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Give your clients the perfect bridge into retirement with this hybrid solution

Flexible Guarantee Funds Bridge

The LV= Flexible Guarantee Funds Bridge

Give your clients a smooth bridge into retirement which has the potential for growth (with optional guarantees) for a fixed period.


The benefits

  1. The security of an income in retirement
  2. A guaranteed return of capital (only applies when a guarantee is purchased)
  3. Ad-hoc income can be withdrawn from funds
  1. Flexibility to change, or even stop the income
  2. Pass on your income and capital growth too

With the introduction of the Pension Freedoms we launched the LV= Retirement Account, which offers a full spectrum of retirement blends to meet any client need. To explore the other blends available, visit Pathfinder

The LV= Flexible Guarantee Funds Bridge is a packaged hybrid solution for you and your clients to consider.

Video transcript

Before reaching retirement, most of your clients will feel in a position of relative stability, in employment receiving a regular income and by age 75 the chances are they’ll have a clear sense of what they want the rest of the retirement to be like and the money they’ll need to support this.

But a lot can happen during the early years of retirement and your clients need both flexibility and security during this time. The LV Flexible Guarantee Funds Bridge can give your clients a perfect bridge over this period of uncertainty. It’s been designed for those at the start of their retirement who want both flexibility and the potential for growth.

It works by investing your client’s pension pot in a SIPP wrapper provided by the LV= Flexible Transitions Account, then all you have to do is allocate your pension benefits between a hybrid of two products.

The LV= Protected Retirement Plan is our version of a Fixed Term Annuity and provides the guaranteed regular income which is paid into a SIPP bank account. Your client can choose to hold the income there to help with tax planning, transfer it into their domestic bank account or reinvest it. It even provides the flexibility for ad hoc income payments to be made.

The potential for growth is provided by a choice of three Flexible Guaranteed Funds, a cautious, balanced or managed growth option all risk rated by distribution technology. All of the funds come with investment smoothing as standard and optional capital guarantees. This signature hybrid solution can be arranged with one simple illustration and one signature-less online application which offers your client one account, one income payment date and one annual statement.

Find out more about how the LV=Flexible Guaranteed Funds bridge can give your clients the perfect bridge into retirement by speaking to your usual LV contact or by visiting LV.com/adviser.

The LV= Flexible Guaranteed Funds Bridge is the simple way for you and your clients to consider, select and purchase the most popular LV= blend of retirement income solutions.

To find out more about the LV= Flexible Guarantee Funds Bridge and how it works you can download our introduction to the LV= FGF Bridge.

Regular income can be paid into the SIPP bank account within the SIPP wrapper, and (from there) can be paid directly into the clients’ own bank account, or can be accumulated within the SIPP bank account to assist with managing your clients’ tax position. It’s also easy to amend, or even pause the income from the SIPP bank account.


Adviser support

08000 850 250

TextDirect: first dial 180 01

For advice or information on creating multi-product retirement solutions or using our LV= Retirement Pathfinder tool, give us a call and we’ll do all we can to help you.

Lines open: 9am – 5.30pm Monday to Friday.

Calls may be recorded and/or monitored for training and audit purposes.

image of blended award trophy

Our awards

We've won the Life & Pensions Awards 2016 for blended solutions!

Financial Adviser Life & Pensions awards 2016 | Winner Blended solution provider of the year

FOR UK FINANCIAL ADVISERS ONLY
LV=, County Gates, Bournemouth, BH1 2NF, UK