Just Retirement
Just Retirement is the operating brand of Just Group plc, providing UK annuities, income drawdown, equity release, care funding, and Bulk Purchase Annuities to over 500 defined benefit pension schemes and individual retirees.
- Company typePublic
- Founded2004
- HeadquartersReigate, United Kingdom
- Headcount501–1,000
- GTM typeB2B and B2C
- OfferingServices
What Just Retirement does
Just Retirement is the operating retail and institutional retirement solutions brand of Just Group plc, a London Stock Exchange-listed UK financial services group headquartered in Reigate. The company provides a comprehensive suite of retirement financial products to UK consumers and institutions, including annuities, income drawdown, equity release, care funding plans, and pensions, alongside a Bulk Purchase Annuity (BPA) proposition targeting defined benefit pension schemes. Per the input, the BPA proposition has helped over 500 DB pension schemes secure outcomes for their members, making institutional de-risking a core pillar alongside the individual retirement book. The firm was founded in 2004 with backing from Langholm Capital and has grown materially via acquisitions, most notably the 2015 Partnership deal valued at approximately £1.04 billion and the 2018 acquisition of Corinthian Pension Consulting.
The business operates a multi-channel go-to-market model. Individual retail customers are served direct-to-consumer via the wearejust.co.uk website, supported by a suite of six retirement planning calculators and content marketing across social channels and Trustpilot. Institutional DB scheme clients are served via a dedicated enterprise sales motion and a separate Defined Benefits site. Distribution is further extended through wholly-owned subsidiaries Just Adviser and HUB Group, which provide intermediary and adviser-led channels. Revenue is generated primarily through insurance premiums, investment returns on annuity reserves, interest on equity release, and ongoing management fees on drawdown products. The technology stack is a web-based platform; no API, SDK, or disclosed AI/ML capabilities are present in the source material.
Customer concentration is moderate, with dual exposure to a long-tail retail book and a smaller number of large BPA contracts. Strategic direction is influenced by the active 2025 UK life insurance M&A landscape involving Brookfield, Apollo-Athora, Blackstone-L&G, and JAB, positioning the firm within an active strategic and financial sponsor universe for UK retirement liabilities.
Just Retirement firmographics
Firmographics- Name
- Just Retirement
- Legal name
- Just Group plc
- Website
- https://justretirement.com
- Company type
- Public
- Founded year
- 2004
- Operating status
- Operating
- Headcount range
- 501–1,000 employees
- Short description
- Just Retirement is the operating brand of Just Group plc, providing UK annuities, income drawdown, equity release, care funding, and Bulk Purchase Annuities to over 500 defined benefit pension schemes and individual retirees.
- Ownership category
- akta.pro rank
Just Retirement industry classification
Industry- Product category
- Retirement Financial Services
- NAICS
- Pension Funds (525110), Other Insurance Funds (525190)
- SIC
- Life Insurance (6311)
- akta.pro primary industry
- Annuity & Insurance-Based Retirement Solutions Advisory (FSAEABAH)
- akta.pro secondary industries
- Pensions & Retirement Benefits Administration (BPAIAKAA), Employer Retirement Plan Advisory (401(k)/Pension) (FSAEABAE)
Keywords
Where Just Retirement is headquartered
LocationHeadquarters
- HQ city
- Reigate
- HQ country
- United Kingdom
- HQ region
- Europe
Markets served
Just Retirement business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Annuity Products: Provides guaranteed income for life through annuity products, generating revenue from insurance premiums and investment returns on annuity reserves.
- Equity Release: Releases equity from property to provide retirement income, with revenue generated through interest rates and property valuation.
- Care Funding Plans: Financial products designed to help fund care costs in later life.
- Bulk Purchase Annuity (BPA): Institutional product helping defined benefit pension schemes transfer liability to Just, generating revenue from annuity premiums and investment management.
- Income Drawdown: Allows pension savers to draw income from their pension funds while remaining invested, with revenue generated through management fees.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Multi-year contract | Individual retirement financial products - quote-based pricing |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels5 records
Just Retirement product offering
Product offeringCore offering
Just Retirement provides retirement financial solutions in the UK, selling annuities, income drawdown, equity release, care funding plans, and pensions that deliver guaranteed or flexible income to individual retirees. It also offers Bulk Purchase Annuity (BPA) products that help defined benefit pension schemes transfer liability and secure member outcomes, supported by a suite of online retirement planning calculators.
