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 in 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.

If you are already registered with us then you can complete an illustration request form which you can find in our secure document library.

If you aren’t currently registered with us then you can register online here or contact us at lca@stmgroup.online

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