The One from Winterthur

What is The One from Winterthur?

The One from Winterthur is a complete pension, offering your clients investment choice and a range of options that aim to meet their needs during their working life and throughout retirement. It offers the benefits of a personal pension, combined with the choice of opting to invest in a wide range of assets.

Product details

A single product, with a simple charging structure, that includes a range of income withdrawal options and self-investment of protected rights.
Disinvestment strategy option reduces administration and enables timely payment of income, charges and remuneration.
Time-saving automated portfolio rebalancing for Winterthur Pension Funds.

Investment options

Through The One from Winterthur you and your clients have access to a broad range of permitted investments. You are not locked into your fund choices and can switch at any time, as and when your clients' needs or investment objectives change.

As well as being able to invest in Winterthur Pension Funds through the AXA Family Fund Range and the Tailored Selection, your client can access a wider range of investments through the Self-invested option. The assets they can invest in include stocks and shares, commercial property, collective investments and deposit accounts.

Retirement options

Through The One from Winterthur, your client has a range of retirement options.

As an alternative to taking an annuity, your client can take an income through full, phased and partial income withdrawal (Winterthur do not offer an alternatively secured pension option for protected rights).

And under our income withdrawal options, your client can have their maximum income recalculated annually, rather than every five years. They may wish to do this to maximise their income if the markets have risen.

Remuneration options

The One from Winterthur offers two ways of getting paid for the advice you provide, Flexible Adviser Remuneration (FAR) and Initial commission. The two options offer transparency and flexibility for you and your client.

Flexible Adviser Remuneration – where payment is taken directly from your clients policy value.
Initial commission – where payment is funded by Winterthur and recovered from your client’s policy over a period of time.

Pension tools and services

Our online tools can help you save time. You can use them to research investments, chart performance and recreate client portfolios.

To access the tools and learn more about them, please log in to the Winterthur Adviser Extranet.

Pensions Options Planner - to find your clients’ most suitable retirement option
Access Client Management - this requires two factor authentication. Gain access to valuation, fund switching and other servicing tools
Use the GAD calculator - to work out your clients’ maximum annual income limits
My Winterthur - our new online service where your clients can benefit from access to their own policies too.

Online illustration - 24 hour access to The One from Winterthur pre sale illustrations.

You can produce the following illustration and also save them to amend at a later date:

Fully insured and self-invested plans.
Single or regular contributions, transfers and contracting out – and you can combine any of these in the same illustration.

Why Winterthur?

Service/Company of the Year and market leader in income withdrawal.
Supported by Winterthur’s award-winning in-house support services at Basingstoke - so you can be confident of receiving first-class administration, support and technical advice.
Part of The AXA Group which is one of the world’s top 100 companies on the 2009 Fortune Global 500 list, which is based on annual revenue.
A comprehensive range of pension related online tools and calculators, and
An extensive fund range

Contact us

If you need more information about The One from Winterthur, to obtain any of our literature items or if you have any factual or administrative questions, please either ask your Business Development Manager or call us on 0845 129 9993.

Printable version