Annuities for Ex-Pats Living in Spain

 
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Retirement Poducts for British Nationals with UK pensions living in Spain
Many UK Nationals retire to the sunnier climate of Spain. However many still have financial products in the UK including pension savings products. If you are now in the position where you want to convert your pension to an annuity, or perhaps just take a tax free lump sum from your fund, we can help. We have helped may ex-pats across the globe, but particularly in Spain, make the most of their pension savings.
What we do, and how we do it
  UK Annuities when Living in Spain
  We will provide you with no obligation quotes from all UK annuity providers. Even if you don't have a UK address we can still get you a UK annuity. Most UK pension providers will not deal with customers but require a company like ours to help. Most companies in the UK don't hold the relevant regulatory permissions to help. We do, and we can help. We will provide you with quotes and a FREE information pack that explains everything you need to know about annuities.
  Tax Free Cash Only
  If you are aged 55 or over we can help you just take a tax free lump sum from your pension fund while leaving the rest of the fund in place so that you can take an annuity when you are older. A tax free sum may help the purchase of your ideal retirement home. Even though you are in Spain we can give you access to a full range of retirement products.
  Income Drawdown
  We are able to provide two types of income drawdown  -  a standard drawdown contract and one that will give you a guaranteed maturity amount if you agree to a fixed term. Our bespoke information pack will allow you to decide if Income Drawdown is appropriate to helping you to plan for your retirement in Spain.
  Impaired Annuities
  You may qualify for an enhanced or impaired annuity even if you don't have a UK doctor. Once again 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. There is no obligation on you to do business with us.
  Payment into either a UK bank or a local bank if you prefer
  If you have an account with Banesto, BBVA or Caja Madrid and want your pension income paid into that bank, it should not be a problem. Santander of course now have a large presence in the UK. Most UK pension providers are able to pay into the bank of your choice.
  Knowledgeable People to Talk To
  Our team are able to explain the important concepts and issues relating to all type of pension contracts using easy to understand language. We will never put you under pressure to do business as we understand that this is an important decision that only you can make.
  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 Spain


Spain has become a popular destination for Brits looking for a nicer, and warmer lifestyle.

While some wait until retirement age before making the move, many go at a much younger age. However quite often they leave behind a series of financial products such as pension savings plans. For many this can be an important and valuable assets, providing an income in retirement and in some cases allowing people to achieve some financial goals in their mid fifties.

The problem is how do you get the information you need and then take the necessary action when you are many miles from home. That is where we come in . . . .

We can deal with you by email and telephone and when the time comes to take action we will do most of the liaison and form filling for you. We then send you all the relevant paperwork so you can check it and make sure you are happy with it. All you then have to do is sign the appropriate forms and return them to us. We take care of everything else.

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 Rioja, San Miguel or many of the other drinks of your adopted country, that may also qualify you for an enhanced annuity.

You may have reached the point where you don’t need a regular income but would benefit from taking a Tax Free lump sum from your pension. 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.

You may have simply reached the stage where you are in excellent health, enjoying your home in Spain and now wish to receive a regular annuity 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 permission to deal with UK customers in Spain.

UK Annuities in Spain- 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. 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.

We can normally get quotes and information packs to you within 24 hours, sometimes much quicker. In the case of 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.

You should always bear in mind that the tax situation in Spain may conflict with some UK Tax rules. Spain and the UK have a reciprocal tax agreement otherwise known as a Double Taxation agreement. Ironically this doesn't mean that you are taxed twice but rather both countries will allow you to chose one country to be the country where you pay tax on all your worldwide income and assets.

There is no reciprocal tax agreement between the UK and Gibraltar.

In all cases it is your responsibility to understand and comply with any tax jurisdiction appropriate to you. Further details about the UK's Double Taxation agreements with Spain can be found on the HMRC Website.



Spanish Annuities - What you have to do


You have a number of things to consider. Remember doing nothing is a real option and may be the best one for you.

There are a number of features that you may want to include within your annuity or any alternative retirement product. 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.

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 you may need to do nothing extra.

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.




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 Spain, 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 ?!!!

 


 
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Telephone : 020 33 55 4827           Fax : 0871 277 1422           Email : info@platinumifa.co.uk

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