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Pension Annuity

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About your client

This online application form is for a Legal & General Pension Annuity.

* Required

You can only apply once you have received a guaranteed quote. You can’t apply with a verbal or indicative quote (an indicative quote has the reference ‘IND’ at the start).

Please provide below the guaranteed quote reference number(s) your client wishes to accept. We are unable to process your client's application without this information.

 

We cannot accept quotes with IND at start.
We cannot accept quotes with IND at start.
We cannot accept quotes with IND at start.

The annuity rate used in your client's quote is guaranteed for a limited period. For this rate to apply, we must receive the completed application and the money from your client's pension pots(s) before the date shown in the quote. If we receive the application or the money after this date, the rates available at the time will apply.

 

Where are the funds coming from to buy this annuity? Please tick one of the following options: * Please make sure you have the correct quote reference for the option you pick below.

We will not accept this application if:

  • It’s for anything other than a Pension Annuity.
  • If the funds are from a transfer of funds to the Legal & General Retirement Pension Scheme and are in drawdown (We can accept full and partial transfers from drawdown via the Open Market Option – please ensure your quote is on the correct basis).
  • The pension benefits being used to buy this product relate to a Defined Benefit/Final Salary, Guaranteed Minimum Pension or Guaranteed Annuity Rate transfer, valued at greater than £30,000 and your client has not received advice.
  • Your client is currently living overseas.
Before continuing *

Notes for you about this application

Your should ensure that your client reads and understands the Key Features PDF: 1667KB and the Terms and Conditions PDF: 998KB of this Pension Annuity before completing this application form on their behalf.

If the application takes longer than six months to complete, we’ll require a new declaration to be completed confirming the information previously provided is still valid. We will not complete the application until the new declaration is received.

Personal information

Your client's personal information provided in this application will be shared with fraud prevention agencies to prevent fraud and money-laundering and to verify your client's identity. If fraud is detected, they could be refused certain services, finance, or employment. Further details of how your client's information will be used by us and these fraud prevention agencies, and their data protection rights, can be found on legalandgeneral.com/cifas.

Your client could miss out on extra income that they're entitled to if they have a medical condition you do not tell us about. In some cases the amount could be significant. If they have a medical condition they haven’t already told us about please contact us before continuing with this application.

Proof of identity

Confirming your client's identity – to protect them and us from financial crime, we may need to confirm their identity from time to time. We may do this by using reference agencies to search sources of information about them (an identity search). This will not affect their credit rating. If this identity search fails, we may ask them for documents to confirm their identity.

We may need a copy of the deed poll if your client has changed their name by this means.

For taxation purposes please attached at the end

P45 for this tax year, if applicable (without this, a temporary tax code, which is confirmed by HM Revenue & Customs, will be applied to your client's payments until we receive confirmation of their correct code). The P45 will not be returned to them. If we make payments before receiving confirmation of their tax code, and later learn that they have paid too much tax, we will return the overpaid tax to them by adjusting the next instalment of their annuity.

What needs to be signed and dated

You will be signing this application form on behalf of your client. We will not require a wet signature.

Information you should note

  • You need to make sure any medical information you give us is both accurate and complete so that we can pay your client the level of income they're entitled to.
  • Once their income starts we may request additional medical information to ensure that they are receiving the correct annuity income. These requests may include one or more of the following: a report from their doctor, a short medical screening with a nurse or a simple saliva test (to confirm smoking status – if applicable). If this additional medical information differs significantly from that given to us previously, we may increase or decrease their payments in line with this, to ensure they are paid the correct amount.
  • For transfers into our Retirement Pension Scheme, the maximum tax-free cash sum is 25% of the value of the fund. The only exception to this is if your client is entitled to a higher tax-free cash sum by registering with HM Revenue & Customs for enhanced protection.
  • All transfers will be administered on the basis that they are not part of a block transfer. Please refer to Pensions Tax Manual for further information on block transfers.
  • We will not make a payment under this contract to anyone except to your client. In the event of their death, and depending on the options they have chosen, payment can only be made to their spouse or registered civil partner; named dependant; or a beneficiary. This is to receive any income or lump sum from any guaranteed minimum payment period or value protection; or their estate.
  • If they have chosen to pay an adviser charge from their lump sum or fund, we will pay this on to you when we set up their annuity. You must ensure that your client understands any charges and consents to the payment.
  • You must have a permanent National Insurance number for your client.
I've read and explained these notes to my client. My client has consented to me completing this application form on their behalf and confirmed the accuracy of the information provided by me in this application form. *

Your client's details

Gender *
Does your client wish to provide a pension to a spouse, registered civil partner or dependant on their death? *

About your client's spouse, registered civil partner or dependant

Only complete this section if your client has chosen an income for their dependant (shown as ‘Joint Life’ on the quote).

