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Contact us. What can I expect to receive in retirement? What about tax? What do I do next? Where is my money invested? Tracing an unclaimed Industrial Branch policy?

Protecting your identity Power of Attorney How do I contact an independent financial adviser? Can I cash in my Phoenix Life pension?

State pension before 6 April The new single-tier state pension from 6 April How much will my state pension be? Pension scams Fees Current changes to pension rules Historical changes to pension rules Pension news What are my options?

Retirement options video Interactive retirement options explained guide You can keep your pension savings where they are You can get a guaranteed income for life or a fixed term known as an annuity You can get a flexible retirement income You can take your pension savings as a number of lump sums You can take all your pension savings in one go cashing in You can choose more than one option and mix them Help with retirement options What can I expect to receive in retirement?

Annual retirement budget planner Tax calculator Pensions calculator What about tax? Tax calculator What do I do next? Case studies What next?

You are here: Home Customer centre Contact us. Search another policy. Change policy. Retirement queries A dedicated retirement line has been established to support you through the retirement process: Retirement Line: You can also refer to our retirement centre for information on your retirement options Peak Calling Times Our contact centre is usually busiest on Mondays, and on all other days between pm and pm.

Email us Online enquiry form for policyholders. Change of address. If you need to change your address you'll find everything you need here.

Find out how. Looking for financial advice. The amount of tax-free lump sum available to you when you start taking your pension benefits at your selected retirement date.

When the liabilities of an occupational pension scheme are greater than the assets. The actual, or deemed, amount of pension savings made in a pension input period.

For a money purchase pension scheme , it is the total of the contributions paid. For many pension schemes, the PIP was aligned with the tax year, so it ran from each 6 April to the following 5 April.

From April all arrangements have a pension input period aligned with the tax year. A type of Money purchase pension scheme which offers a tax efficient way to save for retirement.

The legal owner of a plan or policy. The legal owner of a policy. A person who has the authority to make decisions surrounding assets or property on behalf of another party.

An option to help protect pension rights built up before 6 April , from the lifetime allowance charge. People with primary protection can continue to have contributions paid to their retirement plans and build up more benefits.

However, if you have benefits greater than your personal Lifetime Allowance , then you may have to pay some tax under the lifetime allowance charge.

A policy that will pay for some or all of the cost of private medical treatment, as long as the medical condition is covered by the policy.

This refers to the insurance company who issued and is responsible for the administration of your policy. The amount you actually get back may be higher or lower than the projected maturity value, depending on the investment returns and the period invested.

The amount you actually get back may be higher or lower than the projection, depending on the investment returns and the period invested.

This is the person who took out the policy and was the original owner of the policy. This does not need to be the life assured.

Any protected rights which existed on 6 April became non-protected rights, so are no longer subject to special rules. The part of your annuity bought with the value built up from payments the Government has put into your pension plan, if you chose to contract out see contracting out of the State Second Pension S2P.

The value built up from payments the Government made into your pension plan if you were contracting out of the State Second Pension S2P into a money purchase pension scheme.

Protected rights ceased to exist on 6 April and any protected rights funds which existed on that date became non-protected rights. This is part of the Bank of England.

It is responsible for the prudential regulation and supervision of financial institutions. The proceeds of such policies are normally paid free from any further tax liabilities.

LAPR was stopped from 6th April See also non-qualifying policy. A document showing you the cost of insurance cover, a policy value or a projected value for a future point in time.

The difference between the return that a fund earns on its investments and the return that you receive. The difference represents the effect of expenses and other charges.

Someone who has entered into a legal relationship a 'Civil Partnership' that is similar to a marital spouse.

Life insurance which pays out if you die during the time you are covered for. At the end of the term, you have an option to renew the cover.

With a repayment mortgage, you repay part of the money you have borrowed each month together with interest. At the end of the mortgage term, you will have repaid the money you borrowed in full and all the interest accrued throughout the term.

RPI is a measure of inflation. It tracks changes in the prices of a basket of goods and services, taking a large sample of retail goods including food, tobacco, household goods, transport fares, motoring costs and clothing.

An increase in the index means prices have on average increased. Pension policies that were taken out before June by self-employed people or employed people who were not in an occupational pension scheme.

An annuity may allow for the income you are receiving to continue to be paid to your spouse or dependants after your death, though usually at a lower level.

