We are Just

We’re one of the UK’s leading providers of specialist financial services solutions, completely focused on meeting the needs of people thinking about, approaching, or in retirement.

Just is honest and moral with a strong social purpose. A beacon within financial services. We believe everyone deserves a fair, secure and fulfilling retirement, and that financial intermediaries are best placed to help people with the choices they need to make to achieve this.

Product

To arrange a quote

Pension Annuity (Guaranteed Income for Life)

Lifetime Mortgages

  • Get in touch with your Just relationship contact
  • Call: 0345 302 2287 (option 1)
  • Email: support@wearejust.co.uk   

Care Plans

  • Get in touch with your Just relationship contact
  • Call: 0333 043 7040 (option 2)
  • Email: ltc@wearejust.co.uk

Outstanding service

We are firmly committed to supporting financial intermediaries, and continuing to deliver the outstanding customer service that we’re consistently recognised for:

  • We were awarded a thirteenth consecutive ‘5-star’ accolade in the ‘Life and Pensions’ category at the 2017 Financial Adviser Service Awards.
     
  • We were awarded a tenth consecutive ‘5-star’ accolade in the ‘Mortgage Lenders & Packagers’ category at the 2017 Financial Adviser Service Awards. To find out more, please click here

Following pension freedoms, there is now more choice than ever before for clients who are approaching retirement or already retired. We recognise that financial intermediaries are the architect of your client’s retirement plans. As the expert you are able to advise on a product or assemble the right mix of products that provide secure and flexible income to last a lifetime. As a retirement specialist provider, you can depend on us to support you with first-class service to help you achieve this.

Just is a trading name of Just Retirement Limited, Just Retirement Money Limited, Partnership Life Assurance Company Limited and Partnership Home Loans Limited which are subsidiary companies of Just Group plc. For more details about the Just Group please visit: www.justgroupplc.co.uk.  

 

Guaranteed Income for Life (Pension Annuity)

Guaranteed income for life remains a fundamental customer need in retirement. Research conducted by the International Longevity Centre (UK)[1], in the lead-up to the introduction of pension freedoms, showed that 75% of people approaching retirement would prefer a secure guaranteed income compared to an income that may rise or fall depending on financial markets.

With many people looking for secure income as part of their retirement portfolio our Guaranteed Income for Life solution along with a drawdown product could be the perfect flexible blend.

Our guaranteed income for life solution can:

  • take into account lifestyle information and health factors, as everyone qualifies for their own individual personalised underwritten rate;
  • include a guarantee period of up to 30 years;
  • incorporate value protection; and
  • be used alongside an investment solution to provide both a guaranteed income and access to a ‘just in case’ fund.

Experts in underwriting
From basic information, such as postcode, height and weight and marital status through to more serious health conditions, your client could potentially achieve more retirement income by using our individual underwriting. You can read more about this here.

As underwriting experts we take into account over 1,500 health and lifestyle conditions, either alone or in combination, so that your client receives a rate that accurately reflects their personal circumstances.

Find out more about:
Providing a guaranteed income for life
Medical terms
Medication list
How to get a fully underwritten quote

Why not try our tools?
Longevity Calculator - help your clients get an indication of how likely they are to live to certain ages.
Retirement Budget Planner - help your customers understand income sources and expenditure through retirement.
Pension Taxation Calculator - work out how much income tax your client will have to pay if they take their pension fund as cash.

Just is a trading name of Just Retirement Limited. Registered Office: Vale House, Roebuck Close, Bancroft Road, Reigate, Surrey RH2 7RU. Registered in England and Wales Number 05017193. Just Retirement Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Please note your call may be monitored and recorded and call charges may apply.

 

Lifetime Mortgages

As more people live longer and want to make the most of their retirement years, their pension savings may have to stretch further than they had initially planned.  Whether they need to find additional sources of funds or boost their income, Lifetime Mortgages could be the solution they are looking for.

As a leading provider of Lifetime Mortgages*, we’ve helped tens of thousands of customers to release over £3.5bn from their homes.

Our Lump Sum Plus Lifetime Mortgage helps clients who want to access the maximum possible share of the money locked up in their home. Our enhanced option uses our expert underwriting capability to give clients the potential to borrow an even higher amount based on their medical and lifestyle conditions.

We also have our Lump Sum Lite Lifetime Mortgage which is designed for those who want to release a one-off lump sum without the option to access a pre-agreed cash facility in the future. It usually allows a higher amount than the Drawdown Lifetime Mortgage, but normally at a higher interest rate.

Or, if your clients are looking for a more flexible option, our Drawdown Lifetime Mortgage allows them access to a cash facility which they can use to ‘draw down’ additional advances as they’re needed.

Your client won’t need to make any repayments on the money borrowed, and will continue to own their home, benefiting from any increase in its value.


Why not try our tools?
Longevity Calculator - help your clients get an indication of how likely they are to live to certain ages.
Retirement Budget Planner - help your customers understand income sources and expenditure through retirement.
Pension Taxation Calculator - work out how much income tax your client will have to pay if they take their pension fund as cash.

Just is a trading name of Just Retirement Limited. Registered Office: Vale House, Roebuck Close, Bancroft Road, Reigate, Surrey RH2 7RU. Registered in England and Wales Number 05017193. Just Retirement Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Please note your call may be monitored and recorded and call charges may apply.

 

Care

Meeting the cost of residential and nursing care in old age is a growing issue for many people in the UK.

It’s predicted by Laing Buisson (in their 28th edition - Care of Older People UK Market report) that the number of over 85s in the future will increase almost five times, from 1.6 million in 2017 up to 7.3 million by 2086. In fact, in 2016, there were already 14,500 UK centenarians.  It’s believed that 46,000 women aged 60 and 52,000 men aged 40 in 2016 are expected to survive to 100.

While the State can help with some costs, eligibility for help is limited and many people find the value of their income and/or assets take them over the threshold for that State support - so it’s important to understand the range of financial options available to your clients.

We are a market leading supplier of insurance products to fund care fees and offer two plans (Immediate Care Plan and Deferred Care Plan) that can be tailored to an individual's needs. Our ability to take account of health issues when pricing our plans means we can provide enhanced levels of income to those looking for help to meet care fees.

Please note there is no return of any money from our plans if death occurs after the first six months, unless capital protection has been selected.

To find out more about the different elements of our care products and for support please click on the links below:

Paying for Long Term Care – all plans are individually underwritten and based on the circumstances of each client

Getting started in care – an overview of our care plans and the support we can offer

Immediate Care Plan – a lifetime of income to help pay for care fees

Defferred Care Plan – cover the cost of care fees from a date in the future

Care funding plan benefits and risks – to safeguard some of your client’s original investment

Care advice guide – helping to support advisers through the process of advising clients on adult social care

To speak to a representative about our care product call 0333 043 7040* (option 2) or email ltc@wearejust.co.uk

Just is a trading name of Partnership Life Assurance Company Limited.  Registered Office:  5th Floor, 110 Bishopsgate, London EC2N 4AY. Registered in England and Wales Number 05465261. Partnership Life Assurance Company Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Calls may be monitored and recorded, and call charges may apply. 


[1]The International Longevity Centre (UK) research incorporates a representative survey of 5000 people aged 55-70 who are yet to retire or draw on their private pension wealth.