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Need to know.

This section is built around some of the key topics you need to have considered before making any decisions.

Lost Pensions

What is the best way to track down a missing pension?

The State Pension and Benefits

What might I be entitled to?

Tax and your retirement

What about income tax and tax-free cash?

Thinking of taking cash?

If you're considering taking your whole pension pot as cash, find out why you might get back less than you thought.


What will happen to my pension pot when I die?

Living costs

What are my living costs likely to be in retirement?

Life expectancy

How long will my pension pot need to last?

Contact us

If you can't find the information you're looking for online, visit our contact us page.

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.

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