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Telephone 01737 233 435

Our guide to annuities

This is our guide to buying an annuity and we recommend you read this to understand your options at retirement so you are fully aware of the choices available to you.

Download our guide to annuities here

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Our Promise to you 

Key facts about our service 


  • About our Service
  • Fees payable for our Service
  • Our terms of engagement
  • Use of your information and the current data protection laws and any successor legislation

Please ensure that you read this agreement carefully because it contains important information that you need to be aware of, such as explaining the services being offered to you and how you will pay for them.

This agreement sets out the basis on which we’ll provide you with the Service. If there is anything in this agreement that you do not understand, please contact us before you go any further. All communications and documentation in relation to this agreement and the Service will be in English.



1. Our Service

We offer the following service (“Service”):

Non-advised lifetime annuity comparison

A lifetime annuity is a financial product that gives you a guaranteed income for life in exchange for all or someof your pension savings.

When you use this service, we’ll ask some questions to get you the best price and to narrow down the selection of lifetime annuities. We’ll explain the options that are available to you, so you can tailor the annuities to meet your needs. You’ll receive a list of suitable products and the incomes payable before choosing the one you’d like to buy. You won’t receive advice or a recommendation from us when you use this service and you are responsible for ensuring that a lifetime annuity is suitable for your needs.

With this service you’re responsible for deciding how your annuity will be set up. For example, an annualincrease to keep up with inflation or whether payments continue after your death. Please contact us if you think you might need financial advice as we may be able to help you.

Our service compares lifetime annuities from the whole of the “Open Market” for annuities, it does not consider investment linked, variable rate or with-profits annuities. We do not investigate any options that you may have directly with your existing pension company. 

2. Who we are 

At HUB Financial Solutions Limited, we’re dedicated to finding the right financial products for anyone approaching or in retirement, whether you’re 55 or 105. We understand that everyone is different. That’s why we take the time to get to know what you want to achieve, and what support you’re ideally looking for.

We’ll use the words “we”, “us”, or “our” in this document instead of our full company name, HUB Financial Solutions Limited.

We recently changed our name from Just Retirement Solutions Limited to HUB Financial Solutions Limited. 

HUB Financial Solutions Limited’s parent company is Just Retirement (Holdings) Limited, a UK registered company. Just Retirement (Holdings) Limited also owns Just Retirement Limited, one of the lifetime annuity product providers available to us. These companies form part of the Just Group Plc.

3. Who regulates us

Financial markets need to be honest, fair and effective so you get a fair deal. The Financial Conduct Authority (“FCA”) is the independent watchdog for financial services. It aims to make markets work well – for individuals, for business, large and small, and for the economy as a whole. It does this by regulating more than 56,000 businesses.

HUB Financial Solutions Limited is authorised and regulated by the FCA. Our FCA Register number is 455713. Our registration allows us to provide advice or guidance on financial products to customers in or approaching retirement.

You can check this on the FCA’s Register by visiting the FCA’s website www.fca.gov.uk/register/ or by contacting the FCA on 0800 111 6768.

4. Are we covered by the Financial Services Compensation Scheme (FSCS)?

Yes, we are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.

If the claim involves mis-selling of long terms insurance, such as a lifetime annuity, the FSCS deal with this under its investment protection limits. If you have lost money as a result of any mis-selling and the firm that gave you the advice is unable to pay your claim, then the FSCS protects the claim up to £50,000.

However, if the claim relates to the product provider, the FSCS limits for long term insurance would apply.  This would provide protection to 100% of the claim, with no upper limit.

Visit www.fscs.org.uk for more information about the Financial Services Compensation Scheme.

5. What to do if you have a complaint

If you wish to register a complaint, please contact us:

  • in writing: HUB Financial Solutions Limited, Vale House, Roebuck Close, Bancroft Road, Reigate, Surrey RH2 7RU
  • by phone 01737 233413
  • by email qatjrl@wearejust.co.uk
  • by fax 01737 227 193

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at:www.financial-ombudsman.org.uk/



If you buy a lifetime annuity, we will normally receive commission on the sale from the product provider.Although you pay nothing up front, that doesn’t mean our Service is free.

You pay us indirectly through product charges. Product charges pay for the product provider’s own costs andany commission.

These charges reduce the amount of income you will receive from a lifetime annuity. If you buy direct, the product charges could be the same as when buying through a financial intermediary, such as ourselves, orthey could be higher or lower.

We’ll tell you how much the commission will be paid before you complete your purchase, but you can ask for this information earlier.




1. We will provide the Service detailed in “About Our Service” Section above subject to the limitations set out in this agreement.

2. This agreement comes into effect when you first make contact with us or when we first contact you (if earlier).

3. We will accept your instruction orally or in writing. We will acknowledge, either in writing or orally, any instruction you give us. We can refuse your instructions at our discretion.

