We offer a Flexible Life Annuity ('FLA'), and a Flexible Pension Annuity ('FPA'). Click here to find out more about each product and to understand which one is best suited to your clients needs.

Annuities allow individuals to exchange a sum of money, for regular income payments based on their age, health, and life expectancy. Not all annuity products are the same – some provide fixed/escalating income whilst others provide flexibility.
You can find out more about our annuity products by visiting our product pages.

When a client buys one of LCA’s products the assets and funds they invest in are placed into a 'Cell'. As a separate cash transaction the client can also buy the preference share that is attached to that Cell. Purchasing a preference share, as well as a LCA product, can be advantageous. Find out more here.

If you are already registered with us then you can complete a Flexible Annuities Illustration Request form which you can find here.

To register with us then please click here or contact us at lca@stmgroup.online

When the Flexible Life Annuity starts, the annuity payments are calculated using the applicant's age and the initial premium paid. Using an appropriate mortality table and current gilt yield we calculate the yearly annuity payment that the initial premium would support over the annuitant's expected lifetime. The level of annuity payments is recalculated each time an additional premium is paid. Please refer to the key features for more information.

Being a unit-linked annuity, the FLA has a tax-exempt sum which is calculated at the start of the annuity and is the amount of annuity that can be taken tax-free each year. If the level of annuity payments exceed the tax-exempt sum, then the excess is potentially liable to UK income tax. You can find out more in our FLA Technical Guide.

For full details of all charges and fees, please refer to the Charges and Fees document for your client's product.

Yes, in-specie transfers will be considered. Details of the assets to be transferred must be provided as part of the application process, including copies of recent valuations, and must adhere to our permitted investments list.

Yes. Both of our FLA and FPA products are flexible and therefore income ('annuity payments') can be increased, decreased, paused, or restarted.
To make a change please complete this 'Change to Annuity Payments' form and email it to us at lca@stmgroup.online.

To change the level of income payments you will need to complete a 'Change to Annuity Payment' form and email it to us at lca@stmgroup.online. The form will need to be signed by your client before sending it to us.

To change the frequency of income payments you will need to complete a 'Change to Annuity Payment' form and email it to us at lca@stmgroup.online. The form will need to be signed by your client before sending it to us.

Yes. We allow additional premiums, or 'top-ups', to be added to both of our flexible annuity products. The minimum top up is £50,000. There is no maximum limit. If your client wishes to add an additional premium, you can find the Additional Investment/Premium Application form in our document library. Once completed, please email to us at lca@stmgroup.online.

To obtain a current valuation, please contact our Customer Services Team at lca@stmgroup.online.

A 'Change of Personal Details' form will need to be completed and emailed to us at lca@stmgroup.online to let us know that their name has changed. Proof of ID and proof of address will need to be provided.

A 'Change of Personal Details' form will need to be completed and emailed to us at lca@stmgroup.online to let us know that their address has changed. They will need to provide us with a recent copy (last 3 months) of a proof of address document showing their new address.

You or your client will need to complete this 'Change of Bank' form and email it to us at lca@stmgroup.online

For duplicate documents, please contact our Customer Services Team via email lca@stmgroup.online or telephone us on (+44) 0203 640 6843.

If you need a replacement policy schedule then please contact us at lca@stmgroup.online.

No, our annuity products cannot be transferred to another provider.

There is no death benefit payable under the Flexible Life Annuity and Flexible Pension Annuity. However, if your client also bought a preference share in London & Colonial Assurance PCC Plc, on their death their executors can redeem the preference share. You can find more information on the benefits of the preference share here.

Please contact us at lca@stmgroup.online.

Please ask your client to contact us at lca@stmgroup.online so that we can send them the correct form to complete.

