
Before accessing your pension pot
Take a few minutes to check out the basics before you get started
Common questions
You can choose when you want to retire, which is usually 55 (57 from April 2028), as the days of a forced retirement age no longer exist, and more and more people are working longer and taking a gradual approach to retirement. It’s worth considering when you can receive your state pension or private pensions when making a decision.
The amount you need in retirement depends on what kind of lifestyle you’d like during retirement. You can use our retirement income calculator to see how much your pension pot could get you at 55.
Need some help?
Making well-informed decisions about financing your retirement is important so it’s worth shopping around and using available guidance and advice, before you buy. Other providers may have more appropriate products or be able to offer a higher level of retirement income.

Retirement guidance
Pension Wise from MoneyHelper
You can get guidance from the government's free and impartial service to help make your money and pension choices clearer.
The availability of appointments can vary between a few days and several weeks, so if you need guidance, it's a good idea to book an appointment slot now:
0800 138 3944
Monday to Friday 9am to 5pm.
Calls may be recorded and monitored.

Speak with us
Our colleagues are always happy to help with your questions or to help you apply for a quote.

Get financial advice
Financial advisers can give you professional advice for pension planning.
You usually need to pay for their service and in return they recommend how to make the most of your pension given your circumstances.
To find and compare financial advisers please visit their website below.