We offer products to help you meet your client's needs when planning for and throughout their retirement.

Retirement savings

Portfolio Plus Pension

Our flexible personal pension offers a wide range of insured funds, the ability to self-invest and a wide range of retirement choices including Flexi-Access Drawdown.

Stakeholder Pension

A simple and straightforward product for mass market clients offering a wide range of investment funds. Our Stakeholder Pension Plan is only available to clients on a direct offer basis.

Past pension products

If your client holds an old product that we no longer sell, you can find more information and literature here. To help you and your client to top up, transfer in, or choose new funds.

Retirement income

Our retirement income products include lifetime annuities that reflect health and lifestyle conditions, and fixed term products. The fixed term products are designed to generate an income for your client, to guarantee a maturity value at the end of a defined period, or both.

Pension Annuity

Allows your clients to plan their future knowing what their income will be each year, confident that payments won't fall, with the choice of a fixed or increasing income.

Fixed Term Retirement Plan

A contract that allows your clients to receive regular income payments over a term of between 3 and 40 years, with a fixed maturity payment at the end of the term.

Cash-Out Retirement Plan

The Cash-Out Retirement Plan is a fixed term contract that allows your clients to receive regular income payments over a term of between 3 and 40 years.

Retirement lending

Lifetime Mortgages

Our Lifetime Mortgages allow your clients to unlock some equity from their home without moving. Your clients can choose to take the maximum available in one go, or in smaller amounts when they need, up to a maximum agreed. Releasing more from the full loan amount later, may cost more or less depending on the interest rate at the time.


This website is designed to give professional financial advisers information and tools that they can use to help control and develop their business and should not be relied upon by private investors or any other persons.