We offer a Flexible Life Annuity (FLA), and a Flexible Pension Annuity (FPA). Click here to find out more about each product.

Our products are only sold through advisers. We do not offer our products directly to customers. If you would like some help in finding an adviser then you can learn more here.

With an annuity you can exchange a sum of money, for regular income payments based on your age, health, and life expectancy. Not all annuity products are the same – some provide fixed or escalating income whilst others (like ours) provide flexibility.
However, it is recommended that you speak with your financial adviser to understand more about annuities and whether they would be suitable for you. If you don't yet have a financial adviser, you can learn more about finding an adviser here.

When you buy one of our products the investments (funds) that we purchase with your premiums are placed into a 'Cell'. As a separate cash transaction you 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. For more information please speak to your financial adviser. We also have a useful 'Essential facts of a preference share' guide which you can find here.

Illustrations can only be requested through your financial adviser. Therefore please speak to them about arranging this.
If you don't have a financial adviser and would like some help in finding an adviser, you can learn more here.

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.

With the FLA there is a part that is tax-free (this is called the tax exempt sum) and there is a part that may be liable to UK income tax. As this depends on your personal circumstances you should speak to your financial adviser.
You can find out more in our FLA Essential Facts document.

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

Yes, in-specie transfers will be considered and this will need to be specified on the application form. Please speak with your financial adviser who can provide you with more information.

We recommend speaking to your adviser as they will help you with all key financial decisions.

We recommend speaking to your adviser as they will help you with all key financial decisions.

We recommend speaking to your adviser as they will help you with all key financial decisions.

Yes. We allow additional premiums, or 'top-ups', to be added to both of our flexible annuity products. The minimum amount you can top up is £50,000. There is no maximum limit.

If you wish to add an additional premium, please contact your financial adviser who can help you with this.

We recommend speaking to your adviser as they will help you with all key financial decisions.

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 your 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 your address has changed. You will need to provide us with a recent copy (last 3 months) of a proof of address document showing your new address.

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

To change your security information (for example, memorable information), please contact us at lca@stmgroup.online so that we can send you the correct form to complete.

No, once your annuity is in force it cannot be transferred to another provider. Therefore, you need to make sure that the product is right for you.

Please contact us at lca@stmgroup.online so that we can send you the correct form to complete.

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.

There is no death benefit payable under the Flexible Life Annuity and Flexible Pension Annuity. However, if you also bought a preference share in London & Colonial Assurance PCC Plc, on you death you executors can redeem the preference share. For more information on the benefits of the preference share please speak to you financial adviser or read our Essential Facts of a Preference Share document.

Please contact us at lca@stmgroup.online.

Should you wish to change your mind after you have submitted an application form, you have 30 days to cancel your Flexible Life Annuity (FLA) once you have received your documentation. You will need to complete and return the Cancellation Notice which is included as part of documentation you receive at the start of your FLA.

Please note that if you do cancel within 30 days, you may get back less than you invested if the investments have fallen in value, or third party fees and charges have already been taken, or if you have already received an annuity payment.

Please refer to the FLA key features for more details.

The FLA cannot be encashed or surrendered.

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.

Our products are only sold through advisers. We do not offer our products directly to customers. If you would like some help in finding an adviser then you can learn more here.

With an annuity you can exchange a sum of money, for regular income payments based on your age, health, and life expectancy. Not all annuity products are the same – some provide fixed or escalating income whilst others (like ours) provide flexibility.
However, it is recommended that you speak with your financial adviser to understand more about annuities and whether they would be suitable for you. If you don't yet have a financial adviser, you can learn more about finding an adviser here.

When you buy one of our products the investments (funds) that we purchase with your premiums are placed into a 'Cell'. As a separate cash transaction you 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. For more information please speak to your financial adviser. We also have a useful 'Essential facts of a preference share' guide which you can find here.

Illustrations can only be requested through your financial adviser. Therefore please speak to them about arranging this.
If you don't have a financial adviser and would like some help in finding an adviser, you can learn more here.

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 annuity payments are taxed as pension income.

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

Yes, in-specie transfers will be considered and this will need to be specified on the application form. Please speak with your financial adviser who can provide you with more information.

We recommend speaking to your adviser as they will help you with all key financial decisions.

We recommend speaking to your adviser as they will help you with all key financial decisions.

We recommend speaking to your adviser as they will help you with all key financial decisions.

