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

Flexible Guarantee Funds Bridge

Client benefits

The PRP anytime conversion feature
Free and automatically included so that your client can end their annuity and transfer out at any time should their circumstances change.
The PRP Value protection
Your client can protect the remaining value in their Protected Retirement Plan on their death.
The PRP Plan Protection
Your client can protect the income and guaranteed maturity value (GMV) from their plan by adding plan protection. This means the plan will continue to pay 100% of the income until the end of the term, and will pay 100% of the GMV to the scheme trustees when the plan ends, even if the member dies during the term. The scheme trustees will be able to convert the plan to a lump sum at any time using the conversion option.
The FGF 26 week retrospective smoothing
Using ‘smoothing’ can help to minimise the impact of sudden market variations, this means your clients don’t experience the extreme rises and falls and so will get a more consistent return. The fund values are smoothed by taking the average value of assets over the preceding 26 weeks.
The FGF optional capital guarantees
We guarantee that the value of the FGF funds at the end of the selected guarantee term, will be at least the same as the value of your capital investment on the date it was started, less any money paid out during the term (which includes any withdrawals and adviser charges). This only applies where the customer buys a guarantee
The LV= Mutual bonus
As a mutual company, LV= has no shareholders – we are owned by our members. The mutual bonus scheme was introduced in 2011 to reward eligible members for their ownership of LV=. For our Flexible Guarantee Bond and Flexible Guarantee Funds, the mutual bonus adds extra value to your investments by increasing the value on top of the normal returns applied. We can’t guarantee we’ll be able to announce a mutual bonus every year, as it will depend on LV=’s future trading profits, financial strength and our decisions on how we wish to reward our members but we aim to share our success with members when we can.

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

LV=, County Gates, Bournemouth, BH1 2NF, UK