4. You authorise us to rely on, and treat as fully authorised and binding on you, any decision or instruction which purports to be given by you without further enquiry by us and to accept such a decision or instruction as genuine, without the need for further investigation as to the authority or identity of the person giving it, or purporting to give it, providing the instructions have been received in good faith and without negligence.

5. Please be aware that telephone calls to our office are recorded and monitored.

6. We will forward to you all documentation that we receive about your product.

7. When we make a recommendation to you based on the information you have provided to us and your personal financial objectives, we will confirm these objectives and the reasons for the recommendation in writing. 

8. It is your responsibility to ensure you have provided us with complete and accurate information to enable us to provide the Service detailed in “About Our Service” Section above.

9. Any recommendation we make is solely for the purposes of purchasing the products referred to in the “About Our Service” section. Should you choose to use another firm to purchase a product recommended by us, we will not be liable for any losses suffered or incurred by you.

Client Categorisation

10. We classify all customers as ‘retail’ customers. This means that you have rights with the Financial Ombudsman Service and Financial Service Compensation Scheme (“FSCS”). You have the right to request a different categorisation. However, this may result in you losing some of the protection available under Financial Service and Markets Act 2000 such as the right to refer a complaint to the Financial Ombudsman Service and the right to receive specific information on any investments we recommend or arrange on your behalf.


11. Our fees are detailed above in the ‘Fees Payable For Our Service’ Section above of this agreement.

12. We reserve the right for valid reasons to vary our fees and charges upon 30 calendar days’ notice. Within 30 calendar days of receiving the notice, you may notify us in writing if you do not wish to receive the Service on the basis of the revised charges and we will cease to provide the Service immediately, without any further charge to you. If no such notice is received from you, then you shall be deemed to have accepted the proposed changes. These rights are without prejudice to your right to terminate or cancel our Service at any time under clauses 20 and 21.

Conflicts of Interest

13. We provide the Service to you in accordance with the information set out in this agreement. There may be occasions where a potential conflict of interest may arise in the business that we are transacting for you. If this happens, we will write to you providing full details before we carry out your instructions.

Money Laundering and Financial Crime 

14. All transactions relating to the Service provided by us are covered by Money Laundering Regulations 2007, the Proceeds of Crimes Act 2002 (as amended), the Terrorism Act 2000 and the Anti-terrorism, Crime and Security Act 2001. The FCA also requires that we have appropriate measures in place to prevent the furtherance of financial crime. Our responsibilities under these laws and regulations, and the rules of the FCA, include but are not limited to verifying the identity and address of our clients and of any third party making payments on their behalf. Where we require, you must supply proof of your identity in accordance with the requirements of the above regulations. Such verification may include electronic searches of the electoral roll and the use of credit reference agencies, which will result in a ‘soft foot-print’ on your credit records.
The footprint is not visible to other financial service providers and does not affect your credit rating in any way.

Client Money 

15. We do not handle client money. We will never accept cash and will not accept a cheque made out to us unless this is in settlement of any charges or fees incurred.

Data Protection

16. For the purposes of this clause the terms “processing”, “process”, “sensitive personal data” and “personal data”shall have the meanings given to them in the current data protection laws and any successor legislation.

17. We will ensure that all personal data is collected and used fairly and lawfully and shall ensure that the currentdata protection laws and any successor legislation is complied with at all times.

18. By signing this agreement you consent to us processing your personal data (including sensitive personal data) for the purposes set out in the “Use of Your Information”


19. We shall treat all information you provide to us as confidential (“Confidential Information”) and will only use the Confidential Information for the purposes of providing you with the Service in accordance with this agreement. We shall only disclose (and where applicable, shall ensure that our group companies only disclose) Confidential Information to a third party to the extent necessary to provide the Service to you.

Cancellation/Termination of Service 

20.You or we may terminate our authority to act on your behalf at any time, without penalty. Notice of this termination can be given orally by you or by either you or us in writing and will take effect from the date of receipt. Notice to terminate in writing should be provided to the address given in the Section titled ‘What to do if you have a complaint’ above. Termination is without prejudice to any Service already provided/ transactions already initiated, which will be completed according to this agreement unless otherwise agreed in writing.

21.Where applicable you have the right to cancel any Ongoing Review Service and associated fees without penalty and without giving a reason.

Other Important Information

22. You may not transfer or assign any or all of your rights or obligations under this agreement.

23. Each of the clauses of this agreement operates separately. If any court or relevant authority decides that any part of any clause is (i) unlawful, the remaining parts of that clause and all other clauses will remain in full force and effect; (ii) unfair it will, as far as possible, still apply but without any part which could cause it to be held, viewed or considered unfair.

