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Terms & Conditions

We’ve updated our terms and conditions to reflect the introduction of a new default investment fund, the L&G PMC Target Date Fund.

You can find a copy of the full updated terms and conditions here <<Hyperlink TBD>>.

Summary of the changes:

  • Introduction of Target Date Funds
  • Changes to how charges are applied to your account
  • Fund change notice period

What do you need to do?

If you are happy with the updated terms and conditions, you do not need to take any action. They replace all previous versions. Please download them and keep them in a safe place.

If you are unsure how to proceed and need support, please refer to the 'Guidance and advice' section on where to access impartial help.

If you decide not to accept the updates, you’re welcome to move your pension plan to another provider. Just keep in mind that if you do transfer your plan elsewhere, your employer may no longer be able to contribute to it.