This was an earnings related pension which was paid to you by the Government when you retired, on top of your basic state pension.

If you reach state pension age on or after 6 April you will receive the new state pension. A person whose pension is part of a registered pension scheme.

A pension paid by the pension scheme or by an insurance company selected by the scheme administrator. It gives the Scottish Parliament the power to set its own rate of income tax from April Sealed copies are endorsed with an original stamped seal by the court official.

The date you select when pension benefits from a pension scheme are intended to come into payment. A lump sum paid from a pension scheme to a member who has a life expectancy of no more than 12 months.

It is not available to those who have already taken their benefits. If paid after age 75 the lump sum is taxed as pension income at the recipient's marginal rate of income tax.

A share of the ownership of a company. This also entitles you to share in any profits the company makes. The office in Scotland responsible for issuing confirmation, the type of g rant of representation issued in Scotland if a person has died without leaving a will.

From 6 April the single-tier state pension was introduced. Individuals need at least 10 qualifying years to be entitled to receive any state pension and so the amount an individual will receive will be based on how many qualifying years they have, with individuals needing to have accrued 35 qualifying years to be entitled to the full single-tier state pension.

A payment that allows you to take your pension fund as a lump sum without triggering the Money Purchase Annual Allowance.

In order for you to take your pension savings as a small pots payment, there are a few conditions you must meet:.

With-profits investments include a special feature known as smoothing. Smoothing is designed to protect investors from the direct impact of any sudden movements in the stock market.

An instruction you give to your bank or building society to pay regular amounts to a third party. You will receive a basic state pension so long as you have paid or been credited with enough national insurance contributions by the time you reach the state pension age.

The State Pension age for men and women is increasing and will reach 66 by October It's due to rise further to 67 between and An illustration of what the pension policy or pension scheme might provide at the normal retirement date.

It uses assumptions which are generally set by the regulator. This illustration is normally sent to most pension policyholders each year, except in the year before the normal retirement date.

If your policy has a sum assured, this is the amount we promise to pay you, so long as you pay all the premiums due for the term of your policy.

For whole life policies, we will pay this amount when the life assured dies. For endowment policies, we will pay this amount when the life assured dies or at the end of the policy term.

If you cancel an investment or life assurance policy, this is known as a surrender. You should think carefully before surrendering your policy.

We recommend that you seek independent financial advice before you do. Pension annual allowance AA is the annual limit on the amount of contributions paid to, or benefits accrued in, a pension scheme before the member has to pay tax.

Tapered annual allowance is lower than the standard annual allowance and is based on the individuals level of taxable income within the tax year.

For the taper to apply, the limits on threshold income and adjusted income must both be exceeded. Some of your money that would have gone to the Government as tax, goes into your pension instead.

An amount of cash set by law that you can take at retirement free of tax. Sometimes simply referred to as 'tax-free cash' or 'cash lump sum. The length of time a policy is in force or, in the case of a mortgage, the length of time you have to repay what you have borrowed.

This is sometimes known as an annual final or maturity bonus. For life insurance, an advanced or rapidly progressing incurable illness where, in the opinion of an attending consultant or a Chief Medical Officer, life expectancy is likely to be no greater than 12 months.

Visit their website at www. Generally, the present Government and the departments responsible for the administration of the UK. A person or organisation who is not directly involved in a contract or relationship but has an interest in it.

Threshold income is one of two measures used to determine if a member has a tapered annual allowance. A with-profits policy shares in the profits and losses of the fund it invests in, in the form of bonuses.

The amount received from another pension scheme or pension provider when pension benefits are moved from one provider to another. The option for a member of a defined benefit pension scheme to take all of their pension benefits as a one-off lump sum.

The lump sum will be subject to an income tax charge at the member's marginal rate. Where a policy is held by a person or persons the trustee s , for the benefit of another person or persons the beneficiaries , the trustees are the legal owners and will be the people entitled to make a claim under the policy.

The trustees have the duty to make sure that the proceeds are paid to the named beneficiaries, or are managed on their behalf.

The legal document that transfers the legal ownership of a policy to the trustees to hold, subject to the terms of a trust. Unauthorised payments are any payments that don't meet the conditions to be an authorised payment.

The assets money is invested in to build up the value in a policy. The person who assesses the terms we accept business on and whether a policyholder should be charged because they are at a higher risk of dying or becoming ill.