Yes. We allow additional premiums, or 'top-ups', to be added to both of our flexible annuity products. The minimum amount you can top up is £50,000. There is no maximum limit.

If you wish to add an additional premium, please contact your financial adviser who can help you with this.

We recommend speaking to your adviser as they will help you with all key financial decisions.

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 your 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 your address has changed. You will need to provide us with a recent copy (last 3 months) of a proof of address document showing your new address.

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

To change your security information (for example, memorable information), please contact us at lca@stmgroup.online so that we can send you the correct form to complete.

No, once your annuity is in force it cannot be transferred to another provider. Therefore, you need to make sure that the product is right for you.

Please contact us at lca@stmgroup.online so that we can send you the correct form to complete.

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.

There is no death benefit payable under the Flexible Life Annuity and Flexible Pension Annuity. However, if you also bought a preference share in London & Colonial Assurance PCC Plc, on you death you executors can redeem the preference share. For more information on the benefits of the preference share please speak to you financial adviser or read our Essential Facts of a Preference Share document.

Please contact us at lca@stmgroup.online.

Should you wish to change your mind after you have submitted an application form, you have 30 days to cancel your Flexible Pension Annuity (FPA) once you receive your documentation. You will need to complete and return the Cancellation Notice which is included as part of documentation you receive at the start of your FPA.

Please note that if you do cancel within 30 days, you may get back less than you invested if the investments have fallen in value, or third party fees and charges have already been taken. You must also repay any amounts already paid to you under the contract of your FPA.

Please note that some pension scheme providers may refuse to accept a return of the crystallised funds used to purchase your FPA and you may have to seek an alternative annuity provider in the event that you wish to cancel within the cancellation period.

Please refer to the FPA key features for more details.

The FPA cannot be encashed or surrendered.

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.

With an annuity you can exchange a sum of money, for regular income payments based on your age, health, and life expectancy. Not all annuity products are the same – some provide fixed or escalating income whilst others (like ours) provide flexibility.
However, it is recommended that you speak with your financial adviser to understand more about annuities and whether they would be suitable for you. If you don't yet have a financial adviser, you can learn more about finding an adviser here.

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 Policy Charges and Fees document for your product.

We recommend speaking to your adviser as they will help you with all key financial decisions.

We recommend speaking to your adviser as they will help you with all key financial decisions.

We recommend speaking to your adviser as they will help you with all key financial decisions.

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 your 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 your address has changed. You will need to provide us with a recent copy (last 3 months) of a proof of address document showing your new address.

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

To change your security information (for example, memorable information), please contact us at lca@stmgroup.online so that we can send you the correct form to complete.

Yes. You have the option at any time to request that your product is transferred to another provider that offers a guaranteed annuity.

Please contact us at lca@stmgroup.online so that we can send you the correct form to complete.

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 further payments of income will be made after you die unless you have chosen that the annuity is to continue for your 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, you 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 your fund upon your death. Your personal representatives will be able to claim the remaining value of your fund plus original fee paid for your preference share. Under UK law, the proceeds could be subject to Inheritance Tax as part of your estate. You can find out more about preference shares here.

Please refer to your 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 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.

With an annuity you can exchange a sum of money, for regular income payments based on your age, health, and life expectancy. Not all annuity products are the same – some provide fixed or escalating income whilst others (like ours) provide flexibility.
However, it is recommended that you speak with your financial adviser to understand more about annuities and whether they would be suitable for you. If you don't yet have a financial adviser, you can learn more about finding an adviser here.

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 Policy Charges and Fees document for your product.

We recommend speaking to your adviser as they will help you with all key financial decisions.

We recommend speaking to your adviser as they will help you with all key financial decisions.

We recommend speaking to your adviser as they will help you with all key financial decisions.

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 your 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 your address has changed. You will need to provide us with a recent copy (last 3 months) of a proof of address document showing your new address.

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

To change your security information (for example, memorable information), please contact us at lca@stmgroup.online so that we can send you the correct form to complete.

Yes. You have the option at any time to request that your product is transferred to another provider that offers a guaranteed annuity.

Please contact us at lca@stmgroup.online so that we can send you the correct form to complete.

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 further payments of income will be made after you die unless you have chosen that the annuity is to continue for your 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, you 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 your fund upon your death. Your personal representatives will be able to claim the remaining value of your fund plus original fee paid for your preference share. Under UK law, the proceeds could be subject to Inheritance Tax as part of your estate. You can find out more about preference shares here.

