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Transfer Out Request Form

This form is for completion by Workplace Pension members who wish to move their L&G pension to another provider

Thinking of transferring your pension?

So that we can process your transfer as efficiently as possible, make sure you complete all the fields in this form accurately.

Make sure you don’t use the following characters in your responses. They’ll stop the form getting through to us correctly:

{ } [ ] – ‘ / | \ ^ < >

If you need any help as you progress through the form, take a look here

Workplace Pension Transfer

Step 1 of 9

Before you begin

To transfer your Workplace pension to a new provider, known as the receiving scheme, it’s worth checking through the following before you start completing this form.

This form is for the following transfer types:

A transfer from a Workplace pension (with a ten-digit policy number, beginning with a 2)
A transfer from an L&G Flexi Access Drawdown plan (has a 10 digit account number, beginning with S) to a Flexi Access Drawdown plan with another provider
Transferring to a different pension provider that does not use the Origo Transfer Service
Transfers to UK pension schemes only. If you want to transfer to an overseas pension please call 0345 070 8686

Please note: if you want to transfer one L&G pension into another L&G pension you should call our Transfer In team on 0345 070 8686

Things to check before you start the form:

Does your pension provider use the Origo Transfer Service? (if they do, the process is quicker than using this form)
Are you still paying into to the pension(s) you want to transfer? (if so, please check with your scheme administrator before completing this form)
Do the rules of your workplace pension scheme allow you to transfer?
Does your L&G Workplace pension have any protections that could be at risk when you transfer?
- Protected Tax Free Cash
- A Protected Retirement Age below 55
- Protection against the Normal Minimum Pension Age to 57 in April 2028
Your email address and phone number are up to date in your L&G online pension account so that we can keep you updated, or reach out for further information if we need it

What you’ll need to complete the form:

We suggest you have your online account open as you move through the form for easy access to details from your L&G pension. You can access it through our App or here
Details of the scheme you are transferring to:
- Your new pension account number
- Their postal address and email address
Details of your Financial Adviser, if you have one helping you move your pension
- Name
- Contact details
- FCA reference number (your adviser can provide this to you)

Ready to proceed?

Have you checked whether your receiving scheme uses Origo Transfer Service?

I have confirmed they cannot use Origo and wish to proceed with completing this form

Your details

Your L&G Pension Account(s)

Workplace pension account numbers usually:

start with a '2',
end in '01', and is
ten digits long (i.e. 2.......01).

If it's in drawdown already it'll start with an S and 9 digits (e.g. S123456789).

Your L&G pension account number

Please confirm the employer who set your L&G pension scheme up for you

You can find this on the annual pension benefit statements, and your online account.

Do you have any other L&G pensions you want to transfer along with this one?

Pension account number

Pension scheme name

This is the name of your Employer who set this L&G pension up for you

Pension account number

Pension scheme name

Do you have any more L&G pension accounts you want to transfer?

Please enter each pension account number and employer's name you wish to include in this transfer, separated by a semi colon ;

e.g. 2001001001 Employer Name; 2002002001 Employer Name;

Remember to check the pension rules and other considerations for each pension you hold, as the benefits and rules can vary between product and/or scheme.

Your Contributions

Are you still contributing to the pension(s) mentioned above?

Please do not continue completing this form.

Check with your pension scheme's administrator about your intention to transfer before completing this form.

Your Information

Your Full Name

Date of Birth

National Insurance Number

Please leave out spaces in your NI number (i.e. AB123456C rather than AB 12 34...)

Your Contact Details

Email and contact numbers provided here should match the ones we have for you in your online account.

Check them online if you’re unsure.

We can’t communicate with an unrecognised email account; this is to protect your information.

Email Address

Please take care to enter your email address correctly

Please check your email address is correct before moving on.

We'll use it to send important updates and next steps. An incorrect email could delay your transfer.

Contact Number

Include area dialling code, and country code if overseas

About your transfer(s)

Your Transfer Details

Are you transferring your pension in full or partially transferring?

Please tell us the pounds and pence amount you wish to transfer

You can include £, comma (,) and .00p where needed

You’ve included more than one pension account number, do you want to transfer the full amount of all your L&G pension accounts?

Partial Pension Transfers

Most pension schemes allow pension transfers, but some require specific approval to go ahead.

If your pension scheme allow partial transfers, you must transfer a minimum of £2,000 and leave at least £100 in your L&G pension account to keep it open.

Tell us below, in as much detail as possible, how much you'd like us to transfer and from which pension account

About your Receiving Scheme

Receiving Scheme Details

What is a receiving scheme?

This is the pension scheme that we’ll send your pension fund to.

L&G have a duty to carry out checks on the receiving scheme to reduce the chance of your pension savings being at risk, so we’ll need information from them too.

Some schemes will need additional checks. We’ll let you know if that’s the case and aim to do them as quickly as possible.

Account Reference (if known)

This is your pension account number with the receiving scheme.

Who are you transferring your pension to?

Their contact address

Their email address

Do you know the Pension Scheme Tax Reference (PSTR) number for your receiving scheme pension?

