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The basics

A simple guide to how pensions work and what the different terms mean, as well as the pension rules that became effective from April 2015.

Need to know

Details on important topics like benefits, tax, budgeting and life expectancy. You need to understand these before looking at what’s right for you.

Retirement options

Taking you through the basic ways you can access your pension pot, so you can work out which ones might suit your needs. This section includes case studies which will help illustrate these options.

Our products

Details of the retirement income products we offer, our Retirement Income Calculator and access to online quote and apply. Helpful information and  tools to use when shopping around.

Lifetime mortgages

Release some of the equity that's tied up in your home - tax-free.


A lifetime mortgage creates a debt on your home.

Taking cash

If you're considering taking all of your cash, read on to discover why you might get back less than you thought, if you take your cash in one go.

Case studies

Our case studies provide examples of some of the options available and the important considerations to be aware of when making your decision.

Pension Guidance and Advice

We strongly recommend that you seek guidance from the Government’s free and impartial service Pension Wise.


Find out more about guidance or advice

Shop around

Remember, it’s important to shop around and get as much guidance and advice as you need before you make any decisions on what is best for you. Other providers may have more appropriate products or be able to offer a higher level of retirement income.

Jargon buster

We've done our best to avoid complex jargon but take a look at our jargon buster if you need more explanation on any terms we use.

Moneywise Award Winner

Moneywise Pension Award Winner 2017  

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