Do you have a cheque account? If not, get one. With a cheque account you get a credit record in no time. Get the lowest package if you dont need much of the benefits. Make sure that account do not go into a negative.
A month or 2 later you can apply for a contract again.
I have an RA with Old Mutual, Sanlam and Liberty which I started on the same day with the same amount. What I found is that Sanlam has performed better.
But in your case seeing that you will retire soon, you should..... Speak to various RA experts from various companies in their offices with...