Resource Hub
At London & Colonial Assurance ('LCA'), we put our customers first. Within our resource hub you can find lots of useful information to help you.
Our products are only sold through UK financial advisers. If you are interested in purchasing one of our products or want to know if they could be right for you, please speak to your financial adviser. If you don’t have a financial adviser then visit our helpful find an adviser webpage.
Document library
We have a range of documents which can be read and downloaded including:
- Important product documentation
- Useful guides
- Documents to use when you need to make a change
Essential facts and useful guides
Help and support
Contact us
If you can’t find the information you are looking for, we suggest you speak to your adviser in the first instance. However, if you would like to get in touch with us, you can visit our Contact Us page to find the best person to contact. You can also send our Customer Services Team a message with your query.
Getting extra support
We are also on hand to provide extra support for customers who might need some additional help. You can visit our Getting Extra Help webpage to learn about accessibility and how we can help, whatever your needs.
Top 5 frequently asked questions ('FAQs')
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.
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.
When the annuity starts, the annuity payments are calculated using applicant 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 are recalculated each time an additional premium is paid. Please refer to the product key features document for more information.
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.