If your client also wishes for this person to receive any continuing payments from a guaranteed minimum payment period or value protection, please repeat their details in the 'Payment details' section next.

 

For example, husband, wife or partner.

Your client's doctor’s details

If your client's doctor is not UK based, please contact us before completing this form.

 

Your client's spouse, registered civil partner or dependant doctor’s details

If your client's spouse, registered civil partner or dependant doctor is not UK based, please contact us before completing this form.

 

Is their doctor's details the same as the client's? *

Declaration

Under the Access to Medical Reports Act 1988, we reserve the right to apply for a medical report from any doctor who has, at any time, attended your client or if provided your client's spouse, registered civil partner or dependant.

The declaration at the back of this application form gives us your client's consent to apply for such a report if needed.

Before obtaining a report from their doctor, we are obliged to inform them of their rights. These are detailed in the declaration, which you must bring to your client's attention.

Once their income starts we may request additional medical information to ensure that they are receiving the correct annuity income. These requests may include one or more of the following: a report from their doctor, a short medical screening with a nurse or a simple saliva test (to confirm smoking status – if applicable). If this additional medical information differs significantly from that given to us previously, we may increase or decrease their payments in line with this, to ensure they are paid the correct amount.

Payment details

Please give details of where your client's income and any tax-free cash is to be paid. Any tax due will normally be deducted before they receive each payment. All payments will be made to them in British Pounds Sterling. Any conversion to another currency will be at their expense.

* Required

Your client must be either the sole or joint account holder.
Has your client selected guaranteed minimum payment period or value protection? *

Beneficiary payment details

You can tell us below who your client wishes to nominate for any continuing payments from a guaranteed minimum payment period or a value protection lump sum. Your client's beneficiary will be chosen by us but we’ll always take into account any nomination they make.

Please make your client aware that they can change their nomination at any time by contacting us.

My client wishes for any payments due within the guaranteed minimum payment period or value protection following their death to be paid to:

Nomination one

 

Beneficiary payment details

You can tell us below who your client wishes to nominate for any continuing payments from a guaranteed minimum payment period or a value protection lump sum. Your client's beneficiary will be chosen by us but we’ll always take into account any nomination they make.

If this person is your client’s spouse, registered civil partner or dependant referenced above, please repeat their details below.

Please make your client aware that they can change their nomination at any time by contacting us.

My client wishes for any payments due within the guaranteed minimum payment period or value protection following their death to be paid to:

Nomination one

The total across all nominees must equal 100%.
For example wife, partner or father.
Would your client like to add another beneficiary? *

Nomination two

The total across all nominees must equal 100%.
For example wife, partner or father.
Would your client like to add another beneficiary? *

Nomination three

The total across all nominees must equal 100%.
For example wife, partner or father.

Your client's pensions

Please give details of each of your client's purchasing or transferring pension scheme(s) including any Legal & General schemes.

* Required

Scheme one

Is the existing plan subject to any existing or proposed trustee in bankruptcy orders, or earmarking or pension sharing orders, or other receiving orders? *
Are the funds already in drawdown? * When the funds are already in drawdown, we can only accept an Open Market Option transfer. Please make sure your quote reference is correct.
Is this a full or partial transfer? *
Does your client want to take a tax-free cash sum? *
Who will be paying this sum? *
Is the maximum tax-free cash required (normally 25% of the fund value)? *
Would your client like to add another scheme? *

Scheme two

Is the existing plan subject to any existing or proposed trustee in bankruptcy orders, or earmarking or pension sharing orders, or other receiving orders? *
Are the funds already in drawdown? * When the funds are already in drawdown, we can only accept an Open Market Option transfer. Please make sure your quote reference is correct.
Is this a full or partial transfer? *
Does your client want to take a tax-free cash sum? *
Who will be paying this sum? *
Is the maximum tax-free cash required (normally 25% of the fund value)? *
Would your client like to add another scheme? *

