• I want to make the most of my existing plan now and at retirement

  • Other pension products - The Personal Pension, The Executive Pension, The Section 32 and Trustee Investment Plan

    We want you to continue to enjoy and benefit from your existing plan. So, here's a reminder of what your plan has to offer, as well as the retirement income options available to you.

  • Woman-greenhouse

    Investment and retirement flexibility

    All of these products are open to new investments from existing plan holders only - with built in flexibility to adapt to your changing needs. So you can:  

    • Increase, top up any regular contributions or transfer in from other plans.
    • Change your investment choice as your needs change.
    • Provide yourself with an income - through a choice of flexible retirement income options.

  • Take a look at what options your plan has to offer at retirement

    A personal pension that offers a wide investment choice and complete flexibility with retirement income. 

    Investment options Retirement options
    Keep all your money invested Take tax free cash Take a taxable regular income Take lump sums when needed Capped drawdown Take all your money in one go
    Pension funds Yes Yes, as a lump sum or regular income Yes Yes

    Yes:

    Available only to clients already using this option

    Yes

    If you’re looking to get a guaranteed income for life, an annuity can be arranged through us or another provider.

    Remember to ‘shop around’ if you want to access your money. Other products could be more appropriate for you and your circumstances and you could get a higher retirement income from another provider. The Money Advice Service  offer a range of guides and tools to help you decide upon the best option for you, including a comparison tool and also a useful ‘Your money – it’s time to choose’ guide to retirement options.

    An occupational pension scheme for employers wishing to reward their employees with a pension plan offering a wide range of investment funds.

    Investment options Retirement options
    Keep all your money invested Take tax free cash Take a taxable regular income Take lump sums when needed Capped drawdown Take all your money in one go
    Pension funds Yes Yes Yes No No Yes

    If you're looking to get a guaranteed income for life, an annuity can be arrange through us or another provider.

    Remember to ‘shop around’ if you want to access your money. Other products could be more appropriate for you and your circumstances and you could get a higher retirement income from another provider. The Money Advice Service  offer a range of guides and tools to help you decide upon the best option for you, including a comparison tool and also a useful ‘Your money – it’s time to choose’ guide to retirement options.

    A pension plan for individuals wishing to transfer out of an occupational scheme but retain any enhanced tax-free cash entitlement. Offers a wide range of pension investment funds.

    Investment options Retirement options
    Keep all your money invested Take tax free cash Take a taxable regular income Take lump sums when needed Capped drawdown Take all your money in one go
    Pension funds Yes Yes Yes No No Yes

    If you're looking to get a guaranteed income for life, an annuity can be arranged through us or another provider.

    Remember to ‘shop around’ if you want to access your money. Other products could be more appropriate for you and your circumstances and you could get a higher retirement income from another provider. The Money Advice Service  offer a range of guides and tools to help you decide upon the best option for you, including a comparison tool and also a useful ‘Your money – it’s time to choose’ guide to retirement options.

    An investment plan for trustees of occupational or self-invested pension schemes, with no ongoing plan charges for existing clients.

    Investment options

    Choose from a range of pension funds investing in Money Market, Fixed Interest, Property and Shares. And depending on your preference, you can opt for ready-made portfolios or pick your own funds.

    Withdrawal options

    Both single and regular withdrawals can be made, and the plan can be cashed-in at any time.

  • Helping you make the most of your existing plan

    Manage your account online

    You can login anytime to see how your pension is performing, and you can change your fund choices for free*.

    *Switching is free at the moment, but we may introduce charges in the future.

    Registering is quick and easy

    If you haven't already registered for online services, why not sign up today?

    You'll need your policy number to register.

    Want to top up your existing plan?

    If you'd like to top up your existing plan, speak to your financial adviser in the first instance.

    Or, if you need a financial adviser, you can use unbiased.co.uk to find one local to you.

    View supporting literature

    See how you can take benefits through our Pension Benefit Guide.

    You can also access other useful guides and forms.

  • Please bear in mind

    • The value of your investments can go down as well as up, and you could get back less than you paid in.
    • You can't normally take your benefits before age 55.
    • A stakeholder pension might suit you just as well.
    • Tax benefits can change, and will depend on your circumstances.

    Your adviser will be able to tell you more about these considerations.