth
Learn more →
02

Group Pension Plan

Employer-sponsored pension scheme to attract and retain talent.

  • Employer & employee contributions
  • Group rates
  • Statutory compliance
Learn more →
03

Annuities

Convert retirement savings into a steady income stream.

  • Guaranteed income
  • Lifetime payout options
  • Spousal continuation
Learn more →
04

Estate Planning & Legacy

Structure your estate so your wealth passes to the people and causes you care about.

  • Wills & trusts
  • Beneficiary planning
  • Tax-efficient transfer
Learn more →
FAQ

Frequently Asked

Everything you wanted to know about Retirement Benefits Plan.

Underwriters look at the value at risk, your claims history and a handful of risk-rating factors. We help you understand each factor and where you can negotiate or restructure.
Most claims are settled within 14–30 days of complete documentation. Our team chases the underwriter on your behalf so you do not have to.
Yes. Bundling typically unlocks loyalty discounts and a single renewal date — handy if you are also taking medical, motor or property cover with us.
We can usually amend the policy mid-term (add a vehicle, dependent or asset). Major changes may move to the next renewal — we will tell you up front.
Take the next step

Ready to protect your retirement benefits plan?

Talk to a Oakstem advisor and get a tailored quote within 24 hours.

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