Calculating the risk that a policyholder will make a claim on an insurance policy, based on information such as age, sex, health and occupation.

Underwriters can then decide how much the insurance premiums should be. A market value reduction may apply to these policies in certain circumstances.

A unit-linked policy is linked directly with particular investments for example, stocks and shares. The amount you finally receive depends on the success of these investments, which can go up or down in value.

An interest rate that can move up or down at any time, usually when there are movements in the Bank of England Base Rate.

For income protection policies, this is the period after first taking out the policy when you are not fully covered. The policy may allow for your regular premiums to be suspended if you become ill and are unable to work.

It gives the Welsh Parliament the power to set its own rate of income tax from April A life assurance policy which pays out whenever you die.

Premiums might be paid for a specified period, up to a specified age or until you die. A legal document that allows an individual to specify how their assets are to be handled following their death, naming the person, or persons, responsible for carrying out those wishes.

A one-off lump sum paid, that may be subject to an income tax charge, under an occupational pension scheme which is winding up when the available fund is below a prescribed threshold.

There are no age limitations on when it can be paid. A with-profits endowment is a savings product which usually includes life cover.

It pays you at least a fixed amount if you die before the policy matures, or the sum assured plus any bonuses that may have been added over the term, at maturity.

Phoenix Life Limited Co. To find the contact details for our customer centre team responsible for your policy, please enter the name of the company your policy was with before it became part of Phoenix Life e.

To request infromation from the team responsible for your policy, please enter the name of the company your policy was with before it became part of Phoenix Life e.

To find the customer centre team responsible for providing you with your retirement pack, please enter the name of the company your policy was with before it became part of Phoenix Life e.

We will now take you to the Standard Life Assurance Limited website to complete your application. On the website you will be able to view a Privacy Notice which outlines how your personal data will be used.

The following information is brought to you by Phoenix Customer Care who are part of the same group as Phoenix Life.

Remember my selection for next time We can save this selection so that the next time you visit us we can remember what you have selected — we do this using a cookie.

To find out more about the cookies we use and how to delete them, see our privacy policy. We can see that you are using Internet Explorer 8 to view our website.

This means certain content may not be available to you. In order to get the best experience from our website, please upgrade to a later version of Internet Explorer or use an alternative such as Chrome or Firefox.

Text size: A A A. Contact us. What can I expect to receive in retirement? What about tax? What do I do next?

Where is my money invested? Tracing an unclaimed Industrial Branch policy? Protecting your identity Power of Attorney How do I contact an independent financial adviser?

Can I cash in my Phoenix Life pension? State pension before 6 April The new single-tier state pension from 6 April How much will my state pension be?

Pension scams Fees Current changes to pension rules Historical changes to pension rules Pension news What are my options? Retirement options video Interactive retirement options explained guide You can keep your pension savings where they are You can get a guaranteed income for life or a fixed term known as an annuity You can get a flexible retirement income You can take your pension savings as a number of lump sums You can take all your pension savings in one go cashing in You can choose more than one option and mix them Help with retirement options What can I expect to receive in retirement?

Annual retirement budget planner Tax calculator Pensions calculator What about tax? Tax calculator What do I do next? Case studies What next?

You are here: Home Customer centre. Welcome to our contact enquiry page. Search another policy. Find a policy.

I would like to request a retirement pack. I would like to update my personal details. Updating my address If you have access to a printer you can use our change of address form.

Updating my name If you have access to a printer you can use our change of name form. I would like to make a complaint. I would like information on my unit-linked fund price.

I would like information on my with-profits policy. I would like information on managing my trust based pension scheme. All other enquiries.

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Financial glossary. Start typing to find the jargon you are looking for. Adjusted Income. Bank of England base rate. Financial Ombudsman Service.

General insurance. Notary Public. Pension deficit. Power of Attorney POA. Probate Registry of the High Court.

S2P State Second Pension. Scottish Rate of Income Tax. The State. The Pensions Regulator. Crown copyright. Guaranteed drawdown.

Hybrid products. Small pot payment. Sheriff's Court. Tax relief. Tapered annual allowance. This article contains content that is written like an advertisement.

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Someone who is related to you through a common ancestor rather than by marriage or adoption, e. A type of policy where you pay a single premium.

These policies have no fixed term open ended and can be surrendered at any time. We will pay the sum assured or death benefit when you die.