Scheme three

Is the existing plan subject to any existing or proposed trustee in bankruptcy orders, or earmarking or pension sharing orders, or other receiving orders? *
Are the funds already in drawdown? * When the funds are already in drawdown, we can only accept an Open Market Option transfer. Please make sure your quote reference is correct.
Is this a full or partial transfer? *
Does your client want to take a tax-free cash sum? *
Who will be paying this sum? *
Is the maximum tax-free cash required (normally 25% of the fund value)? *
Would your client like to add another scheme? *

Scheme four

Is the existing plan subject to any existing or proposed trustee in bankruptcy orders, or earmarking or pension sharing orders, or other receiving orders? *
Are the funds already in drawdown? * When the funds are already in drawdown, we can only accept an Open Market Option transfer. Please make sure your quote reference is correct.
Is this a full or partial transfer? *
Does your client want to take a tax-free cash sum? *
Who will be paying this sum? *
Is the maximum tax-free cash required (normally 25% of the fund value)? *
Would your client like to add another scheme? *

Scheme five

Is the existing plan subject to any existing or proposed trustee in bankruptcy orders, or earmarking or pension sharing orders, or other receiving orders? *
Are the funds already in drawdown? * When the funds are already in drawdown, we can only accept an Open Market Option transfer. Please make sure your quote reference is correct.
Is this a full or partial transfer? *
Does your client want to take a tax-free cash sum? *
Who will be paying this sum? *
Is the maximum tax-free cash required (normally 25% of the fund value)? *

Lump Sum Allowances

Understanding the rules around the Lump Sum Allowance and the Lump Sum and Death Benefit Allowance is important because if you provide incorrect or incomplete information on your client's behalf, they may become liable to a tax charge.

The Lump Sum Allowance covers:

  • any tax-free lump sums taken before 6 April 2024
  • any tax-free lump sums you have already taken since 6 April 2024
  • the tax-free part of any UFPLS taken since 6 April 2024
  • any tax-free cash that you are about to take.

The Lump Sum and Death Benefit Allowance covers the above items and also includes serious ill-health lump sums taken since 6 April 2024.

 

Is your client about to take a tax-free cash sum that takes them over the current standard Lump Sum Allowance of £268,275? *
Is your client about to take a tax-free cash sum that takes them over the current standard Lump Sum and Death Benefit Allowance of £1,073,100? *
Do they have any protection in place against the Lump Sum Allowance or Lump Sum and Death Benefit Allowance? * If your client doesn't have any protection in place. Please call us on 0345 071 0040. Monday to Friday 9am - 5pm.

As you've selected Yes to the above question.

You can attached a copy of your client's protection certificatein the 'Any documents to upload' section at the end of the application. We may require additional information from you at a later date.

Declaration

As an adviser, you're responsible for ensuring your client has been made aware, understands and agrees to the important information below before the application is completed. You must agree and provide consent on behalf of your client to continue with their application. Please remember that it is a serious offence to make false statements; the penalties are severe and could lead to prosecution.

* Required

To my client's current provider(s)

My client would like to take benefits from the plan(s) listed in this application.

My client authorises Legal & General, my current provider and any financial adviser/intermediary named in this application to obtain from each other, and release to each other, any information that may be required to enable the transfer of funds to Legal & General.

My client accepts that in order to comply with regulatory obligations, Legal & General and their current provider(s) named in this application may need to verify their identity and residential address, and may use credit reference agency searches and ask for their documents to verify their identity and address.

My client authorises and instructs you to transfer the funds from the plan(s) as listed in this application directly to Legal & General, and to provide any instruction and/or discharge required by any relevant third party to do so.

My client authorises you to obtain from and release to the financial adviser named in this application any additional information that may be required to enable the transfer of funds.

My client agrees that until this application is accepted and complete, Legal & General’s responsibility is limited to the return of the total payment(s) to their current provider(s).

When payment is made to Legal & General as instructed, this means that they shall no longer be entitled to receive pension benefits from the whole of the plan(s) listed in this application where the whole of the plan(s) is transferring, or that part of the plan(s) represented by the payment(s) if only part of the plan(s) is transferring.

My client confirms that they have not received financial advice from Legal & General about purchasing my Pension Annuity.

