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3. Enhanced transfer form
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Enhanced transfer form

We need additional information about your request to transfer.  

We have a regulatory responsibility to do extra checks in some cases to be as sure as we can that the transfer you’ve requested will not put your retirement savings at risk.

Please answer all questions honestly, accurately and in as much detail as you can.

This form should only be completed by the pension account holder when asked to do so by L&G when the transfer is already in progress.

Make sure you don’t include any of the following characters as this could prevent the form working as it should – 

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Enhanced transfer

Step 1 of 6

Before you start completing this form, please read the following.

You’ll need the following information to hand –

  • Details of the investment funds your pension savings are moving into, including the full funds names, ISIN references and whether they are UK or overseas investments
  • Details of any charges or fees being applied by anyone facilitating the transfer or the new arrangement
  • Details of anyone arranging this transfer for you

We know this may feel like a delay to completing the transfer. But we have a regulatory duty (Occupational and Personal Pension Schemes (Conditions for Transfers) Regulations 2021) to do these extra checks. 

When you submit this form we’ll review your answers as quickly as we can to check we have everything we need. We may be in touch for additional information before we are able to complete our checks.

Once we have everything we need, we’ll review the information you’ve provided and be in touch about the next steps.

Thank you for your patience while we complete these important checks.

Your details

If you need to go back and change any answers as you go through the form, please re-open the link we sent you from your email and start again. This will help avoid any issues with logic used by the form to ask additional questions based on your answers.

Are you the member who is transferring their pension? this field is required
Do you have Power of Attorney for the Pension Account holder? this field is requiredThis form can only be completed by the Pension Account holder. You will need to send us a copy of the Power of Attorney if you haven't already and include your name and our member's name in the box below.

This form can only be completed by the Pension Account holder. You will need to send us a copy of the Power of Attorney if you haven't already and include your name and our member's name in the box below.

We can only communicate with email addresses already verified on your account. You can check the email address we hold for you in your online account or the L&G app, where you can also update your email address if needed.

Reasons for transfer

Were you approached by somebody recommending that you transfer your pension? this field is required
How were you approached? this field is required
Who approached you? this field is required
Were you expecting the contact? this field is required
Did you have an existing relationship with the person who contacted you? this field is required
Did you receive financial advice from this representative? this field is required
Is the representative based overseas? this field is requiredIf you and your representative are based outside of the UK, the usual FCA and FSCS protections don't apply to the advice you've received. We recommend you verify the regulatory status of your representative with the relevant authority in your country of residence and ensure you understand the protections that may apply to you. You can find more about the UK’s financial services compensation scheme here - https://www.fscs.org.uk/
You should find their FCA number on documentation they send you or their business card. Check with them before you answer this question. If your representative does not have an FCA registration number, please enter 'None'.
Is the adviser based overseas? this field is required
If you do not know who your adviser is registered with you should check with them before answering this question.
You should find your adviser’s FCA number on documentation they send you or their business card. Check with them before you answer this question. If your adviser does not have an FCA registration number, please enter 'None'.
For example, are they providing advice, arranging the transfer, helping with pension consolidation to their arrangement
You can enter either a percentage value or an amount in £. Please show the breakdown between initial and ongoing amounts if they apply.
What do these fees cover? this field is required
Have you taken advice from a financial adviser following the contact from this representative? this field is required
Is the adviser based overseas? this field is requiredIf you and your representative are based outside of the UK, the usual FCA and FSCS protections don't apply to the advice you've received. We recommend you verify the regulatory status of your representative with the relevant authority in your country of residence and ensure you understand the protections that may apply to you. You can find more about the UK’s financial services compensation scheme here - https://www.fscs.org.uk/
If you do not know who your adviser is registered with you should check with them before answering this question.
You should find your adviser’s FCA number on documentation they send you or their business card. Check with them before you answer this question. If your adviser does not have an FCA registration number, please enter 'None'.
Enter either a percentage value or an amount in £. Make sure you include a breakdown between initial and ongoing charges, if they apply.
What do the fees and charges cover? this field is requiredSelect all that apply

Advice approach

Have you been promised or offered any of the following? this field is required
Include who has made the offer and as much detail as you can about the offer.
Were there any time constraints/restrictions put on you to follow through on this transfer request? this field is required
Were any of the following approaches used by your adviser or new provider? this field is required

Your new investments

Are you aware of how your money will be invested? this field is requiredKnowing where your funds will be invested is necessary in our regulatory checks. We can’t proceed with the transfer without this information. Your new provider or financial adviser can provide you with this information if you don’t have it.
Include the full fund or investment names and their ISIN reference where applicable. An ISIN number is usually 12 characters long, beginning with a 2 letter country code. For example, GB00A1B1AB12. If you have a screenshot or documentation with all the investments listed there is a box below to upload them to if it's easier for you.
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Will your pension be invested in UK registered and FCA regulated investment funds? this field is required
Will any of your pension be invested overseas? this field is required
Have you been promised a specific rate of return? this field is required
Have you been provided with any written information about the investments, rate of return or what the fee structure will be? this field is required
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Are any of your proposed investments subject to an exit penalty to access them? this field is required

Charges

If you need to go back and change any answers as you go through the form, please reset it and start again. This will help avoid any issues with logic used by the form to ask additional questions based on your answers.

To continue with your transfer, we need your investment information. Without it, the form can’t be submitted. Your new provider or financial advisor can provide you with this information if you don’t have it.

Are you fully aware of the costs and charges for your new arrangement? this field is requiredThere can be many types of charges that apply to financial services products. You should have been made aware of these by the new provider or scheme and have documentation that makes them clear.

You need to know the details of any fees and charges associated with the new scheme to complete this section of the form. Please check your documents and then complete the questions below. We can’t proceed with our checks without this information and the transfer can’t progress until we have it. Your new provider or financial adviser, if you have one, will be able to help you find this information.

Are there fees to join the investment? this field is required
This can be a fixed fee or a percentage of the total sum invested.
Are there any other charges that can apply to your savings? this field is required

Declaration

 

Please confirm that you've completed the form and that the answers are true to the best of your knowledge. Please note that if you cannot confirm where your money will be invested you will be unable to submit the form. this field is required