For brokers, trustees and scheme sponsors
Income that has to arrive every month for thirty years.
Retirement income is the least forgiving product in financial services: it has to keep paying long after everyone who priced it has moved on. Our range spans guaranteed lifetime income, fixed-term certainty, and blended arrangements that combine the two inside one account.
Ladies View, Co. Kerry · Marco Ober, CC BY-SA 4.0
7 products
The retirement range
Each product page sets out who it is for, what it does, and the facts a broker needs before recommending it.
Guaranteed income for life
Lifetime Annuity & Scheme Pension
A guaranteed income payable for the rest of the member’s life, with optional escalation, a guarantee period and a dependant’s pension. Once in payment it cannot be changed.
Read moreCertainty for a defined period
Fixed Term Income Plan
A known income for a chosen term and a known maturity value at the end of it, leaving the member free to decide again later rather than committing for life at one moment in the market.
Read moreGuaranteed floor, variable income
Flexible Income Annuity
Combines a guaranteed minimum income with an investment-linked element, so the member keeps some exposure to markets without risking the floor.
Read moreIncome from non-pension capital
Purchased Life Annuity
A lifetime income bought with capital that is not pension money — an inheritance, a property sale, a settlement — with part of each payment treated as return of capital.
Read moreDrawdown and annuity in one contract
The Retirement Account
One account holding a drawdown pot and a guaranteed income pot side by side, so a member can secure the essential spending and leave the rest invested without running two contracts.
Read moreDefined benefit de-risking
Bulk Annuities
Buy-ins and buy-outs that transfer some or all of a defined benefit scheme’s pensioner liabilities off the sponsor’s balance sheet.
Read moreScheme administration
Defined Benefit Pensions
Ongoing administration and payroll for defined benefit schemes that remain with their trustees, including pensioner payroll, increases and member queries.
Read moreWho to talk to
Arranged through your broker
For brokers, trustees and scheme sponsors. We do not sell direct: the intermediary keeps the client relationship and we underwrite behind it. Everything on this page is issued by an undertaking authorised by the Central Bank of Ireland.
Elsewhere
Other ranges
Investments
Onshore and international accounts, insured funds and open architecture.
Guarantees & surety
Bonds and guarantees issued on our own paper, in credit and suretyship.
Estate planning
Trusts, whole of life cover and professional trustee services.
Workplace protection
Group life, income protection, critical illness and employee support.
Home finance
Lifetime mortgages and later-life buy-to-let lending.