The state retirement & pension age


A representative from Responsible Equity Release was present at the European Commission’s debate on Active Ageing, held at Europe House in London. Discussed were the opportunities and problems that arise from the scientific wonders in the field of longevity. Credit Suisse head of demographics suggested we all embrace increasing longevity by adapting the workplace to fit an older workforce. Such innovation was found present in John Deere, the tractor and machinery manufacturer.

Small changes involving less low ground work has revolutionised their business – to the point where they can keep all their experienced and wiser workforce active in the workplace for longer. This can only be a good thing. The longevity issue does raise some points financially, as the money allocated to retirement does have to go further. This is where equity release plan come in as they can turn your property into an income stream. It shouldn’t affect state benefits or pension credit either, as long as it is done correctly.

Responsible Equity Release is a trading style of Responsible Life Limited. Responsible Life Limited is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register ( under reference 610205. Only if you choose to proceed and your case completes will Responsible Life Limited charge an advice fee, currently not exceeding £1,490. A lifetime mortgage may affect the value of your estate and your entitlement to means-tested state benefits. Our adviser will talk you through this and the setting up costs before you make any decision to proceed.

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