Ours is a highly informed approach that seeks to match the solutions available in the market with the specific requirements of our clients.
We provide non-insured annuity solutions from our offices in Guernsey. Typically used as a decumulation vehicle from non-UK pension plans, our annuity solutions can provide retirees with the means of extracting pension assets in a tailor-made contract over a short term or for the remaining lifetime of the Member.
Unlike an insurance annuity which offers a guarantee to pay a pension income over your lifetime, our non-insured lifetime annuities are written against the value of the assets and will generally decrease over time while you receive an income. As a result, it could fully pay out before your death. If you die before receiving the total benefits, the residual value can be passed to your noted beneficiaries and not recalled by the annuity provider.
Our short-term annuities can be written over a fixed term, typically three-five years with the ability to tailor the payment terms in equal or varied amounts.
