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.

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.

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

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.