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 About ACH

The Annuity Clearing House (ACH) is designed to help Independent Financial Advisers (IFAs) and other industry professionals maximise their clients' retirement income.

Introducers can refer a client to ACH for us to do all of the work and pay an introducer fee. ACH will never contact a client for purposes other than the annuity purchase.

Whichever option the IFA chooses, ACH will never contact an IFA's client for purposes other than the annuity purchase.

ACH is ideally suited for providing fast, effective results with minimal effort. The minimum fund we will accept is just £1,000 (net of any pension commencement lump sum) with no upper limit.

Introducers will receive an introducer fee equal to 50% of the commission received by ACH on all cases referred and completed through ACH where the annuity purchase price if £15,000 or above. As ACH deals with all of the administration, these introducer fees are almost pure profit. Please note that an introducer fee is not payable where the annuity purchase price is less than £15,000.

The Annuity Clearing House offers quotations from the following providers:

Provider Conventional Enhanced / Impaired Investment Linked Fixed Term
Aviva ✔ ✔    
Canada Life ✔ ✔    
Hodge Lifetime ✔      
Just Retirement   ✔   ✔
Legal & General ✔ ✔ ✔  
LV=   ✔ ✔ ✔
MGM Advantage   ✔    
Partnership   ✔    
Prudential ✔ ✔ ✔  


ACH are unable to process Purchased Life Annuities.

ACH - Summary of benefits:
  • Authorised IFAs may be paid more than if they transacted the business themselves, with the added benefit of ACH doing all the work.
  • ACH takes on board all compliance for cases referred to ACH to deal with.
  • IFAs have the option of obtaining instant annuity quotes using ACH online or referring their client to ACH to obtain relevant information and provide quotes direct.
  • Quotes supplied will include conventional, enhanced, impaired and investment linked annuities.
  • Application forms are pre-populated, making the process quicker and easier.
Please note that all annuities processed through ACH are as an Immediate Vesting Personal Pension (IVP) with the Annuity Provider paying any tax free cash at a maximum of 25% of the pension fund. Cases can be processed as an Open Market Option (OMO) but will require manual intervention.

ACH work on a non-advised (direct offer) basis and make the assumption that all customers are UK resident and are subject to UK tax laws. If they are not , and if for example the tax consequences are not good for them, the Annuity Clearing House will not be responsible.
The Annuity Clearing House Limited (Reg. No. 6976076) is a technology based annuity fulfilment company. Administration is outsourced to Rockingham Independent Limited (Reg. No. 04684343), which is a wholly owned subsidiary of Rockingham Group PLC (Reg. No. 05838066).  

The Annuity Clearing House is an Appointed Representative of Rockingham Independent Limited which is Authorised and Regulated by the Financial Services Authority under FSA No. 427234 (Rockingham Independent Ltd) or FSA No. 503004 (The Annuity Clearing House). This website is intended for professional financial advisers and investment professionals only. The information has not been approved for use with retail customers. The information on this website is directed only at United Kingdom residents and complies with appropriate UK legislation and regulation. The ACH does not accept any liability for its use outside of UK jurisdiction.
Registered Office: 52 Forder Way, Hampton, Peterborough, PE7 8JB
Tel: 01832 770441         Fax: 0870 131 2379.         Email: enquiries@theach.co.uk       [v2.9.8]
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