Should your client wish to change their mind after they have submitted an application form, they have 30 days to cancel their Flexible Life Annuity (FLA) once they have received their documentation. They will need to complete and return the Cancellation Notice which is included as part of the documentation they receive at the start of their FLA. Please note that if they do cancel within 30 days, they may get back less than they invested if the investments have fallen in value, or third party fees and charges have already been taken, or if they have already received an annuity payment. Please refer to the FLA key features for more details.

Please visit our contact us page to find all the details you need.

If you are unhappy or wish to make a complaint about any aspect of the service you have received, please contact the Customer Service Team at lca@stmgroup.online. Should you remain unhappy with our resolution of your complaint, you can contact the Gibraltar Law Courts. You can find their contact details here. Making a complaint will not prejudice your right to take legal proceedings.

We offer a Flexible Life Annuity (FLA), and a Flexible Pension Annuity (FPA). Click here to find out more about each product and to understand which one is best suited to your clients needs.

Annuities allow individuals to exchange a sum of money, for regular income payments based on their age, health, and life expectancy. Not all annuity products are the same – some provide fixed/escalating income whilst others provide flexibility. You can find out more about our annuity products by visiting our product pages.

When a client buys one of LCA’s products the assets and funds they invest in are placed into a 'Cell'. As a separate cash transaction the client can also buy the preference share that is attached to that Cell. Purchasing a preference share, as well as a LCA product, can be advantageous. Find out more here.

If you are already registered with us then you can complete a Flexible Annuities Illustration Request form which you can find here. To register with us then please click here or contact us at lca@stmgroup.online.

When the Flexible Pension Annuity starts, the annuity payments are calculated using the annuitant's age, the initial premium paid, and the frequency of the annuity payments. Using an appropriate mortality table and current gilt yield we calculate the yearly annuity payment that the initial premium would support over the annuitant's expected lifetime. The level of annuity payments is recalculated each time an additional premium is paid. Please refer to the key features document for more information.

The FPA annuity payments are taxed as pension income.

For full details of all charges and fees, please refer to the Charges and Fees document for your client's product.

Yes, in-specie transfers will be considered. Details of the assets to be transferred must be provided as part of the application process, including copies of recent valuations, and must adhere to our permitted investments list.

Yes. Both of our FLA and FPA products are flexible and therefore income ('annuity payments') can be increased, decreased, paused, or restarted. To make a change please complete this 'Change to Annuity Payments' form and email it to us at lca@stmgroup.online.

To change the level of income payments you will need to complete a 'Change to Annuity Payment' form [insert form] and email it to us at lca@stmgroup.online. The form will need to be signed by your client before sending it to us.

To change the frequency of income payments you will need to complete a 'Change to Annuity Payment' form [insert form] and email it to us at lca@stmgroup.online. The form will need to be signed by your client before sending it to us.

Yes. We allow additional premiums, or 'top-ups', to be added to both of our flexible annuity products. The minimum top up is £50,000. There is no maximum limit. If your client wishes to add an additional premium, you can find the Additional Investment/Premium Application form in our document library. Once completed, please email to us at lca@stmgroup.online.

To obtain a current valuation, please contact our Customer Services Team at lca@stmgroup.online.

A 'Change of Personal Details' form will need to be completed and emailed to us at lca@stmgroup.online to let us know that their name has changed. Proof of ID and proof of address will need to be provided.

A 'Change of Personal Details' form will need to be completed and emailed to us at lca@stmgroup.online to let us know that their address has changed. They will need to provide us with a recent copy (last 3 months) of a proof of address document showing their new address.

You or your client will need to complete this 'Change of Bank' form and email it to us at lca@stmgroup.online

For duplicate documents, please contact our Customer Services Team via email lca@stmgroup.online or telephone us on (+44) 0203 640 6843.

If you need a replacement policy schedule then please complete contact us at lca@stmgroup.online.

No, our annuity products cannot be transferred to another provider.

Yes. Please contact our Customer Services Team at lca@stmgroup.online to request a copy.

