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 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 for 18 years, and are trusted by many of the biggest organisations in the country to help their members when they’re ready to access their pension benefits.

Who are we?

HUB Financial Solutions is a subsidiary of Just Group plc and the largest annuity broker in the UK, helping over 22,000 members through our annuity services in 2020.

We work with many of the UK’s largest pension schemes, with our purpose being to help people achieve a better later life. We put our partners’ members at the heart of what we do and focus on providing the highest possible standards for you.



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 being a smoker, can increase the amount of income you receive. This is called an Enhanced Annuity. Over 75% of our customers who purchased an annuity last year qualified for this in some form.

We may need you to complete medical questionnaires to ensure we get you the best income available. All our scheme members are underwritten to ensure the highest level of income possible on the open market.

Pension Wise logo

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 their 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.
Scam smart image

Be scam smart.

Pension scams can be hard to spot.
Scammers can be convincing and financially knowledgeable, with credible-looking websites, testimonials and materials that are hard to distinguish from the real thing.





  • Get impartial advice
  • Reject unexpected offers
  • Check the FCA warning list



Contact us

If you wish to use our service and find out more about how we can help you, please contact us on 0345 863 0495 or email annuityadmin@hubfs.co.uk.