annuities for Ex-Pats Living in France

Pension Annuity Phone Number : 0845 83 87 811
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Annuties and Retirement Products for Customers Overseas
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Spring 2020

Please note: Currently we are unaware of any UK pension provider who is offering annuities to ex-pats. We are able to offer ex-pats a flexi access drawdown product, but this will not give you the guaranteed income for life that is a standard feature of an annuity. As such, it may not be suitable for some people. We would recommend that you contact your existing UK pension provider as some be able to offer annuities to existing clients. However the amount they offer may not be as much as you would have received if you could have placed your pension fund on the open market for an annuity.

If you have made a place in France your home, you may now need help in turning a UK pension fund into an income or taking advantage of other retirement products in the United Kingdom. We are a company that specialises in helping Brits abroad access and use their existing pension fund, including taking a pension lump sum.
What we do, and how we do it
  French Annuities
  Even if you no longer have a UK address we can still get you a UK retirement product. We deal with our customers by telephone, email and post. We will work with you to make the transaction as hassle free as possible. We will do most of the work for you. We will provide you with no obligation quotes from all UK annuity providers.
  Tax Free Cash Only For UK Nationals in France
  If you only want to release your Tax Free Lump sum from your pension we provide full quotes and information on how to achieve your goal. If you have 3 years or more to go before you retire we can even get you guaranteed growth on the rest of your fund. We also have other options to help you achieve your objective. Even though you are in France, we can still give you access to UK retirement annuities and products.
  Income Drawdown
  The fact that you are in France should not be a problem. We are able to provide a standard drawdown contract and one that will give you a guaranteed maturity amount if you agree to a fixed term of three years or longer
  Impaired Annuities
  You may qualify for an enhanced or impaired annuity even if you don't have a UK doctor. The fact that you are not in the UK may not be a problem, however it may taker a little longer to set up your annuity given the additional complication.
  Personalised Information Pack
  Every customer who requests a quote gets a free information pack, that explains everything you need to know about your selected transaction. This is delivered to your email account normally on the same day of your enquiry. There is no obligation on you to do business with us.
  Payment into either a UK bank or a local bank if you prefer
  We can arrange for you to be paid in either Sterling, Euros or whatever the local currency happens to be. There is no need for you to have a UK bank account. If you have a bank account in France with say BNP Paribas , most UK annuity providers will be happy to pay into it.
  Knowledgeable People to Talk To
  Our efficient and friendly staff will answer all your questions in easy to understand language. You are always in control of the transaction and there is no obligation on you to do business with us. We believe you will enjoy talking to our team.
  10 out of 10 Service
  We constantly receive excellent customer feedback with well over 80% of our customers scoring us 10 out of 10. But don't take our word for it .......
As part of our commitment to excellent customer service we will provide for every customer a bespoke quote and a personalised information pack, containing over 20 pages, which explains everything you need to know about your annuity or income drawdown contract

Including :

Taking a Tax Free Pension Lump Sum
Risks and Benefits
Full Product Features
GAD Rates *
Fund Management *
Tax & Death Benefits
Get your FREE quote and pack sent direct to your email account, by completing our on-line form.
FREE Quotes and Information Pack
* Income Drawdown Only 

Annuities for British People Living in France

Many Brit’s have decided to leave the UK and set up home abroad, the diversity of the country along with its excellent food and wine make it very attractive to the average Anglo-Saxon !!

While you have made a new life for yourself, you may still have an existing pension plan in the UK which you will need to access in line with the pension rules applicable under UK law. This is where we come in.

We can help you manage your UK pension from the luxury of your own home in a way that is convenient and helpful to you. If you have access to an internet account and a telephone we can provide you with quotes and an information pack in no time at all.

A full range of pension planning options are available to you. You may qualify for an impaired annuity, if so we can get you quotes from those providers offering enhanced annuity rates either due to impaired medical circumstances or simply because you are a smoker. If you are a regular drinker of the wine and beer of your adopted country, that may also qualify you for an enhanced annuity.

We can even give you access to recently introduced products such a With-Profits Annuities and Flexible Drawdown.

Maybe you are at the stage where you are not yet ready to retire, but would benefit from taking a Tax Free Lump Sum from your pension fund. We can help you obtain a pension lump sum, as well as work with you over the longer term to ensure that the remaining fund is managed in line with your attitude to risk.

Equally you may be in excellent health, enjoying your home in France and now wish to receive a regular income from your pension.

Whatever your circumstances we can help you. We do all the administration work for you and keep you informed of progress every step of the way. We have the regulatory authority to help UK nationals living in France.

Annuities for Brit's in France - What We Do

By completing any of our simple on-line request forms we can provide you with bespoke quotes and information on your pension options. Normally we can get these to you within 24 hours of your request, sometimes much quicker.

If you prefer to talk to somebody then please feel free to call us on 020 33 55 4827 and we will happily discuss any concerns you have or answer any questions. Sorry English speakers only : nous ne parlons pas français !

If you qualify for an enhanced annuities the process can take a bit longer. We will typically need to talk to you to go through some detailed medical questions which we then place before the various underwriters who offer enhanced annuities. It can take 3 – 4 days before they all come back to us, but the enhanced annuity quotes are based on your exact medical circumstances and are not based on a computerised estimate.

If you decide to do business with us we will do all the pension administration work for you, including completing all the forms required by your existing pension provider and your new provider. We will check with the various providers that progress is being made and keep you updated throughout. As the feedback from our customers demonstrates, you can sit back and relax while we do all the work for you.

French Annuities - What you have to do

There are a number of features that you may want to include within your annuity or Drawdown contract. It should be remembered that as you add features to your annuity, the amount paid in monthly income is likely to go down, but you may consider some features too important to leave out.

Many people can feel that they have to take action once they reach a certain age or point of in the lives. In the majority of cases this isn't necessarily the case and you may be better off not touching your pension at all at the current time.

Depending on your circumstances we may need your co-operation in completing some aspects of the transaction. If you have a UK bank account and still have a property in the UK then that will be a great help and may mane that we need nothing else from you.

In some circumstances you may need to present yourself and some standard documents to a local Notarie, Solicitor or other recognised Legal professional who can verify your identity.

You should always make sure you understand and comply with the appropriate tax legislation affecting the place where you live. France and the United Kingdom have a double tax agreement which means that you can choose which of the two counties you are taxed in. This may impact on your pension benefits

Annuity Rates

It is a standard feature of pension annuities that the place where you live can have an influence on the annuity rate you will receive. This applies to annuities in the United Kingdom as well as other countries.

While the annuity providers will not give you a lower annuity rate simply because you now live in France, you should remember that if you are now retired in an idyllic countryside location you may get a lower rate as the underwriter may consider that your life expectancy is significantly greater than somebody who lives in the center of a city - How bad that ?!!!

The rates offered on Income Drawdown contracts tend not to be affected by location.


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Registered Office Address :
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Telephone : 020 33 55 4827           Fax : 0871 277 1422           Email :


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