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.

We have a strong social purpose - a beacon within financial services. We provide products and services that help our customers achieve a better later life and believe that financial intermediaries are best placed to help people with the choices they need to make to achieve this.

There’s now more choice than ever for clients who are approaching retirement or already retired. We recognise that financial intermediaries are the architect of clients’ retirement plans. As the expert you’re able to consider alternatives and recommend a product mix that provides 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.

Outstanding service

We’re committed to supporting you, and we’re consistently recognised for providing excellent service:

  • We were named Company of the Year at the 2021 Financial Adviser Service Awards.
  • We won a 17th consecutive 'five-star' accolade in the 'Pension & Protection Providers' category at the 2021 Financial Adviser Service Awards.
  • We won a 12th 'five-star' accolade in the ‘Mortgage Providers’ category at the 2021 Financial Adviser Service Awards.

    To find out more, please click here.
    As a paraplanner, you can depend on Just to support you with best-in-class foundations:

  • competitive underwritten guaranteed income for life, lifetime mortgage and care products supported with a reputation for excellent service;
  • relevant and insightful content and tools that effectively bring the retirement journey to life; and
  • resources and support to help ensure both client needs and firms are protected through industry and regulatory change on helping an ageing population.
  • Lifetime Mortgage Tools

    Indicative Lifetime Mortgage Calculator - shows clients the total amount they could release from their property.

    Cash Facility Calculator- estimates the amount that a client could release from their property and the amount of any remaining cash facility.

    Interest Serviced Calculator - helps clients decide whether it’s appropriate for them to make monthly payments, the tool provides an indicative figure and doesn’t constitute an illustration.

    Cashback Calculator - shows if our cashback facility could help clients wanting to reduce the impact of borrowing, or access more funds.

    Medical Enhancement Calculator - gives clients an indication of the maximum amount they could borrow when their health and lifestyle is taken into account.

    Early Repayment Charge Calculator - works out how much a client’s early repayment charge could be.

    Retirement Income Tools

    Retirement Budget Planner - a handy tool to help demonstrate client income, expenditure and any potential gaps.

    Critical Yield Calculator - calculate a more accurate critical yield for your clients, a key factor in deciding suitability of drawdown both at outset and product review.

    Drawdown Risk Calculator - model the probability that your client will run out of money while still alive.

    Drawdown Toolkit - instant access to online resources that are designed to provide ongoing support when reviewing drawdown business with your clients.

    Longevity Calculator - how long might your client live (and therefore need an income) for?

    Pensions Deferral Calculator - what impact could a delay in purchasing a Guaranteed Income for Life (GIfL) solution have?

    Pensions Taxation Calculator - helps you calculate how much income tax could be payable by your client if they take all or some of their pension fund as cash.

    Quick Income Builder - overlay all of your client’s income sources in one view - how does this affect their retirement plans?

    Learning support available on


    Events - our events cover a range of topics and are designed to help you keep up-to-date with the latest developments in retirement advice.

    Webinar Library - our on-demand webinars are designed to give you a greater insight into the at-retirement market and how our products can help meet client needs both at and in retirement.

    Retirement Principles - explore modern retirement planning themes.

    Just Posts

    Contact Us

    Address: Enterprise House, Bancroft Road, Reigate, Surrey RH2 7RP
    Email: [email protected]
    Phone: 0345 302 2287
    Website: www.justadviser.com

    Lines are open Monday to Friday, 8.30am to 5.30pm

    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.