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London Colonial
History of LCA
LCA was established in 2001 as a public limited company and a life insurance provider. LCA is licensed to write Class I (life and annuity), Class III (linked long-term assurance business) and Class VI (capital redemption) products. LCA has a long history in the UK market and provides an alternative to conventional annuities, offering greater flexibility for income and investment choice.
In 2016, LCA was acquired by STM Group Plc, a multi-jurisdictional financial services group that was established in 1989. STM Group Plc specialised in the administration of client assets in relation to retirement, estate and succession planning, and wealth structuring.
In October 2024, STM Group Plc was acquired by Jambo SRC Limited, and is evolving into the Global Pension Corporation.
Working with UK financial advisers
LCA is a non-advisory business. This means that we don’t provide any form of advice and therefore all of our products are distributed via UK registered financial advisers, to UK customers. Our products are not available to be purchased directly from customers.
We have a long-standing history in the UK market and are proud to be able to offer unique products as an alternative to conventional annuities. As a result of this, we have many long-term relationships with large financial advisor firms within the UK who remain strong advocates for our products and high levels of customer service.
Our unique advantage
LCA in Gibralter
Gibraltar, a British overseas territory, affectionately known as the Rock by its residents, is located at the southern tip of the Iberian Peninsula of mainland Europe and is the home of LCA.
Gateway to the UK
Gateway to the UK It is the only place in the world with passporting rights into the UK. This means that LCA can easily market and sell our financial products in the UK.
A protected cell company
LCA is structured as a protected cell company (‘PCC’) which offers additional benefits to clients. You can find out more about a PCC by reading our simple guide: Essential Facts of a Protected Cell Company
Why Gibraltar?
It is a self-governing well-regulated financial centre with robust regulatory standards. The Gibraltar Financial Services Commission (‘GFSC’) is the local supervisory body responsible for monitoring the financial services industry. The GFSC continues to provide support and regularly collaborates with the industry as well as closely mirroring the regulatory regime in the UK. The Financial Action Task Force, the global anti-money laundering watchdog, also recognises Gibraltar as a responsible and transparent financial centre, dedicated to upholding the highest standards of compliance with its international obligations.
Home of flexible annuities
Flexible Life Annuity
The Flexible Life Annuity ('FLA') is a unit-linked purchased life annuity, written on a single life basis.
It is available to UK tax residents, who have at least £100,000 to invest, and are looking for flexible tax efficient income (‘annuity’) payments for life. You and your clients are in control of the income payment amounts, the income frequency and how your client’s investments are managed. These can all be set at outset and varied at any point.
Download information PDFFlexible Pension Annuity
The Flexible Pension Annuity ('FPA') is a unit-linked lifetime ('pension') annuity, written on a single life basis, and is purchased using crystallised pension assets.
Available to UK tax residents with £100,000+ to invest, seeking flexible, tax-efficient lifetime income. Clients control payment amounts, frequency, and investment management, with adjustments anytime. Learn more at https://lcalife.co.uk/ or contact our Business Development Managers.
Download information PDFContact information
If you would like to understand more about our products, or if you want to get in touch to discuss an existing policy, then please visit the LCA website here.
Alternatively, you can speak to one of our Business Development Managers or contact our Customer Services Team on:
0203 640 6843
London & Colonial Assurance PCC Plc
3rd Floor,
55 Line Wall Road
Gibraltar
GX11 1AA
Our UK opening hours are 8am to 4pm, Monday to Friday, excluding bank holidays.