Please refer to your 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 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.

With an annuity you can exchange a sum of money, for regular income payments based on your age, health, and life expectancy. Not all annuity products are the same – some provide fixed or escalating income whilst others (like ours) provide flexibility.
However, it is recommended that you speak with your financial adviser to understand more about annuities and whether they would be suitable for you. If you don't yet have a financial adviser, you can learn more about finding an adviser here.

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 Policy Charges and Fees document for your product.

We recommend speaking to your adviser as they will help you with all key financial decisions.

We recommend speaking to your adviser as they will help you with all key financial decisions.

We recommend speaking to your adviser as they will help you with all key financial decisions.

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 your 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 your address has changed. You will need to provide us with a recent copy (last 3 months) of a proof of address document showing your new address.

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

To change your security information (for example, memorable information), please contact us at lca@stmgroup.online so that we can send you the correct form to complete.

Yes. You have the option at any time to request that your product is transferred to another provider that offers a guaranteed annuity.

Please contact us at lca@stmgroup.online so that we can send you the correct form to complete.

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 further payments of income will be made after you die unless you have chosen that the annuity is to continue for your 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, you 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 your fund upon your death. Your personal representatives will be able to claim the remaining value of your fund plus original fee paid for your preference share. Under UK law, the proceeds could be subject to Inheritance Tax as part of your estate. You can find out more about preference shares here.

Please refer to your 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 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.

With an annuity you can exchange a sum of money, for regular income payments based on your age, health, and life expectancy. Not all annuity products are the same – some provide fixed or escalating income whilst others (like ours) provide flexibility.
However, it is recommended that you speak with your financial adviser to understand more about annuities and whether they would be suitable for you. If you don't yet have a financial adviser, you can learn more about finding an adviser here.

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 Policy Charges and Fees document for your product.

We recommend speaking to your adviser as they will help you with all key financial decisions.

We recommend speaking to your adviser as they will help you with all key financial decisions.

We recommend speaking to your adviser as they will help you with all key financial decisions.

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 your 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 your address has changed. You will need to provide us with a recent copy (last 3 months) of a proof of address document showing your new address.

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

To change your security information (for example, memorable information), please contact us at lca@stmgroup.online so that we can send you the correct form to complete.

Yes. You have the option at any time to request that your product is transferred to another provider that offers a guaranteed annuity.

Please contact us at lca@stmgroup.online so that we can send you the correct form to complete.

To nominate or change a second life, please email to us at lca@stmgroup.online.

If you would like to request that a charity or charities of your choice get paid any remaining value from your policy once terminated, then please email 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.

On death, the remaining value of your fund can be used to provide a cash lump sum (annuity protection lump sum and charity lump sum) and/or income benefits.

Your annuity can include a guaranteed payment period of up to 10 years as well as a nominated second life annuity.

If you die before the age of 75, annuity protection lump sum and income benefits are paid tax free. If you 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 your 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 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.

With an annuity you can exchange a sum of money, for regular income payments based on your age, health, and life expectancy. Not all annuity products are the same – some provide fixed or escalating income whilst others (like ours) provide flexibility.
However, it is recommended that you speak with your financial adviser to understand more about annuities and whether they would be suitable for you. If you don't yet have a financial adviser, you can learn more about finding an adviser here.

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 Policy Charges and Fees document for your product.

We recommend speaking to your adviser as they will help you with all key financial decisions.

We recommend speaking to your adviser as they will help you with all key financial decisions.

We recommend speaking to your adviser as they will help you with all key financial decisions.

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 your 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 your address has changed. You will need to provide us with a recent copy (last 3 months) of a proof of address document showing your new address.

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

To change your security information (for example, memorable information), please contact us at lca@stmgroup.online so that we can send you the correct form to complete.

Yes. You have the option at any time to request that your product is transferred to another provider that offers a guaranteed annuity.

Please contact us at lca@stmgroup.online so that we can send you the correct form to complete.

To nominate or change a second life, please email to us at lca@stmgroup.online.

If you would like to request that a charity or charities of your choice get paid any remaining value from your policy once terminated, then please email 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.

On death, the remaining value of your fund can be used to provide a cash lump sum (annuity protection lump sum and charity lump sum) and/or income benefits.

Your annuity can include a guaranteed payment period of up to 10 years as well as a nominated second life annuity.

If you die before the age of 75, annuity protection lump sum and income benefits are paid tax free. If you 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 your 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 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.