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Reached Retirement
As you approach retirement, professional pension advice is beneficial. Private pensions and company pensions are reaching maturity and pension payouts need to be considered. Continual pension comparison is recommended to ensure you are getting the most from your pension scheme.

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Annuity

An annuity is a guarantee to provide you with an income for the rest of your life. The pension provider that offers you an annuity estimates your life expectancy then uses this as a basis for determining your annual payments, based on the amount of your pension lump sum.

The amount of income can vary substantially between the different providers.

  • Annuity
  • High Interest Deposit Bond
  • Cash ISA




High Interest Deposit Bond
High Interest Deposit Bonds are an ideal way to start a permanent saving plan.

A High Interest Deposit Bond allows you to start small and increase your contributions each time you renew your deposit bond and re-invest. Bonds are fixed, usually for a term between three months and three years, and you will not have regular access to the money you have invested during this period.

Cash ISA
Individual Savings Accounts (ISAs) are a tax-free savings option that means you do not have to declare any income or capital gains they receive. ISAs are tax free. ISAs were introduced by the Government in April 1999 and are guaranteed to be around until at least 2010. You can save up to £7,000 each financial year and a financial year runs from 6th April to 5th April the following year.
Pension Transfer
If you are in a pension scheme and thinking about a pension transfer you need to investigate the costs and possible penalties associated with moving to a new pension provider. While a pension transfer may be financially beneficial, be sure you have weighed up what you stand to make with a pension transfer versus costs and penalty fees.




Life Insurance
Life insurance, also referred to as term insurance, allows you to choose the term of a policy that will protect your loved ones if the event of your death.

Your policy duration will depend on your individual circumstances. A life insurance policy is not paid out if you do not die during the term of the policy.


  • Health Cash Plan
  • Life Insurance
  • Saving for your children’s future



In Retirement

Once you have reached retirement, and cashed your pension, a comfortable lifestyle should be guaranteed; after all you have worked hard for it and contributed to your pension fund. Additional pension schemes and pension advice is available in situations you may not have planned for.

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Health Cash Plan
As you retire, maintaining your health becomes more of a priority. A health cash plan is an inexpensive insurance option that allows you to pay a cash sum towards the cost of a wide range of health care treatments.

'Pre-existing conditions are often not covered in full and some providers will enforce a waiting period of up to three months.

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