Guided
Annuity
Service
Welcome to HUB Financial Solutions
As a member of your pension scheme, you have access to our Guided Annuity Service. We can provide you with all you need to achieve the highest possible guaranteed income for life (annuity) using your pension fund, but we don’t make any recommendations for you. Instead, we provide all the help you need to make an informed decision for your own particular circumstances.
We’ve been supporting pension scheme members since 2006, and are trusted by some of the biggest organisations in the country to help their members when they’re ready to access their pension benefits.
Introducing annuities
You’ve built up a pension pot over many years to provide you with an income when you decide to take your benefits, and there are now a few important decisions to make to convert that pension pot into an income.
One of the ways to provide an income in retirement is to purchase an annuity. This is a product which pays a guaranteed income for the rest of your life in exchange for a lump sum payment, in this case your pension pot.
Qualifying for extra income
Medical conditions or lifestyle factors such as smoking, high blood pressure or diabetes, can increase the amount of income you receive. This is called an Enhanced Annuity. During 2025, over 75% of customers who purchased an annuity from HUB Financial Solutions qualified for an enhancement.
We may need you to complete medical questionnaires to ensure we get you the best income available. All scheme members are underwritten to ensure the highest level of income possible on the open market.
Have you talked to Pension Wise?
Pension Wise is a government-backed service from MoneyHelper that offers free and impartial guidance to people looking to understand their pension options. They can provide you with guidance on your options but they can’t give you any financial advice. They offer appointments with specialists to anyone aged 50 or over with a defined contribution (personal or workplace) pension. Their appointments typically last around 45 to 60 minutes and they will:
- explain your pension options,
- explain how each option is taxed,
- discuss other factors you’ll need to consider when deciding on your options, and
- tell you what your next steps are.
Helping you protect your money
Whether you’re considering an investment, pension opportunity, loan or other financial service, use the Financial Conduct Authority’s Firm Checker to confirm the firm is authorised and help avoid scams. You should also check the contact details match those listed on Firm Checker to avoid scammers pretending to be a real firm.
- Keep your money protected
- Understanding financial products
- Protect yourself from scams