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Final Salary Pension (Defined Benefit)

Your Final Salary Pension is designed to help you save towards your retirement.

It provides benefits that are usually based on your salary and the number of years you've been in the scheme.

Topping-up your pension 

  • Active members – Speak to your employer about the options available for making additional payments or topping-up your pension.
  • Deferred members of the scheme or a wound up scheme – No further contributions or additional benefits can be added to your pension.

Nominate a beneficiary

You'll be able to nominate a beneficiary by completing and sending us the beneficiary nomination form. To get a copy of the relevant form, please contact us.

Find out what funds you’re invested in

As this is a defined benefit pension, you don’t get to choose how it’s invested.

The amount of pension you receive is usually based on how much you earned whilst a member of the scheme and the number of years you were in the scheme.

Fund charges

No charges apply to your pension.

Annual Management Charges (AMCs), a monthly policy fee, allocation rate, bid/offer spread, transfer charges, fund charges, any associated policy charges and adviser remuneration are not applicable.

If required, your pension benefits will be adjusted for early/late payment on a basis set by the trustees/policy conditions.

Need more help? Contact us

If you can’t find what you’re looking for, or need more help, there are a number of ways you can get in touch.