We are Just

We’re one of the UK’s leading providers of specialist financial services solutions, completely focused on meeting the needs of people thinking about, approaching, or in retirement.

We have a strong social purpose - a beacon within financial services. We provide products and services that help our customers achieve a better later life and believe that financial intermediaries are best placed to help people with the choices they need to make to achieve this.


To arrange a quote

Lifetime Mortgages

  • Get in touch with your dedicated Just contact
  • Call: 0345 302 2287 (option 1)
  • Email: [email protected]   

Guaranteed Income for Life (provided by a pension annuity)

  • Get in touch with your dedicated Just contact
  • Call: 0345 302 2287 (option 2)
  • Email: [email protected]

Care Plans

  • Get in touch with your dedicated Just contact
  • Call: 0333 043 7040 (option 2)
  • Email: [email protected]

HUB Referral Solutions

  • Call: 01737 233412


Just WIN, WIN, WIN... Thank you

Thanks to your support at the Financial Adviser Service Awards 2021, we’re delighted to: 

  • WIN Company of the Year
  • WIN our 17th five stars in the Pensions & Protection Providers category
  • WIN our 12th five stars in the Mortgage Provider category 

See how we help financial advice firms win

Outstanding service

We’re committed to supporting financial intermediaries, and we’re consistently recognised for providing excellent service:

  • We were awarded a sixteenth consecutive ‘5-star’ accolade in the ‘Pensions and Protection’ (formerly ‘Life and Pensions’) category at the 2020 Financial Adviser Service Awards.
  • We were awarded a thirteenth consecutive accolade in the 'Mortgage Lenders and Packagers' category at the 2020 Financial Adviser Service Awards.

To find out more, please click here

There’s now more choice than ever for clients who are approaching retirement or already retired. We recognise that financial intermediaries are the architect of clients’ retirement plans. As the expert you’re able to consider alternatives and recommend a product mix that provides secure and flexible income to last a lifetime. As a retirement specialist provider, you can depend on us to support you with first-class service. 

Just is a trading name of Just Retirement Limited, Just Retirement Money Limited and Partnership Life Assurance Company Limited which are subsidiary companies of Just Group plc. For more details about the Just Group please visit: www.justgroupplc.co.uk.  

Lifetime Mortgages

Helping your clients release tax-free cash from their homes

As more people live longer and want to make the most of their retirement years, their pension savings may have to stretch further than they had initially planned.  Whether they need to find additional sources of funds or boost their income, lifetime mortgages could be the solution they’re looking for.  

The Just For You Lifetime Mortgage is designed to allow an initial lump sum release with the added flexibility of a cash facility, which clients can use to release extra amounts in the future. Our lifetime mortgage also provides an option to pay some or all of the monthly interest amount at a reduced rate to the roll-up interest rate, helping to manage the overall cost of the loan amount.

Using our expert underwriting capability gives your clients the potential to borrow an even higher amount based on their medical and lifestyle conditions.

Why not try our tools?

Indicative Lifetime Mortgage Calculator - show your clients the total amount they could release from their property.

Medical Enhancement Calculator - gives your clients an indication of the maximum amount they could borrow when their health and lifestyle is taken into account.

Cash Facility Calculator - allows you to estimate the amount that your client could release from their property and the amount of any remaining cash facility.

Interest Serviced Calculator – help your clients decide whether it’s appropriate for them to make monthly payments. Our tools provide an indicative figure, and do not constitute an illustration.

Cashback calculator - see how your clients can use cashbacks to access more funds, or possibly reduce the cost of borrowing.

Ask your dedicated Just contact for more information here.