There is no death benefit payable under the Flexible Life Annuity and Flexible Pension Annuity. However, if your client also bought a preference share in London & Colonial Assurance PCC Plc, on their death their executors can redeem the preference share. You can find more information on the benefits of the preference share here.

Please contact us at lca@stmgroup.online.

Please ask your client to contact us at lca@stmgroup.online so that we can send them the correct form to complete.

Should your client wish to change their mind after they have submitted an application form, they have 30 days to cancel their Flexible Pension Annuity (FPA) once they receive their documentation. They will need to complete and return the Cancellation Notice which is included as part of the documentation they receive at the start of their FPA. Please note that if they do cancel within 30 days, they may get back less than they invested if the investments have fallen in value, or third party fees and charges have already been taken. They must also repay any amounts already paid to them under the contract of their FPA. Please refer to the FPA key features for more details.

Please visit our contact us page to find all the details you need.

If you are unhappy or wish to make a complaint about any aspect of the service you have received, please contact the Customer Service Team at lca@stmgroup.online. Should you remain unhappy with our resolution of your complaint, you can contact the Gibraltar Law Courts. You can find their contact details here. Making a complaint will not prejudice your right to take legal proceedings.

Annuities allow individuals to exchange a sum of money, for regular income payments based on their age, health, and life expectancy. Not all annuity products are the same – some provide fixed/escalating income whilst others provide flexibility. You can find out more about our annuity products by visiting our product pages.

The level of income or annuity payments can be varied between the minimum and maximum amounts that we will calculate in line with UK regulations. For more information, please refer to the key features document for the product.

If you don't have a copy of the key features document, please contact our Customer Services Team at lca@stmgroup.online.

For full details of all charges and fees, please refer to the Charges and Fees document for your client's product.

If you don't have a copy of the Charges and Fees document, please contact our Customer Services Team at lca@stmgroup.online.

To change the level of income payments you will need to contact us at lca@stmgroup.online.

To change the frequency of income payments you will need to complete contact us at lca@stmgroup.online.

To obtain a current valuation, please contact our Customer Services Team at lca@stmgroup.online.

A 'Change of Personal Details' form will need to be completed and emailed to us at lca@stmgroup.online to let us know that their name has changed. Proof of ID and proof of address will need to be provided.

A 'Change of Personal Details' form will need to be completed and emailed to us at lca@stmgroup.online to let us know that their address has changed. They will need to provide us with a recent copy (last 3 months) of a proof of address document showing their new address.

You or your client will need to complete this 'Change of Bank' form and email it to us at lca@stmgroup.online

For duplicate documents, please contact our Customer Services Team via email lca@stmgroup.online or telephone us on (+44) 0203 640 6843.

If you need a replacement policy schedule then please contact us at lca@stmgroup.online.

Yes, for a fee of £18 we can send you a copy of your client’s P60. Please contact our Customer Services Team at lca@stmgroup.online to request a copy.

No further income payments will be made after your client dies unless they have chosen that the annuity is to continue for their surviving spouse or a dependant. In this scenario, payments will continue to that person subject to new minimum and maximum amounts. No further income payments will be made after that person's death.

Additionally, they may have also purchased a preference share in London & Colonial Assurance PCC Plc. This will entitle the owner to exchange it for the remaining value of the annuitant's fund upon their death. Their personal representatives will be able to claim the remaining value of their fund plus original fee paid for the preference share. Under UK law, the proceeds could be subject to Inheritance Tax as part of their estate. You can find out more about preference shares here.

Please refer to the product Key Features document for more information. If you don't have a copy, you can request one by contacting us at lca@stmgroup.online.

Please contact us at lca@stmgroup.online.

Please ask your client to contact us at lca@stmgroup.online so that we can send them the correct form to complete.

Please visit our contact us page to find all the details you need.

