The Retirement Account

The certainty of an annuity and the flexibility of drawdown in one simple tax-advantaged wrapper

Your life made simple

The Retirement Account has been designed with advisers in mind. 

One simple, value for money product

  • The Retirement Account offers security, flexibilty and access in one simple product. To make life simpler there is one application, one illustration, one set of charges, one annual statement, and of course, just one product provider
  • Competitive annuity rates for guaranteed income compared with other standard and enhanced annuities. If your client buys an annuity within The Retirement Account, they can benefit from the tax advantages and flexibility of a Drawdown wrapper, as well as receiving a competitive guaranteed income
  • A simple, cost-effective range of funds for Pension Drawdown and Pension Savings, with three levels of risk and three types of investment style

Award winning sales support and customer service

  • Our Sales and Customer Service teams win industry awards year after year
  • You’ll always speak to a UK-based fully trained person
  • Our Sales team includes local Business Development Managers and a central team of Telephone Account Managers. They’ll guide you through sales, making sure you have the right marketing and product literature, suggesting ways to provide better value and close the sale, explaining the product, and providing training if needed
  • Our Customer Service team processes applications quickly and efficiently, carrying out medical interviews if you wish. They will always be here to provide ongoing service for you and your clients

A range of fee options to reflect the advice and service that you give your clients 

  • You can set your own fees at quote and application stage
  • Choose an initial fee, an ongoing fee, ad-hoc fees (for example, when buying additional guaranteed income) or any combination of these
  • The flexible nature of the product means it’s natural for you to maintain client relationships with future fee-earning potential to reflect the service you are giving your clients

Some of the ways we help make your life easier 

  • 98% of calls answered within 20 seconds
  • 99% of quotes issued within 24 hours
  • 100% of applications processed within 48 hours
  • 99% of post-sale admin completed within 5 working days
  • 95% of customers are happy with our service* (based on satisfaction question on call survey)

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