24. If we fail to insist that you perform any of the obligations under this agreement, or if we do not enforce our rights against you, or if we delay in doing so, that will not mean that we have waived our rights against you and will not mean that you do not have to comply with those obligations. If we do waive a default by you, we will only do so in writing, and that will not mean that we will automatically waive any later default by you.

25. We are not liable or responsible for any failure to perform, or delay in the performance of, any of our obligations under this agreement that is caused by an event outside our control. Such failure or delay does not amount to a breach of our obligations under this agreement. An “event outside our control” means any act or event beyond our reasonable control, including without limitation strikes, lock-outs or other industrial action by third parties, civil commotion, riot, invasion, terrorist attack or threat of terrorist attack, war (whether declared or not) or threat or preparation for war, fire, explosion, storm, flood, earthquake, subsidence, epidemic or other natural disaster, or failure of public or private telecommunications networks. In these circumstances, we must contact you as soon as reasonably possible and the time for performance of our obligations will be extended accordingly.

26. We are not liable or responsible for any mistakes in the Service we provide under this agreement resulting from any information we receive in connection with the Service being incorrect, or relevant information not being provided.

Governing Law and Jurisdiction

27. This agreement will be governed by and construed in accordance with English law and you and we both agree to submit to the non-exclusive jurisdiction of the English courts as regards any claim or matter arising under this agreement.


HUB Financial Solutions Limited may provide you with general information or advice on lifetime annuities. 

We need to collect information about you to assist you to select the most suitable lifetime annuity based on your circumstances, requirements and for certain other specified purposes.  This section tells you why we ask for information, who we provide it to, the purposes for which it may be used and explains how we will protect your privacy.

Compliance with data protection law

We are conscious of our responsibilities under the current data protection laws and any successor legislation and will ensure that the information you provide to us will always be processed and transferred in compliance with all applicable data protection laws and regulations.

What information we may obtain

We may obtain a variety of information about you that may include (but is not limited to) information relating to your financial circumstances (for example, your income, outgoings and existing investments), gender, dependants, together with information about your aims and aspirations. We may also ask you about sensitive personal data such as your physical and mental health.

Any information that is received about you may be retained for at least 7 years.

Your rights 

Current data protection laws and any successor legislation gives you the right to see any personal information that we hold about you. Requests for your personal information shall be provided free of charge. However, where requests are repetitive, or manifestly unfounded or excessive, we may charge you a reasonable fee to cover the administrative costs of providing the information, or may refuse to act on the request.You have the right to require any inaccuracies in personal data relating to you to be corrected.You have the right to prevent processing of personal data (including sensitive personal data) for the purposes ofdirect marketing.

Sharing and use of your information 

We will only use the personal information you provide to us for the following purposes:

a) in order to provide the above mentioned Services to you

b) for the administration and continuing review of your lifetime annuity

c) to contact you either by telephone or by email about the services you received from us

d) to comply with legal and regulatory obligations

e) to perform credit checks and verify your identity

f) for general administrative purposes, including the storage and backup of data

g) for business and analysis purposes

h) for the prevention and detection of fraud

We may share personal information that you provide or make available to us with: our group companies (for purpose i to iii below) and any product providers (for the purpose of iv below) , and to anyone who may have referred you to us together with their group companies (for the purpose of i and iii below), for the following purposes:

i. comply with legal and regulatory obligations;

ii. for general administrative purposes, including the storage and backup of data;

iii. for business and analysis purposes;

iv. for the purposes of obtaining quotes from product providers and reports for you.

v. to provide you with information about other products and services from Moneyfacts.co.uk Limited or any of its group companies that may be of interest.

The product providers that we share your personal information with, may also use your personal information (either alone or in conjunction with a third party) and may also pass your personal information to their group companies for the following purposes:

  • for market research and statistical purposes
  • for gauging sales or product performance
  • for the prevention and detection of fraud

The product providers may also pass your personal information to their third party reinsurers to enable them to provide you with a quote.

Transmission of personal information

Data that you provide or make available to us may be transferred to product providers who may transfer such data to countries outside the European Economic Area (“EEA”) that may not have equivalent laws and rules to protect personal information as the United Kingdom. By way of example, we transfer the information provided to product providers who may process your personal information outside of the EEA for general administrative purposes, including the storage and backup of data and in order to provide you with a quote. These companies are required to process personal information about you in accordance with the current data protection laws and any successor legislation.


If you have any questions regarding our use of your data or you wish to update your details or require a copy of your personal data that is held by us, then please write to the Data Protection Officer, HUB Financial Solutions Limited, Vale House, Roebuck Close, Bancroft Road, Reigate, Surrey, RH2 7RU.  A fee (not exceeding the statutory maximum) may apply.

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