If you are unhappy or wish to make a complaint about any aspect of the service you have received, please contact the Customer Service Team at lca@stmgroup.online. Should you remain unhappy with our resolution of your complaint, you can contact the Gibraltar Law Courts. You can find their contact details here. Making a complaint will not prejudice your right to take legal proceedings.

Annuities allow individuals to exchange a sum of money, for regular income payments based on their age, health, and life expectancy. Not all annuity products are the same – some provide fixed/escalating income whilst others provide flexibility. You can find out more about our annuity products by visiting our product pages.

The level of income or annuity payments can be varied between the minimum and maximum amounts that we will calculate in line with UK regulations. For more information, please refer to the key features document for the product.

If you don't have a copy of the key features document, please contact our Customer Services Team at lca@stmgroup.online.

For full details of all charges and fees, please refer to the Charges and Fees document for your client's product.

If you don't have a copy of the Charges and Fees document, please contact our Customer Services Team at lca@stmgroup.online.

To change the level of income payments you will need to contact us at lca@stmgroup.online.

To change the frequency of income payments you will need to complete contact us at lca@stmgroup.online.

To obtain a current valuation, please contact our Customer Services Team at lca@stmgroup.online.

A 'Change of Personal Details' form will need to be completed and emailed to us at lca@stmgroup.online to let us know that their name has changed. Proof of ID and proof of address will need to be provided.

A 'Change of Personal Details' form will need to be completed and emailed to us at lca@stmgroup.online to let us know that their address has changed. They will need to provide us with a recent copy (last 3 months) of a proof of address document showing their new address.

You or your client will need to complete this 'Change of Bank' form and email it to us at lca@stmgroup.online

For duplicate documents, please contact our Customer Services Team via email lca@stmgroup.online or telephone us on (+44) 0203 640 6843.

If you need a replacement policy schedule then please contact us at lca@stmgroup.online.

Yes, for a fee of £18 we can send you a copy of your client’s P60. Please contact our Customer Services Team at lca@stmgroup.online to request a copy.

No further income payments will be made after your client dies unless they have chosen that the annuity is to continue for their surviving spouse or a dependant. In this scenario, payments will continue to that person subject to new minimum and maximum amounts. No further income payments will be made after that person's death.

Additionally, they may have also purchased a preference share in London & Colonial Assurance PCC Plc. This will entitle the owner to exchange it for the remaining value of the annuitant's fund upon their death. Their personal representatives will be able to claim the remaining value of their fund plus original fee paid for the preference share. Under UK law, the proceeds could be subject to Inheritance Tax as part of their estate. You can find out more about preference shares here.

Please refer to the product Key Features document for more information. If you don't have a copy, you can request one by contacting us at lca@stmgroup.online.

Please contact us at lca@stmgroup.online.

Please ask your client to contact us at lca@stmgroup.online so that we can send them the correct form to complete.

Please visit our contact us page to find all the details you need.

If you are unhappy or wish to make a complaint about any aspect of the service you have received, please contact the Customer Service Team at lca@stmgroup.online. Should you remain unhappy with our resolution of your complaint, you can contact the Gibraltar Law Courts. You can find their contact details here. Making a complaint will not prejudice your right to take legal proceedings.

Annuities allow individuals to exchange a sum of money, for regular income payments based on their age, health, and life expectancy. Not all annuity products are the same – some provide fixed/escalating income whilst others provide flexibility. You can find out more about our annuity products by visiting our product pages.

The level of income or annuity payments can be varied between the minimum and maximum amounts that we will calculate in line with UK regulations. For more information, please refer to the key features document for the product.

If you don't have a copy of the key features document, please contact our Customer Services Team at lca@stmgroup.online.

For full details of all charges and fees, please refer to the Charges and Fees document for your client's product.

If you don't have a copy of the Charges and Fees document, please contact our Customer Services Team at lca@stmgroup.online.

To change the level of income payments you will need to contact us at lca@stmgroup.online.

To change the frequency of income payments you will need to complete contact us at lca@stmgroup.online.