This is a unique reference number given to registered pension schemes by HMRC. It helps confirm the scheme is officially recognised for tax purposes.

Provider’s HMRC Pension Scheme Tax Reference (PSTR)

Pension Guidance

Are you aged 50 or over?

Free pension guidance from Pension Wise

Pension Wise is a free and impartial government service, provided by MoneyHelper for over 50's.

This service can help you understand what you can do with your pension savings.

They offer telephone, webchat or face-to-face appointments with highly trained professionals.

In your appointment you’ll get:

guidance on how to make the best use of your money (they won’t give a recommendation)
information about tax when taking money from your pension
tips on getting the best option for you, including how to compare products, get financial advice and avoid scams

Have you already had guidance from Pension Wise?

Please remember, if your circumstances or the value of the pension have changed significantly since you received guidance, you may benefit from receiving the guidance again.

Do you wish to speak to Pension Wise?

You can call Pension Wise free on 0800 011 3797 and they'll book an appointment at a convenient time for you.

Alternatively, L&G can book an appointment for you.

Do you want L&G to book you an appointment with Pension Wise?

Please note

We can not proceed with the transfer until we have received either,

confirmation that you have attended the appointment from our team, or
you notify us confirming you no longer require the appointment

Please note

We will not proceed with the transfer until either

you have sent us the appointment outcome (guidance provided), or
you notify us you no longer require the appointment

Please choose whether you'd like us to call you in the morning (9am - 12pm) or afternoon (12pm-5pm):

Financial Advice

We recommend seeking financial advice if you haven’t already. This can help you make informed choices about your retirement savings.

You can also get support from moneyhelper.org.uk

Have you received (or will you receive) financial advice from an FCA-regulated adviser for this transfer?

A financial adviser can offer regulated advice and a personal recommendation (usually at your own cost).

Name of your financial adviser

Their FCA number

usally 6 or 7 digits long

Their contact email address

Declaration to confirm your understanding of this section

By ticking here I confirm I have considered taking financial advice and wish to proceed

Warnings & Considerations

Important things to consider

For some people, it makes sense to combine pension accounts by transferring from one plan to another but it might not be the right choice for everyone and can carry financial risk.

Remember, you can get support from moneyhelper.org.uk

We’ve listed some key points that are important for you to consider before you make the final decision to transfer.

Protect your pension from scams

We can’t always shield your pension from the effects of economic uncertainty during the lifetime of this long-term investment, but there are things you can do if you believe your pension fund has been mismanaged, or to protect yourself from scams.

Please take a moment to read the important information about Pension Scams leaflet (on the right side of the page) to help you make an informed decision about moving your pension.

Please confirm you have read the information about Pension Scams:

I have read the information provided about Pension Scams and wish to proceed

Hand holding a customer

Our responsibility to protect you

To help protect you, we’re required to complete checks on your new pension provider’s scheme before we move your money.

We’ll only be able to complete the transfer when we’re comfortable your new pension provider’s scheme meets the UK Government’s regulations.

As part of these regulations there are additional requirements:

Transfers to certain types of occupational (work related) pension schemes will require you to provide proof of employment.
You may be required to take guidance from MoneyHelper if the scheme has certain features

If you transfer your money to an unauthorised scheme, or you’re investing in unusual investments you don’t know much about, your money is at risk.

When you’ve submitted this form and we’ve received information from your new provider, we’ll check the scheme and be in touch to let you know if we need anything else.

We’ll aim to complete our checks as quickly as possible.

Please confirm you have read the above and are happy to provide any additional information we may need

I am aware you will carry out checks on the receiving scheme and I am happy to provide further information if needed

Fees & Charges

Pension charges can affect how much money you have when you retire and will vary between pension products and schemes.

Employers may have negotiated lower rates for their workplace pension members.

When comparing pension providers, check all fees; some are fixed, others are a percentage of your savings.

Common charges

Common charges include (but aren’t limited to) fees for managing your account, investing your money, changing your investments, and transferring to another provider.

L&G only charges for managing your pension, known as the (Annual Management Charge), and your investments (known as the Fund Management Charge). There are no extra fees for taking money out, switching funds or transferring.

You’ll find more information in your online account

Compare costs carefully and consider getting financial advice before making changes.

Please confirm the statement below to continue:

I have compared the fees and charges and wish to proceed

Pension Features

Different pensions could have different features that you may gain or lose as
you move your pension savings between providers.

These will include things like; the age you can access your benefits and the
investments available to you.

It’s important that you understand any differences before you transfer.

If you want to remind yourself of the features of your L&G pension you can visit your scheme’s website, you can access this through your online account or speak to your Employer.

Please confirm the statement below to continue

I am aware of the features of my pensions and wish to proceed

Unauthorised Payments & Tax Charges

Transferring your pension comes with serious tax risks if not done correctly.

You can only transfer your pension to a scheme registered with HMRC.

If you transfer to a scheme that isn’t registered, or one that doesn’t follow UK pension rules, such as paying your entire benefits as cash, or allowing early access before age 55 (unless due to ill health), you could face a tax charge of up to 55% of your pension pot.

