Just Retirement

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.

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

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

• Retirement annuities
• Equity release
• Income drawdown
• Defined benefit pensions
• Care funding plans

Headquarters

HQ city

Reigate

HQ country

United Kingdom

HQ region

Europe

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Annuity Products: Provides guaranteed income for life through annuity products, generating revenue from insurance premiums and investment returns on annuity reserves.
2. Equity Release: Releases equity from property to provide retirement income, with revenue generated through interest rates and property valuation.
3. Care Funding Plans: Financial products designed to help fund care costs in later life.
4. Bulk Purchase Annuity (BPA): Institutional product helping defined benefit pension schemes transfer liability to Just, generating revenue from annuity premiums and investment management.
5. Income Drawdown: Allows pension savers to draw income from their pension funds while remaining invested, with revenue generated through management fees.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core 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

Named customers2 records

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Three partnerships are on record, tiered core and supporting.

• Just Group plccoreOthersParent 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 AdvisersupportingChannel Partner/ Reseller/ DistributorRelated group company providing adviser-focused services and products, part of the Just distribution ecosystem for financial advisers.
• HUB GroupsupportingChannel Partner/ Reseller/ DistributorRelated group company operating within the Just Group ecosystem, providing additional distribution channels for retirement products.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Market position

Competitive moat5 records

Key highlights6 records

Customer concentration

• Xx.com/justretirement
• Facebookfacebook.com/justretirementbringingyourretirementjourneytolife
• LinkedInlinkedin.com/company/75456

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries2 records

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A2 records

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Just Retirement