The legal owner of a bond. This may include trustees of a pension scheme. Units that can be added to a unitised with-profits policy to increase its value.

The amount of money made if an asset such as a building or company shares is sold for more than it cost the investment profit.

A tax charged on the profit made by selling assets e. Everyone is allowed to make a certain level of profit each year before capital gains tax is charged.

You may qualify for Private Residence Relief on the sale of your main home. Also known as Initial Units. These can be allocated to a unit-linked or unitised with-profits policy, usually in the first one or two years.

Capital units have extra charges to cover the selling and set-up costs for the policy. A type of income drawdown product that was available before 6 April It allows you to take an income directly from the pension fund while leaving the fund invested.

An option which enables you to have pension savings in a tax year which exceed the annual allowance without having to pay tax. It is only available where pension savings in one or more of the preceding three tax years were below the annual allowance.

The unused allowance is carried forward into the current tax year. The amount you might get if you surrender or cancel an investment or life insurance policy.

You should think carefully before cashing in your policy. We recommend you seek independent financial advice before you do. A chargeable event will normally arise on a non-qualifying policy.

For example, when you cash the policy in or if the life assured dies. There are a number of ways in which providers can cover the cost of managing your policy.

Someone who has entered into a legal relationship a 'Civil Partnership' that is similar to marriage. A life fund is one that contains longer-term investment policies and pensions.

An amount of money paid to an adviser or salesperson who advises you to buy a financial product. Since the start of advisers cannot be paid commission if they give you advice about pensions or investments.

They must charge you a fee for the advice. Commission can still be paid for advice on other products such as mortgages, general insurance or life assurance.

Compound means that interest is also charged or earned on any previous interest. This is now the key official measure of inflation.

It is calculated each month by taking a sample of goods and services that a typical household might buy including food, heating, household goods and travel costs, but excluding mortgage costs.

The size of the rise or fall in the index determines the rate of inflation or deflation. A term used to describe pension policyholders who were contracted out of the State Second Pension S2P.

From 6 April , this option was no longer available to members of a money purchase pension scheme, such as a personal pension.

Contracting out from a defined benefits pension scheme was also ended in April A type of with-profits policy which has a sum assured or guaranteed cash sum in other words, an amount we promise to pay you, so long as you pay all the premiums due for the term of your policy.

A type of insurance policy that will pay you a fixed amount, usually as a lump sum, if you are diagnosed with one of the severe illnesses, medical conditions or injuries specified in the policy.

For example, the rules say that you cannot use reproductions of these certificates to provide evidence of birth, death, marriage or civil partnership.

This is why we may ask for original certificates when you are claiming on your policy. Some life insurance policies are for a fixed length of time term and pay you a fixed lump sum if you die during that time.

With a decreasing term policy, the amount paid out if you die reduces over the term. At the end of the term, the policy typically has no value.

A document that transfers benefits or rights from one party to another. Once signed, it becomes legally binding. The delayed payment of a pension.

This is delayed until the policyholder is ready to start taking it. For income protection policies, the period after the policyholder first becomes ill or unable to work and has not recovered before any income is paid.

Pays a retirement income based on your salary and how long you have worked for your employer. Defined benefit pensions include 'final salary' and 'career average' pension schemes.

Generally only available from public sector or older workplace pension schemes. Your pot is put into various types of investments, including shares shares are a stake in a company.

The amount in your pension pot at retirement is based on how much has been paid in and how well the investments have performed.

Also known as 'money purchase' schemes. The process by which a mutual company one that is owned by its members becomes a publicly-traded company one that is quoted on the stock exchange and is owned by shareholders.

Some guaranteed incomes can provide an ongoing income for a nominated dependant should you die. Payments you make direct from your bank account under the authority of a direct debit instruction.

An investment company is required to tell you the total cost of taking out a product or policy with them. The practice of spreading investments across different asset classes see asset class to create a balance of risk and return in an investment portfolio.

Any money left in your pension pot remains invested, which may give your pension pot a chance to grow, but it could go down in value too.

You may need to move into a new pension plan to do this. Replaced flexible drawdown and capped drawdown from April , though existing users of capped drawdown can continue in that plan.

A savings product that usually includes life cover. It pays you at least a fixed amount if you die before the policy matures or, at maturity, the sum assured in other words, the amount we promise to pay you, so long as you pay all the premiums due for the term of your policy plus any bonuses that may have been added over the term.