To obtain a current valuation, please contact our Customer Services Team at lca@stmgroup.online.

A 'Change of Personal Details' form will need to be completed and emailed to us at lca@stmgroup.online to let us know that their name has changed. Proof of ID and proof of address will need to be provided.

A 'Change of Personal Details' form will need to be completed and emailed to us at lca@stmgroup.online to let us know that their address has changed. They will need to provide us with a recent copy (last 3 months) of a proof of address document showing their new address.

You or your client will need to complete this 'Change of Bank' form and email it to us at lca@stmgroup.online

For duplicate documents, please contact our Customer Services Team via email lca@stmgroup.online or telephone us on (+44) 0203 640 6843.

If you need a replacement policy schedule then please contact us at lca@stmgroup.online.

Yes, for a fee of £18 we can send you a copy of your client’s P60. Please contact our Customer Services Team at lca@stmgroup.online to request a copy.

No further income payments will be made after your client dies unless they have chosen that the annuity is to continue for their surviving spouse or a dependant. In this scenario, payments will continue to that person subject to new minimum and maximum amounts. No further income payments will be made after that person's death.

Additionally, they may have also purchased a preference share in London & Colonial Assurance PCC Plc. This will entitle the owner to exchange it for the remaining value of the annuitant's fund upon their death. Their personal representatives will be able to claim the remaining value of their fund plus original fee paid for the preference share. Under UK law, the proceeds could be subject to Inheritance Tax as part of their estate. You can find out more about preference shares here.

Please refer to the product Key Features document for more information. If you don't have a copy, you can request one by contacting us at lca@stmgroup.online.

Please contact us at lca@stmgroup.online.

Please ask your client to contact us at lca@stmgroup.online so that we can send them the correct form to complete.

Please visit our contact us page to find all the details you need.

If you are unhappy or wish to make a complaint about any aspect of the service you have received, please contact the Customer Service Team at lca@stmgroup.online. Should you remain unhappy with our resolution of your complaint, you can contact the Gibraltar Law Courts. You can find their contact details here. Making a complaint will not prejudice your right to take legal proceedings.

Annuities allow individuals to exchange a sum of money, for regular income payments based on their age, health, and life expectancy. Not all annuity products are the same – some provide fixed/escalating income whilst others provide flexibility. You can find out more about our annuity products by visiting our product pages.

The level of income or annuity payments can be varied between the minimum and maximum amounts that we will calculate in line with UK regulations. For more information, please refer to the key features document for the product.

If you don't have a copy of the key features document, please contact our Customer Services Team at lca@stmgroup.online.

For full details of all charges and fees, please refer to the Charges and Fees document for your client's product.

If you don't have a copy of the Charges and Fees document, please contact our Customer Services Team at lca@stmgroup.online.

To change the level of income payments you will need to contact us at lca@stmgroup.online.

To change the frequency of income payments you will need to complete contact us at lca@stmgroup.online.

To obtain a current valuation, please contact our Customer Services Team at lca@stmgroup.online.

A 'Change of Personal Details' form will need to be completed and emailed to us at lca@stmgroup.online to let us know that their name has changed. Proof of ID and proof of address will need to be provided.

A 'Change of Personal Details' form will need to be completed and emailed to us at lca@stmgroup.online to let us know that their address has changed. They will need to provide us with a recent copy (last 3 months) of a proof of address document showing their new address.

You or your client will need to complete this 'Change of Bank' form and email it to us at lca@stmgroup.online

For duplicate documents, please contact our Customer Services Team via email lca@stmgroup.online or telephone us on (+44) 0203 640 6843.

If you need a replacement policy schedule then please contact us at lca@stmgroup.online.

Yes, for a fee of £18 we can send you a copy of your client’s P60. Please contact our Customer Services Team at lca@stmgroup.online to request a copy.