L&G will do all it can to check the registration status of the receiving scheme and will not proceed with a transfer if it’s not registered.

However, it is important that you are also comfortable with the scheme you are transferring to and understand the potential risks involved.

By submitting a transfer request, you confirm you understand these risks and accept that L&G cannot be held responsible for any tax charges or consequences arising from unauthorised payments made by another provider.

For more details, visit hmrc.gov.uk

Please confirm you have read the above information about unauthorised payments and tax charges

I have checked that the new provider is registered with HRMC and I am aware that unauthorised payments made by them could incur tax charges

Pension Contributions

If you're still paying into your pension, a final contribution might come through after your pot is transferred.

To avoid this, let your employer know you’re transferring as soon as possible and ask them to stop any further contributions – unless you are setting up a new account for contributions to be paid to.

If we do receive contributions for the account that you’ve just transferred, we’ll try and sent it to your new provider.

Be aware, if they can’t accept it, the contribution will be returned to you as a cash lump sum and up to 70% of the returned funds could be taxed.

Partial Transfers and New Accounts

You can keep your L&G account open by leaving £100 in your account. This would be a partial transfer, is subject to acceptance, and must be a minimum transfer amount of £2000.

If you want to change a partial transfer amount, go back to the ‘Your Transfer Details’ section of this form to update it.

You can also check if your Employer can set up a new account for you to continue contributing to.

Please confirm you read the above and wish to proceed

I have read the information above and considered the impact of future contributions on the account I am transferring from

Protected / Enhanced Benefits

Your L&G pension may have protected benefits, such as:

Protected Tax Free Cash
Protected Retirement Age due to your profession or your Employer’s scheme specific rules
Protected Retirement Age specifically to protect from the increase of the minimum pension age to 57 from April 2028

It’s important to know, those benefits, if you have them, may be lost when you transfer to another provider.

You can check whether you have these benefits by logging into the L&G app or your online account and contacting us through the ‘Help’ button.

You should then check if you will lose the benefits you have with your new provider.

Please confirm that you have checked whether you have protected or enhanced benefits and wish to proceed

I am aware that transferring to a new provider may result in a loss of protected or enhanced benefits from my L&G scheme and wish to proceed with the transfer

Your declaration and consent

Member Declaration

I declare and confirm that:

I am exercising my statutory right to request L&G to transfer my pension benefits to the receiving scheme.

I have checked that the receiving scheme is registered with HMRC.

I have read and understood the regulatory information and the information provided about protection from pension scams.

I understand that if the receiving scheme allows access to my pension before age 55 (unless due to ill health), there is a serious risk of significant tax charges . There may also be a risk that the receiving scheme charges significant fees.

I will not hold L&G responsible in any way, and I will not seek any compensation or seek any payment of any kind from L&G and will not ask L&G to take any action in relation to any tax charges, any significant fees or any other losses of any kind which arise because of the transfer.

I discharge Legal & General Assurance Society Limited from any and all liability under this scheme.

This declaration is true and correct.

I agree and acknowledge that:

L&G does not know whether the receiving scheme allows access to my pension before age 55.

L&G may carry out checks to confirm:

(i) that the receiving scheme is registered with HMRC, and
(ii) that the transfer would be a recognised transfer for HMRC purposes.

L&G may delay making the transfer until it has satisfied itself of (i) and (ii) above.

L&G may request additional information from the receiving scheme to satisfy itself of (i) and (ii) above and will let me know if it does.

L&G will calculate the transfer value based on policy terms and conditions when it has satisfied itself of (i) and (ii) above.

L&G will write to me to inform me if it cannot satisfy itself of (i) and (ii) above.

Tick below to confirm you have read the declaration and acknowledgements and wish to proceed with the transfer

I have read the above information and confirm I wish to proceed. This declaration is dated on the day this form is submitted

Important instructions for you - next steps

Before you submit this form

We also need information directly from your new pension provider, known as the receiving scheme.

To continue to the next stage, please follow these steps:

Copy this link – https://www.legalandgeneral.com/forms/workplace-forms/receiving-scheme-form/
Email the link to the receiving scheme, include your L&G Pension Account Number\s in your email to them
Request your receiving scheme complete their online form as soon as possible

As soon as your provider submits their form:

We’ll receive it here at L&G
We’ll let you know when it’s received
We’ll check we have everything we need and either complete the transfer or reach out for any additional information, we’ll do this by email

Estimated timescales

Processing the transfer: 5 to 7 days from the date we receive everything we need from you and your new provider

Remember, investments may vary on a daily basis and can go down as well as up.

If you’ve requested to transfer all of your funds we’ll only know the exact transfer amount on the day we make the payment.

Money arrives with new provider: 3 to 5 working days as the money is sent via BACS payment

Funds appear in your new account: This depends on your new provider and how quickly they allocate the money we send them

We will send you an email to remind of the steps above when you submit this form and keep you updated along the way so there’s no need to call us for an update.

When you’re sure you have what you need from the above instructions, you can submit this form.