How to choose.

Who can help me choose?

With so much information and so many options available, there’s a lot to consider. The good news is there are a number of ways to get help and guidance.

Before you start, it's vital to remember you can choose from the full range of retirement products and options offered by all providers. Depending on your circumstances, age, health and lifestyle, you may be able to get a better deal elsewhere.

Shop around and get as much guidance and advice as you need before you make any decisions on what is best for you.

When you've decided what you want to do, whether this is with ourselves or another provider, providers are required to ask a series of questions around your understanding of the choices you've made. This process is for your protection and has been designed to make you stop and reflect before making decisions which may be lasting and often irreversible. Based on the responses you give we can provide you with specific risk warnings to help you double check that you've thought about the decisions you've made.

Pension Wise
Your money. Your choice.


Free and impartial guidance is available from the Government if you’re planning to retire and have a defined contribution pension (a pension based on how much has been paid into your pension pot).

We strongly recommend that you take advantage of this service before you make your decision.

You can get help and guidance on the Pension Wise website, over the phone or face to face about the 6 steps you need to take to turn your pension pot into income for your retirement:

  1. Check the value of your pension pot
  2. Understand what you can do with your pension pot
  3. Plan how long your money needs to last
  4. Work out how much money you’ll have in retirement
  5. Watch out for tax
  6. Shop around for the best deal

It also explains, when shopping around, how to avoid pension scams and the importance of taking your time to make sure your money lasts as long as you do. Pension Wise won’t recommend any products or tell you what to do with your money.

How to contact Pension Wise:

Web: Pension Wise

Telephone: 030 0330 1001 to book a phone or face-to-face appointment. 

The phone line is open from 8am until 10pm Monday to Sunday. 

Financial advice

After you've had free guidance you can speak to a financial adviser who specialises in providing help and recommendations in all aspects of pension and retirement planning.

You may need to pay for the advice, but in return they'll provide you with a personal recommendation to help you make the right retirement choice.

You should make sure that they are authorised by the Financial Conduct Authority (FCA) and you can check this on the FCA register

Finding a financial adviser/planner

Institute of Financial Planning
Personal Finance Society
Vouched For

Other sources of useful information

You can also get information about pensions from:

The Pensions Advisory Service (TPAS)
Phone: 0300 123 1047

Money Advice Service (MAS)
Phone: 0300 500 5000

Age UK
Phone: 0800 169 6565

How to get a quote for Legal & General products

You can request a quote for any of our retirement products online or over the phone.

You can access these services from our products

Your next steps

What next?

Ready to find out more? Select one of the options below:

Leave it invested

Take an income

Take cash

Or move on to the next section

Our case studies which illustrate some of the options available and the important considerations to be aware of.

Contact us

0800 107 3481

Monday to Friday, 9am to 5pm

We may record and monitor calls.

Contact Us

Pension Guidance and Advice

We strongly recommend that you seek guidance from the Government’s free and impartial service Pension Wise.


Find out more about guidance or advice

Shop around

Remember, it’s important to shop around and get as much guidance and advice as you need before you make any decisions on what is best for you.

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We've done our best to avoid complex jargon but take a look at our jargon buster if you need more explanation on any terms we use.

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