..:: The Pension Market ::..

Q - Is your pension working for you?
Q - Do you have a deferred company pension scheme or a personal pension?

Personal Pensions

Q - Are you one of many who are still either contributing to/or have personal pensions with providers who are making excessive charges to run these policies?

Q - Is that provider closed to new business, which will affect the costs of running these funds along with poor future returns on these polices?

Q - Do you have a pension with one of the following companies that are closed to new business:-

Abbey Life/Hill Samuel/Target Life
Alba (Crusader/FS Assurance/Life Assurance of Scotland )
Barclays Life/Woolwich Life
Britannic
Colonial
Eagle Star
Equitable Life
Guardian.
Halifax Life/Leeds Life
Lloyds TSB Life
London Life
Manu life
NM Financial Services
NPI
Pearl
Phoenix/Royal Life/Sun Alliance
Provident Mutual
Scottish Mutual
Scottish Equitable
Windsor Life (Gan Aetna, Regency Life)

With the introduction of Stakeholder and their 1% maximum charges make them cheaper than many existing pension contracts sold in the past. This has also brought the cost down on many other new Pension Contracts.

This means that it may be attractive for people to switch provider either to a Stakeholder contract or a lower charging Personal Pension contract.

Occupational Pension Contracts

Q - Are you like many who have left your employer and the company pension that you had with them?

Q - How often have you read in the press about employees losing out on their pensions due to the bad management of these funds?

Q - Are you happy to wait till retirement to find out that you have nothing to come, as a deferred pensioner you are the last in line when it comes to any guarantees/as you have none?

Q - How can we help you?

We are specialist in pensions and are able to give you advice on both Personal Pensions and Occupational Pensions schemes and are here to help you.

If you fall into one of the above categories please contact us for Independent advice.

Please contact an adviser in your area by clicking above or alternatively ring us on 01772 455333