Only for applications relating to Open Market Options purchase

My client authorises and instructs you to pay them any tax-free cash sum as indicated, to pay the balance of their pension pot(s) to Legal & General to provide them with an annuity based on the features set out in the accepted quote(s) referenced on the first page of this application, and to provide any instructions and/or discharge required by any relevant third party to do so.

Only for applications relating to transfers into the Legal & General Retirement Pension Scheme for immediate vesting

My client requests you to transfer the fund(s) listed in this application to Legal & General.

Where you have asked my client to give you the original policy document(s) in return for the transfer of funds and they have been unable to do so. My client promises that they will be responsible for any losses and/or expenses which are the result, and which a reasonable person would consider to be the probable result, of any untrue, misleading or inaccurate information deliberately or carelessly given by them, or on their behalf, either in this form or with respect to benefits from the plan.

To my client's current provider(s) and Legal & General

My client confirms that any adviser charge paid on their behalf by their current provider or by Legal & General on the initial set-up of this annuity:

  • is wholly connected to the purchase of this annuity; and
  • is appropriate to the advice and service my adviser provided me in relation to this annuity purchase.

If this is not the case then some or all of the adviser charge and any tax-free cash may become liable to a tax charge, which my client may be responsible for.

My client confirms that they or their adviser on their behalf have provided only true and accurate information in applying for this transfer. They understand that their current provider and Legal & General cannot accept responsibility, and are not liable, for any losses resulting from untrue, incorrect or misleading information that they provided, or that their adviser provided on their behalf, or from any failure on their part to comply with any aspect of this application.

My client confirms that where they have chosen to take tax-free cash, it is not their intention to make, either directly, indirectly or by someone making contributions on their behalf, a significant* increase in their total expected contributions to registered pension schemes.

*A significant increase is where:

The total tax-free cash they receive in the 12-month period ending on the day the tax-free cash from this plan is paid exceeds £7,500, and more than 30% of the total tax-free cash is used to make contributions to one or more registered pension schemes which exceed the expected level of contributions. This includes any contributions paid directly or indirectly, paid by someone on their behalf such as their employer, or which they may have paid in anticipation of receiving the tax-free cash.

This is known as `recycling’. Please see section PTM133800 of HM Revenue & Customs’ Pension Tax Manual online for more information.

To Legal & General

Only for applications relating to transfers into the Legal & General Retirement Pension Scheme for immediate vesting

The scheme administrator on behalf of the provider agrees to administer the scheme in accordance with the scheme rules.

My client authorises Legal & General to accept the transfer value and agrees that on receipt of the transfer value, Legal & General will apply this sum to a Personal Pension Plan.

For all applicants

My client confirms that to the best of their knowledge the answers provided on their behalf are full and accurate. They agree that their chosen quote and the information contained in this application, plus any medical information provided separately, will be used to determine the benefits to be paid and if any of the information is found to be incorrect their benefits may be adjusted accordingly.

No benefits under this policy are capable of assignment, surrender or commutation except as provided in the relevant legislation and subject to the agreement of Legal & General Assurance Society Limited.

My client has read guidance from the Financial Conduct Authority or the Pensions Regulator on the risks and warning signs of pension scams before making this application.

If your client was contracted out under their current plan, then they agree to Legal & General calculating the part of the transfer payment to be treated as relating to contracted-out benefits, if this information is not provided.

If the total gross contribution(s) paid into any Registered Pension Scheme(s) exceed their Annual Allowance, they will inform HM Revenue & Customs. Your client agrees that where a tax charge does arise, any of the funds used to purchase this annuity will not be available to pay that charge.

Cancellation rights

Your client has 30 days from the date they receive our confirmation that their policy has started to change their mind. Please refer to the Key Features document for further information.

Marketing consent

Here at Legal & General we take privacy seriously; this is why we never share our customers' personal details with anyone else for their own marketing purposes. However, from time to time we would like to contact your client with news, useful information and exclusive offers on our products and services.

 

If your client would like to be kept up-to-date, please let us know how they would like to hear from us:

If now or at any time in the future your client wishes to withdraw their consent (including any consent that you may have previously given on their behalf). They may contact us as directed in our privacy policy.

*for example; via our own systems such as My Account, social media platforms and third-party websites such as YouTube.

Data protection

Protecting your client's personal information is extremely important to us. Please make sure your client has read our privacy notice, which you can find online.

If they are unable to access our privacy notice online, or if they would prefer a paper copy, please contact us.

