For Advisers

How we support advisers

Our teams are here to support you and your clients throughout the life of their product. Our experienced and friendly experts are here to help:

Our Business Development Team provides ongoing support for you and your business
Our life product technical specialists will help with all those technical questions
Our Customer Services Team will provide support for you and your clients throughout the product’s lifetime.

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Our products

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Flexible Annuities

Many clients find traditional annuities inflexible. At London & Colonial Assurance (‘LCA’), our unit-linked annuity products offer flexibility to meet your clients’ current and future needs.

Designed for customers investing a lump sum
Provides a flexible income
Allows customers to benefit from potential investment returns
Flexible design lets customers adjust income amount and frequency

For more information, visit our products.

Introducing the Later Life Account

We are pleased to announce the Later Life Account (‘LLA’). A new unit-linked purchased life annuity from LCA.

The LLA is designed to provide sufficient funds to pay for care costs in the future. Annuity payments can be made directly to the annuitant, to care providers, or both. One-off annuity payments are also allowed.

Similar to our FLA and FPA products, the LLA annuity payments are completely flexible and are payable for life or until the funds are exhausted.

For more information, visit our products.

Protected Cell Company (PCC)

LCA is structured as a protected cell company (PCC). To find out what a PCC is and what benefits it offers your clients, visit our secure document library.

Preference Shares

In addition to annuity products, your clients can also buy preference shares in LCA. Discover the benefits of buying a preference share by visiting our secure document library.

Resource hub

This provides you with online support and access to a variety of helpful information:

Online support and resources
Access to guides, product documentation, and useful articles
Watch previous webinars
Explore helpful videos

Flexible Life Annuity

Key Features document

Key Information document

Terms and Conditions

Fair Value Assessment

Flexible Pension Annuity

Key Features document

Target Market Information

Terms and Conditions

Fair Value Assessment

Useful guides

Gibraltar Jurisdiction Facts

Flexible Annuities Brochure

Why Choose London & Colonial Assurance

Why Choose Gibraltar

Latest news

An introduction to the Later Life Account

In this article we introduce the Later Life Account, a new flexible annuity product from LCA, designed for individuals to provide income to pay for...

All Articles

What other advisers say

We are very happy with the fixed capped fees, BR tax relief for the Life annuities and the fact that 100% of the investment can be managed by us on behalf of the client. Highly recommend as a retirement planning tool.

David StampFounder of Independent Financial Solutions

We have dealt with LCA for over 8 years and have found them efficient, knowledgeable and helpful. The staff understand the products they offer and we have used these to great effect for many of our clients. I would highly recommend them to any adviser.

Tony JaumePembroke Consulting

Having been an IFA for over 40 years and a Registered Trust and Estates Practitioner, with more than a working knowledge of Tax and Trusts in the UK and overseas, every so often you find a product and provider that brings something to the party that meets a need for many clients. The FPA counters the issues for post age 75 members for Income Tax on death benefits and the FLA has advantages for assets in the estate, you just need to learn how to use the tools that LCA have provided us with. I did!

Bob MasseyCountrywide Estate Planning ifa