We’ve made changes to your T&Cs. They’re alterations to reflect process changes we’ve made and to make some areas clearer to you.

If you're unhappy with the proposed changes to these terms and conditions you should notify us of this. You have the right to terminate your use of the Retiready service and request that we transfer or close all your product wrappers. All charges and payments due before transferring or closing your product wrappers would still be due to be paid in the event of transfer or closure. The options you have on transferring or closing your product wrapper will depend on the type of product and investments you hold. For example, if you hold a Retiready pension we will be unable to pay the proceeds of any sale to your UK bank or building society account and you will have to request to transfer to another registered pension scheme. You should also speak to your adviser if you have one about your options before making any decisions.

Here’s the summary of changes document that shows the changes we’ve made to the T&Cs.

Here’s a copy of the updated T&Cs that come into effect on 18 July 2023.

If you have any questions about these changes please contact us. You can call us on 03456 100 072 9am – 5pm, Monday to Friday or visit our support section. Call charges will vary.