Product overview
Just Retirement is a unified platform offering a comprehensive suite of retirement financial solutions. The core product portfolio includes annuities, income drawdown, equity release, care funding plans, and pensions, complemented by a Defined Benefit (Bulk Purchase Annuity) proposition for pension schemes. Supporting these products are six retirement planning calculators (Quick Income Builder, Indicative Lifetime Mortgage, Drawdown Risk, Pension Taxation, Retirement Budget Planner, and Longevity) that help customers understand the impact of their retirement choices. The offering integrates financial products with planning tools to deliver a complete retirement planning experience.
Differentiator
Problem solved
Functional benefit
Brands
- Just Adviser: Financial adviser services
- HUB Group
Products and services
- Annuities Annuities provide a secure and guaranteed income for life as a retirement financial solution for individual UK retirees seeking predictable income in later life.
- Income Drawdown A flexible retirement income product that allows individuals to draw down funds from their pension pot while keeping it invested, generating revenue through management fees.
- Equity Release A financial product enabling homeowners to release equity from their property while retaining ownership, generating revenue through interest rates and property valuation margins.
- Care Funding Plans Financial planning solutions that help individuals fund care costs in later life, addressing the cost of residential or ongoing care.
- Pensions Pension products that help individuals save and build retirement income, supporting long-term retirement planning.
- Defined Benefit Solutions (Bulk Purchase Annuity) Bulk Purchase Annuity solutions enabling defined benefit pension schemes to transfer liability and secure member outcomes, generating revenue from annuity premiums and investment management.
Quantifiable outcome
- Over 500 DB pension schemes have used Just's BPA proposition to secure outcomes for their members
Companies that use Just Retirement
Customer profileNamed customers2 records
Segments4 records
Ideal customer profiles2 records
Just Retirement technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature1 record
Just Retirement partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core and supporting.
- Just Group plccoreParent company and parent plc for Just Group plc, the listed company that owns the Just brand and retirement financial solutions business. The website operates under wearejust.co.uk and is part of the Just Group plc corporate structure.
- Just AdvisersupportingRelated group company providing adviser-focused services and products, part of the Just distribution ecosystem for financial advisers.
- HUB GroupsupportingRelated group company operating within the Just Group ecosystem, providing additional distribution channels for retirement products.
Scale indicators2 records
Recent moves6 records
Expansion highlights5 records
Just Retirement competitors and assessment
Company assessmentMarket position
Competitive moat5 records
Key highlights6 records
Customer concentration
Just Retirement social profiles
Digital presenceJust Retirement compliance and trust
Trust signalCompliance1 record
Just Retirement financial estimates
Financial estimateRevenue estimate
Valuation estimate
Just Retirement leadership team
Management profileNumber of profiles
Profiles2 records
Just Retirement subsidiaries and ownership
Company hierarchySubsidiaries2 records
Just Retirement funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Just Retirement M&A and investment
M&A and investmentM&A2 records
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Just Retirement
What does Just Retirement do?
Just Retirement provides retirement financial solutions in the UK, selling annuities, income drawdown, equity release, care funding plans, and pensions that deliver guaranteed or flexible income to individual retirees. It also offers Bulk Purchase Annuity (BPA) products that help defined benefit pension schemes transfer liability and secure member outcomes, supported by a suite of online retirement planning calculators.
Is Just Retirement a public or private company?
Just Retirement is a public company. It is classified as public and is currently operating.
When was Just Retirement founded?
Just Retirement was founded in 2004. It employs 501 to 1,000 people.
Where is Just Retirement based?
Just Retirement is headquartered in Reigate, United Kingdom, in the Europe region.
How does Just Retirement make money?
Five revenue lines are on record. Annuity Products are the primary driver. The others are equity Release, care Funding Plans, bulk Purchase Annuity (BPA) and income Drawdown.
Does Just Retirement have an API?
No public API is recorded for Just Retirement.
What industry is Just Retirement in?
Just Retirement's product category is Retirement Financial Services. Its primary akta.pro industry code is FSAEABAH, Annuity & Insurance-Based Retirement Solutions Advisory, with a secondary code of BPAIAKAA, Pensions & Retirement Benefits Administration. Its NAICS code is 525110 and its SIC code is 6311.