Useful guides

Here you can read our guides and product literature or download them to read later.

You will need Adobe Acrobat Reader  to be able to view them. 
  

Downloadable guides
	Budget planner Use this to help plan your incomings and outgoings in retirement.
	Annuity customer guide to tax Answering common questions about tax.
	Terms of the Just Retirement pension annuity  A document detailing the terms of our pension annuity.
	Our enhanced annuity key features document  Key features of our pension annuity and further information.
	A guide to your cash facilty A document detailing the cash facility available with our Roll-Up Lifetime Mortage
	Top 10 tips when considering ER A useful guide when considering equity release

Below are documents created by third parties and links to third party sites that we feel may be of interest.

Useful information
	Little Book of Big Scams Opens a guide to avoiding scams, courtesy of Operation Sterling, Metropolitan Police Service
	Pension and retirement planning This is a link to the Directgov website which has information on planning your retirement
	Avoiding Scams Opens Age UK's guide to avoiding scams

Useful linksUseful forms
What is Equity Release?