On death, the remaining value of your client's fund can be used to provide a cash lump sum (annuity protection lump sum and charity lump sum) and/or income benefits.
Their annuity can include a guaranteed payment period of up to 10 years as well as a nominated second life annuity.

If they die before the age of 75, annuity protection lump sum and income benefits are paid tax free.
If they die aged 75 or older, the annuity protection lump sum will be subject to tax at 45% and any nominated second life or Beneficiary’s income payments will be subject to income tax at the marginal rate of the recipient.

Please refer to the product Key Features document for more information. If you don't have a copy, you can request one by contacting us at lca@stmgroup.online.

Please contact us at lca@stmgroup.online.

Please ask your client to contact us at lca@stmgroup.online so that we can send them the correct form to complete.

Please visit our contact us page to find all the details you need.

If you are unhappy or wish to make a complaint about any aspect of the service you have received, please contact the Customer Service Team at lca@stmgroup.online. Should you remain unhappy with our resolution of your complaint, you can contact the Gibraltar Law Courts. You can find their contact details here. Making a complaint will not prejudice your right to take legal proceedings.

Annuities allow individuals to exchange a sum of money, for regular income payments based on their age, health, and life expectancy. Not all annuity products are the same – some provide fixed/escalating income whilst others provide flexibility. You can find out more about our annuity products by visiting our product pages.

The level of income or annuity payments can be varied between the minimum and maximum amounts that we will calculate in line with UK regulations. For more information, please refer to the key features document for the product.

If you don't have a copy of the key features document, please contact our Customer Services Team at lca@stmgroup.online.

For full details of all charges and fees, please refer to the Charges and Fees document for your client's product.

If you don't have a copy of the Charges and Fees document, please contact our Customer Services Team at lca@stmgroup.online.

To change the level of income payments you will need to contact us at lca@stmgroup.online.

To change the frequency of income payments you will need to complete contact us at lca@stmgroup.online.

To obtain a current valuation, please contact our Customer Services Team at lca@stmgroup.online.

A 'Change of Personal Details' form will need to be completed and emailed to us at lca@stmgroup.online to let us know that their name has changed. Proof of ID and proof of address will need to be provided.

A 'Change of Personal Details' form will need to be completed and emailed to us at lca@stmgroup.online to let us know that their address has changed. They will need to provide us with a recent copy (last 3 months) of a proof of address document showing their new address.

You or your client will need to complete this 'Change of Bank' form and email it to us at lca@stmgroup.online

For duplicate documents, please contact our Customer Services Team via email lca@stmgroup.online or telephone us on (+44) 0203 640 6843.

If you need a replacement policy schedule then please contact us at lca@stmgroup.online.

Yes, for a fee of £18 we can send you a copy of your client’s P60. Please contact our Customer Services Team at lca@stmgroup.online to request a copy.

On death, the remaining value of your client's fund can be used to provide a cash lump sum (annuity protection lump sum and charity lump sum) and/or income benefits.
Their annuity can include a guaranteed payment period of up to 10 years as well as a nominated second life annuity.

If they die before the age of 75, annuity protection lump sum and income benefits are paid tax free.
If they die aged 75 or older, the annuity protection lump sum will be subject to tax at 45% and any nominated second life or Beneficiary’s income payments will be subject to income tax at the marginal rate of the recipient.

Please refer to the product Key Features document for more information. If you don't have a copy, you can request one by contacting us at lca@stmgroup.online.

Please contact us at lca@stmgroup.online.

Please ask your client to contact us at lca@stmgroup.online so that we can send them the correct form to complete.

Please visit our contact us page to find all the details you need.

If you are unhappy or wish to make a complaint about any aspect of the service you have received, please contact the Customer Service Team at lca@stmgroup.online. Should you remain unhappy with our resolution of your complaint, you can contact the Gibraltar Law Courts. You can find their contact details here. Making a complaint will not prejudice your right to take legal proceedings.