These tend to pay a higher amount of income on the basis that your life is expected to be shorter and so the income will not be paying out for as long.

An option to help protect pension rights built up before 6 April from the lifetime allowance charge. The option was open until 5 April , but only to people who stopped building up additional pension rights after 5 April A way to release some of the value of your property to spend while you are alive.

It is generally only suitable for people who own their property but have little in the way of other assets or income. An 'escalating' guaranteed income or annuity increases over time to keep up with the increasing cost of goods and services, known as inflation.

Your income will start at a lower level and will increase by your chosen amount each year. When a person dies, their 'estate' is everything they own except, in most circumstances, anything owned jointly with another person , less any liabilities, including their main residence, the value of any assets and most money given away by them within the seven years before the date they died.

The estate also includes all bank accounts, life insurance policies, unit trusts, individual savings accounts ISAs , but not personal pensions, unless we advise you otherwise.

More information is available from HM Revenue and Customs. For some funds, we have started to distribute the estate to eligible with-profits policyholders.

A projection of what you might get back from an investment. It is worked out based on assumed growth rates and future charges you may have to pay.

This is an example amount and is not guaranteed. The amount you actually get back may be higher or lower than the EMV, depending on the investment returns and the period invested.

The term used to refer to an administrator in Scotland i. The term used in Scotland to refer to an executor i. This is sometimes known as an annual, maturity or terminal bonus.

An independent body that regulates the financial services industry within the UK. The Financial Ombudsman Service is an independent public body that helps settle individual financial disputes between customers and businesses.

For more information, visit their website at www. Financial products that promise the lender one or more fixed cash payments in the future.

They may be issued by central or local Government or a company in order to raise capital. The ability to protect pension funds built up before 6 April from a lifetime allowance charge.

A way of using your pension pot to take an income directly from the pension fund while leaving the fund invested.

The income isn't guaranteed for life, but you have the flexibility to make changes to how much you take or to later switch to more secure retirement income products.

Any payment you take will be added to your income for the year and taxed in the normal way. It replaced flexible drawdown and capped drawdown from April , though existing users of capped drawdown can continue in that plan.

As they replaced some state pension benefits, they were subject to special rules. From 6 April , it was no longer possible to contract out into a money purchase pension scheme.

Any protected rights which existed on 6 April became non-protected rights or former protected rights, so are no longer subject to special rules. If you are in your employer's pension scheme, you may be able to build up a bigger pension pot by paying extra amounts into a separate, independent scheme which is known as an FSAVC scheme.

Indexes showing the relative increase or decrease in the price of selected shares on the London Stock Exchange.

A fund pools together the money from many individuals and then the fund manager uses it to invest in a broad range of assets. A fund manager invests the money investors have paid into a fund in various asset types such as cash, bonds, equities and property and depending upon on the investment objective of the fund.

European Parliament and Council regulation that sets out the rules an organisation has to follow to protect EU citizens' personal data. This came into force from 25th May General insurance can include home, contents, motor, travel, unemployment and accident and sickness cover.

Gilts are bonds that are issued by the British government, and they are generally considered low-risk investments. The name originates from the original certificates, issued by the British government, which had gilded edges.

The yield income on Gilts is one of the factors used to set the basis amount for capped drawdown pensions. When reviewing a capped drawdown pension, one of the factors used in calculating the maximum pension allowable is extracted from a set of tables calculated by GAD.

If it does, and you can choose to take a guaranteed income for life an annuity , you are entitled to the guaranteed rate. It is important to check whether you have a GAO and how it operates as this may give you a higher income than you can get from another provider.

If it does, and you choose to take a guaranteed income for life an annuity from your pension policy, you are entitled to the guaranteed rate.

It is important to check whether you have a GAR and how it operates as this may give you a higher income than you can get from another provider.

Once a bonus has been added to a with-profits policy it is guaranteed to be paid at the end of the policy, so long as all the premiums due under the policy are paid.

It also refers to where bonus rates are guaranteed to be fixed or at least a minimum amount. The minimum amount to be paid when a policyholder with a with-profits policy retires or dies, so long as all the premiums due under the policy are paid.

A hybrid product that combines a guaranteed income for life with the features of a flexible retirement income product. A policy where you can invest a lump sum for a fixed term typically 3 to 5 years usually with a guaranteed minimum return.

