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 provide products and services that help our customers achieve a better later life.

Outstanding service

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

  • We were presented with the Outstanding Achievement award in recognition of fifteen consecutive '5-star' accolades in the 'Life & Pensions' category in the 2019 Financial Adviser Service Awards.
  • An eleventh '5-star' accolade in the ‘Mortgage Lenders & Packagers’ category at the 2019 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

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

    Indicative Lifetime Mortgage Calculatorshows 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.

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

    Retirement Income Tools

    Pension 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.

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

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

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

    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.

    Learning support available on


    From breakdowns of the latest regulatory changes to insight on market trends our articles help you stay informed.

    THINK articles - our thought leadership articles are often thought provoking, creating an alternative view or angle on what may be an existing line of discussion.

    Webinar Library

    Our online 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.

    Just Posts

    Contact Us

    Address: Enterprise House, Bancroft Road, Reigate, Surrey RH2 7RP
    Email: support@wearejust.co.uk
    Phone: 0345 302 2287
    Fax: 0345 301 2287
    Visit: 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