| Annuities An annuity is a lump sum investment in exchange for monthly payments made up of part return of capital and part interest. Annuities can be either taken for a set term, for example a Temporary Annuity or can be a Purchased Life Annuity where payments continue for the rest of the annuitant's life. The payments can be guaranteed for a period of time, usually 5 years, or can be Capital Protected whereby on an annuitant's death the life company totals all of the payments made from the premium and, if it is less than the original investment, they pay the balance to the Estate. |
Personal Pensions We are able to arrange pension plans for those people who are looking to save for their retirement. We prefer to utilise the major pension providers, but will, of course, arrange a pension with any pension provider if so requested. |