A policy where you can invest a lump sum for a fixed term typically 3 to 5 years usually with a guaranteed income of a specified amount for the length of the term.

A fixed term stock market linked investment with a built-in guarantee to return at least the original investment if held to maturity.

This offers investors the chance to share in stock market growth potential without risking their original investment. The minimum amount a policy will pay out if the policyholder dies during the term of the policy, as long as they make all the payments due.

These are exclusive funds with a high minimum investment level and are generally not open to the general public. They are unregulated and exempt from many of the rules surrounding a collective investment.

This allows them to follow aggressive investment strategies that are unavailable to Financial Conduct Authority authorised funds. While some hedge funds operate a conservative strategy, others take risky positions on market and share movement.

Visit the HMRC website. Products that combine features of a guaranteed income and a flexible retirement income product to provide a retirement income.

The amount you actually get back may be higher or lower than the illustration, depending on the investment returns and the period invested.

If you smoke, have high blood pressure, are on prescribed medication or have a medical condition, you may be eligible for an 'enhanced' guaranteed income also known as an 'enhanced', 'lifestyle' or 'underwritten' annuity.

This type of insurance policy pays out if you're unable to work because of injury or illness. It will usually pay out until your retirement, death or your return to work.

Full details are given in the policy terms and conditions. The tax you pay on your income each tax year. The amount of tax you pay depends on the amount of money you earn and receive from your investments and savings and on your individual tax allowances.

The only type of financial adviser who can choose from all the products available on the whole of the market.

An investment fund that follows a selected market index, for example the FTSE index. The value of the investment will go up and down in line with the index that it is based on.

There are no guarantees. An increase to annuity payments, pension benefits or premiums you pay, linked to a government index typically the Consumer Price Index or Retail Prices Index.

The purpose of index-linking is to attempt to protect you against rising costs as a result of inflation. You will not lose Individual Protection by making further savings in to your pension scheme, but any pension savings in excess of your protected lifetime allowance will be subject to a lifetime allowance charge.

ISAs are tax-efficient savings and investment accounts. You do not pay income tax on the interest or dividends you receive from an ISA and any profits from investments are free of Capital Gains Tax.

There are limits on the amount you can invest in ISAs in each tax year. The increase in the general level of prices of goods and services meaning that the same amount of money will buy less in the future than it does today.

Also known as Capital Units. Initial units have extra charges to cover the selling and set-up costs for the policy. A financial intermediary is someone, such as an independent financial adviser, who arranges or organises a financial product or service for you.

A life assurance product that provides life cover for more than one person and pays benefits either on the first or second death.

A record of the registered owner of land and of whether there are any mortgages or other restrictions affecting it.

The record is held by the Land Registry. The policy will normally have some cash in value. Full details of what happens when policyholders stop paying premiums are given in the policy terms and conditions.

The simplest type of life assurance. If you die during the time you are covered, it pays out a specified sum of money. The premiums stay the same throughout the term.

There is normally no cash surrender value. If you have a policy that provides life cover, the policy will pay out a sum of money if the life assured on the policy dies.

The total amount you can save into pensions in your lifetime while still getting tax relief. If you go over the allowance you will pay a tax charge on the excess when you draw out your savings as cash or pension.

If taking it as income you will also pay tax on it at your usual Income Tax rate. If you die leaving untouched pension savings that exceed the Lifetime allowance — and they have not already been assessed against it — then your nominated beneficiary will be liable for the extra tax charges on the amount that exceeds the Lifetime allowance.

This applies whether you die before or after age Pots can normally pass tax-free to nominated beneficiaries if you die before age A retirement income product that guarantees a regular income for the rest of your life.

The income may stay level, be linked to inflation or rise gradually at set rates, depending on which features you choose. Includes the option to provide for a dependant for life after you die in return for a lower income.

This is a pricing index used when calculating increases to certain pensions either in payment or deferment.

A savings product that always includes life assurance. It pays out a fixed amount, known as the sum assured, plus any bonuses at the end of a fixed term.

It is designed to help pay off the capital of an interest only mortgage but doesn't guarantee to do so. The amount payable if you die during the term is normally sufficient to pay off the mortgage covered.

Full details of when an MVA may apply are given in your policy terms and conditions. The MVA is the amount by which the cash-in value is less than the fund value.

It is used to help ensure that policyholders who cash in some or all of their with-profits investments before the end of their policy term do not disadvantage the policyholders remaining in the fund.