By signing this application form on behalf of your client they agree to the use of their personal information as set out in the privacy notice.

Adviser charge

If your client has asked Legal & General to arrange payment of an adviser charge, details of this charge will be shown in the ‘How much does the advice cost?’ section of their quote. By agreeing this application, your client instructs Legal & General to:

  • deduct that adviser charge in accordance with their quote; and
  • pay it to their financial adviser’s firm as shown in the ‘Financial Adviser/Intermediary‘ section of this application.

Once the annuity has been set up and the cancellation period has passed, they cannot change or cancel the adviser charge. For more information on adviser charges, please read the section ‘Will you pay anything to my financial adviser or intermediary?’ in the Key Features.

Sensitive data

Please read the following to your client.

Legal & General will use the medical and health information provided in this form and any other medical information provided in the course of this application solely for the purposes of allowing us to underwrite and administer your policy. Your medical information (and other information collected via this application) may be disclosed to our reassurer and any other insurance company to whom you apply for products and services.

Under the Access to Medical Reports Act 1988, you have the following rights:

  1. You have the right to withhold your consent for a medical report to be sent to Legal & General, although if you withhold this consent then Legal & General will be unable to accept the application.
  2. If you give your consent to the report, you have the right to see the report before the report is sent to Legal & General. You will have 21 days to contact the doctor to arrange to see the report and the doctor must obtain your further consent before the report is sent on to Legal & General. If you do not arrange to see the report within 21 days, it will be sent to Legal & General. you have the right to see the report at any time within six months of it being sent to Legal & General.
  3. You have the right to request amendments to be made to the report. If the doctor refuses to make the amendments, you have the right to request that the doctor attaches a statement containing your views on the report.
  4. The doctor does not have to let you see any part of a report that he/she considers would be likely to cause serious harm to your physical or mental health or to that of others or would indicate the doctor's intentions towards you. The doctor also does not have to let you see any part of a report which may disclose the identity of another person who has supplied information about you, unless that person has consented or is a health professional caring for you. If the doctor does not let you see any part of a report, he/she must notify you of that fact.

By completing this application on behalf of my client, I confirm that they have been advised of their rights under the Access to Medical Reports Act 1988 and consents to Legal & General seeking medical information concerning their physical or mental health from any doctor who has attended to them at any time and to the release of this information to Legal & General.

We will email your client confirming that you've provided medical consent on their behalf.

Please accept *
My client *
My client's spouse, registered civil partner or dependant *

Declaration signatures

We recommend that your client reads the Key Features document and Terms and Conditions before they apply.

 

Member/applicant *
Spouse, registered civil partner or dependant *

About you

We finally need information about you in your capacity as an adviser.

* Required

Basis of advice declaration

To meet the Financial Conduct Authority (FCA) regulatory reporting requirements, Legal & General must record whether advice was given to your client regarding the sale of this product

Adviser declaration

The applicant is applying on their own behalf and not as a nominee, trustee or in a fiduciary capacity for any other person. I can confirm that any transfer is from a UK Registered Pension Scheme. Please process any transfer under the following details:

 

Please email agency.admin@landg.com or call 03709 005 010 if you don't know your Legal & General agency number.

DB to DC Transfers

Does this application relate to a Defined Benefit/Final Salary or GMP transfer into the Legal & General Retirement Pension Scheme for Immediate Vesting? *
Is the value of the gross transfer value greater than £30,000? * For Defined Benefit/Final Salary or GMP transfers valued at greater than £30,000, it is a regulatory requirement for full advice or a personal recommendation to be given by a financial adviser with the required permissions.
Was the advice for the customer to proceed with the transfer? * We will only accept the transfer if the advice/recommendation was for it to proceed.

Your details

Declaration

As the agent who is submitting this application, if the product is a transfer to Legal & General Retirement Pension Scheme, I hereby instruct Legal & General to record this pension transfer under my firm’s agency details as stated above. *

Important information

As the financial adviser/intermediary it is your responsibility to forward the quote, Key Features and Terms and Conditions to your client. You must also provide your client with the appropriate risk warnings in accordance with FCA COBS 19.7.

Please make sure you contact the originating scheme to notify them that the fund is going to buy an annuity with us. This also applies if the fund to buy the annuity originates from a Legal & General plan. You will need to contact the appropriate claims area.

 

I've confirmed that I agree to the important information above. *
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