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LV= Flexible Guarantee Funds Bridge

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

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

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.

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.

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