MVAs are not normally applied when the policy is due to end, if you retire at your chosen retirement date or if you die during the term.

For unitised with-profits bonds, there may also be guaranteed dates where we guarantee not to apply a MVA if you cash-in your policy.

For unitised with-profits policies, we may apply a market value reduction MVR if you decide to cash-in your policy or start taking pension benefits early, transfer it to another company or switch it from the unitised with-profits fund into another investment fund.

Full details of when an MVR may apply are given in your policy terms and conditions. The MVR is the amount by which the cash-in value is less than the fund value.

MVRs are not normally applied when the policy is due to end, if you retire at your chosen retirement date or if you die during the term.

For unitised with-profits bonds, there may also be guaranteed dates where we guarantee not to apply a MVR if you cash-in your policy.

This is when the policy has reached the set number of years originally agreed. For pension policies, the maturity date is usually called the selected retirement date.

This is sometimes known as an annual, final or terminal bonus. Also known as 'defined contribution' pension schemes. The maximum amount that can be paid in one year to your defined contribution pension savings and still get tax relief if you have already taken money out of any pension pot as cash in one go or as smaller lump sums , or once you have started taking income from a flexible retirement income product or from a lifetime annuity which could decrease such as an investment-linked annuity.

It does not apply if you have only used some or all of your pension pot to buy a lifetime annuity. The MPAA is also triggered for payments from a pre-April capped drawdown plan that exceeds the cap and in certain other limited circumstances.

If you exceed the MPAA a tax charge is made which claws back any tax relief that was given at source.

The MPAA limit does not apply to other pension savings. The legal document you sign giving the lender the legal right to use your property as security for a mortgage.

A type of endowment policy usually linked to an interest only mortgage. The benefits are used to pay off some or all of the mortgage at the end of the term.

You pay National Insurance contributions to qualify for certain benefits and the State Pension. You pay National Insurance if you are 16 or over and earn, or make a profit if you are self-employed, over a minimum amount.

Before April , if you contracted out of the State Second Pension S2P into a money purchase appropriate personal pension plan, part of the national insurance contributions paid by you and your employer to fund S2P was refunded and paid into your pension plan.

Since April , individuals in these plans have been contracted back in and accumulated S2P up to April Contracting out through a defined benefit scheme ceased in April This includes looking after the value of any unclaimed life assurance policies.

For more information, visit www. This is called the Personal Savings Allowance. Your next of kin is your closest relative, usually a spouse or registered civil partner, but if no such person exists, may be a blood relative i.

A person, named by a policyholder, as someone they would like to receive benefits from a policy following their death.

There may be an additional cost to maintaining a policy in this way, and it may only be able to continue for a limited time or while there is still a surrender value.

Sometimes the unpaid premiums are expressed as a 'loaned' amount. The benefits built up in a money purchase pension scheme from contributions made by the policyholder or their employer.

As a result a chargeable event will normally arise when the proceeds are paid. This is the assumed retirement date we use when we set up a pension policy for an occupational pension scheme this will be set in the scheme rules.

An individual who is authorised to swear oaths, certify the execution of deeds and who can authenticate signatures, documents and facts with such authentication being relied upon.

A pension scheme set up by an employer for its employees. It usually provides life insurance as well as pension benefits. The pension it pays out can be based on a proportion of the employee's final salary , or on the amount paid in, together with investment growth see money purchase.

An ombudsman is an independent person or organisation that can help settle some disputes between an organisation and their customers. A collective investment vehicle in company form.

They provide a way for individual investors to pool their money and invest in a broad selection of shares from a range of other companies, with the aim of reducing the risks of investing in individual shares.

Whatever you decide to do with your pension pot you don't have to stay with your current pension provider.

You can use the 'open market option' to shop around for the best product to suit you. However, if you used to make weekly payments to a collector, you have an 'Industrial Branch' policy.

As a result two annuities may be paid until the end of the guaranteed period. For some types of policy such as endowment policies and pensions , if you stop paying your regular premiums, the policy may have a reduced value that will be paid either when you die or at the end of the policy term, whichever is earlier.

The amount of tax-free lump sum available to you when you start taking your pension benefits at your selected retirement date. When the liabilities of an occupational pension scheme are greater than the assets.

The actual, or deemed, amount of pension savings made in a pension input period. For a money purchase pension scheme , it is the total of the contributions paid.

