Together we build long term relationships, whether you are a financial adviser, investment adviser, discretionary fund manager (‘DFM’), or wealth manager.
We aim to understand your needs and requirements to ensure that your client’s objectives and goals can be met.
Designed for UK tax residents looking for tax efficient, regular income (‘annuity’) payments for life. Our flexible annuities products put you and your clients in control of how their investments are managed.
Flexible Life Annuity (‘FLA’): our FLA is an investment linked annuity where you can control the amount and frequency of the income payments. A minimum investment of £100,000 is required.
Flexible Pension Annuity (‘FPA’): our FPA is an investment linked pension annuity where you can control the amount and frequency of the income payments. A minimum crystallised pension fund of £100,000 is required.
Later Life Account (‘LLA’): our LLA is an investment linked annuity where you can control the amount and frequency of the income payments. It is designed to provide funds for potential future care costs. A minimum investment of £50,000 is required.
Within our annuity products you can invest in a wide range of permitted investments. For more information about our DFM panel and investment platforms, please contact our Customer Services Team.
Warning The value of investments can go down as well as up and your client may get back less than they invest.
The Flexible Life Annuity ('FLA') is a unit-linked purchased life annuity, written on a single life basis.
It is available to UK tax residents, who have at least £100,000 to invest, and are looking for flexible tax efficient income ('annuity') payments for life. You and your clients are in control of the income payment amounts, the income frequency and how your client’s investments are managed. These can all be set at outset and varied at any point.
The Flexible Pension Annuity ('FPA') is a unit-linked lifetime ('pension') annuity, written on a single life basis, and is purchased using crystallised pension assets.
It is available to UK tax residents, who have at least £100,000 to invest, and are looking for flexible tax efficient income ('annuity') payments for life. You and your clients are in control of the income payment amounts, the income frequency and how your client’s investments are managed. These can all be set at outset and varied at any point.
The Later Life Account ('LLA') is a unit-linked purchased life annuity, written on a single life basis.
It is available to UK tax residents, who have at least £50,000 to invest, to provide sufficient funds to pay for care costs in the future. You and your clients are in control of the income payment amounts, the income frequency and how your client’s investments are managed. These can all be set at outset and varied at any point. One-off annuity payments are permitted to help with one-off care related costs.
Don’t already have Terms of Business with us? It’s simple to apply. Just visit our ‘Working with us‘ page to find out what you need to do.
We offer a Flexible Life Annuity (‘FLA’), a Flexible Pension Annuity (‘FPA’) and a Later Life Account (‘LLA’). Click here to find out more about each product and to understand which one is best suited to your clients needs.
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 by visiting our secure document library.
Yes. All of our annuity 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 obtain a current valuation, please contact our Customer Services Team at lca@stmgroup.online.
Please visit our contact us page to find all the details you need.
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