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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. It may be in your best interest to see independent professional advice. Get advice. Retirement centre.

Retirement planning. Click to search for a different policy from the list. Quick links. 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.

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.

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.

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