For many pension schemes, the PIP was aligned with the tax year, so it ran from each 6 April to the following 5 April.

From April all arrangements have a pension input period aligned with the tax year. A type of Money purchase pension scheme which offers a tax efficient way to save for retirement.

The legal owner of a plan or policy. The legal owner of a policy. A person who has the authority to make decisions surrounding assets or property on behalf of another party.

An option to help protect pension rights built up before 6 April , from the lifetime allowance charge. People with primary protection can continue to have contributions paid to their retirement plans and build up more benefits.

However, if you have benefits greater than your personal Lifetime Allowance , then you may have to pay some tax under the lifetime allowance charge.

A policy that will pay for some or all of the cost of private medical treatment, as long as the medical condition is covered by the policy. This refers to the insurance company who issued and is responsible for the administration of your policy.

The amount you actually get back may be higher or lower than the projected maturity value, depending on the investment returns and the period invested.

The amount you actually get back may be higher or lower than the projection, depending on the investment returns and the period invested.

This is the person who took out the policy and was the original owner of the policy. This does not need to be the life assured.

Any protected rights which existed on 6 April became non-protected rights, so are no longer subject to special rules. The part of your annuity bought with the value built up from payments the Government has put into your pension plan, if you chose to contract out see contracting out of the State Second Pension S2P.

The value built up from payments the Government made into your pension plan if you were contracting out of the State Second Pension S2P into a money purchase pension scheme.

Protected rights ceased to exist on 6 April and any protected rights funds which existed on that date became non-protected rights.

This is part of the Bank of England. It is responsible for the prudential regulation and supervision of financial institutions.

The proceeds of such policies are normally paid free from any further tax liabilities. LAPR was stopped from 6th April See also non-qualifying policy.

A document showing you the cost of insurance cover, a policy value or a projected value for a future point in time. The difference between the return that a fund earns on its investments and the return that you receive.

The difference represents the effect of expenses and other charges. Someone who has entered into a legal relationship a 'Civil Partnership' that is similar to a marital spouse.

Life insurance which pays out if you die during the time you are covered for. At the end of the term, you have an option to renew the cover.

With a repayment mortgage, you repay part of the money you have borrowed each month together with interest. At the end of the mortgage term, you will have repaid the money you borrowed in full and all the interest accrued throughout the term.

RPI is a measure of inflation. It tracks changes in the prices of a basket of goods and services, taking a large sample of retail goods including food, tobacco, household goods, transport fares, motoring costs and clothing.

An increase in the index means prices have on average increased. Pension policies that were taken out before June by self-employed people or employed people who were not in an occupational pension scheme.

An annuity may allow for the income you are receiving to continue to be paid to your spouse or dependants after your death, though usually at a lower level.

Two floors of a rented building in Essen served as the company headquarters: offices were on the first floor; the second story was used for assembly.

For almost six decades, she continued to play an active role in the company. The company headquarters moved to the "Bürgerheim" restaurant in Blomberg.

It is not until that part of the strong company moved back to Essen. Eisert revised the entire product range. Through a merger, sister company Phoenix Feinbau was created in Lüdenscheid — this marked the birth of the future Phoenix Contact Group.

Phönix Klemmen welcomed its first apprentice, Helmut Conrad. He remained in this role as of His brothers Jörg and Gerd join the company in the following year.

Over employees now work at the company's headquarters in Blomberg. The subsidiary in Switzerland marked the first in Sweden and the USA followed in the mids.

As of , Phoenix Contact is represented in over 50 countries. The company opened a subsidiary in China. Just two years later, the five story, 15, square meter "Innovation Center Electronics" opened, housing the company's Development, Marketing, and Sales departments.

The number of employees approached 10, The Phoenix Contact Germany sales subsidiary was established, with over employees in the field and in the sales offices.

Some examples of Phoenix Contact's industrial offerings are: [ citation needed ].

The office in Scotland responsible for issuing Beste Spielothek in Oggelshausen finden, the type of g rant of Beste Spielothek in Tellmer finden issued in Scotland if a person has died without leaving a will. You will need to upgrade your browser and enable JavaScript in order to use this part of our website. Tapered annual allowance is lower than the standard annual allowance and is based on the individuals level of taxable income within the tax year. Notary Public. An option to help protect pension rights built up before 6 April from the lifetime allowance charge.

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