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Whether you’re starting up or winding down, we’re here to help.

Simply tell us where you are in your journey - and we’ll take things from there.

My retirement journey

Why Royal London

  • Trusted by our customers

    Join around 2 million people who trust us (based on Royal London policies in 2024).

  • We share our profits

    In April 2026, we shared £199 million of our profits with approximately 2.4 million eligible customers. Please note ProfitShare is not guaranteed every year.

  • Trusted provider since 1861

    We’ve been helping people to help themselves for more than 150 years.

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We're making customer ownership meaningful

From voting on the way we run our business, to aiming to boost your pension savings through ProfitShare.

More about customer ownership  Learn more about customer ownership

Our pension products

Find tailored advice that's right for you

We recommend talking about the different types of pension available with a professional financial adviser. They can give you personalised advice and recommendations to match your individual needs and circumstances.

If you don't already have an adviser, there are a number of directories that you can use to search for one in your area and according to their specialisms.

Find a financial adviser   The value of financial advice  

Learn about pensions

Pension buy-ins and buyouts: What you need to know

Some pension schemes decide to insure their members’ pensions. They usually do this in two steps: first a buy-in, then a buyout. Together, these steps help make sure that the members pensions are secured for the long term.
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How your pension is taxed

This guide looks at the tax breaks available when you’re building up a pension pot and what happens when you start to take money from your pension.
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Pension tax relief

Pension tax relief can seem like an alien concept, but it pays to make the most of it.
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How to boost your pension pot

Discover how to increase your pension contributions to help boost your pension pot and fund your retirement.

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Deferring your State Pension

If you defer claiming your State Pension you could increase the payments when you need it. Find out more about how deferring works.
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Should I transfer my pensions?

The key things to think about if you want to transfer your pensions from one pension company to another.
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What happens to my pension when I die?

Depending on the type of pension, when you die your partner, spouse or other beneficiaries may be entitled to your pension. Learn what will happen to your pension with our guide.
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State Pension age increase

From April 2026 the state pension age will start to increase to 67. The rise will be phased over a two-year period completing April 2028. Learn how this could affect your pension.
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Pensions Explained: your questions answered

Find the answers to some frequently asked questions about pensions.
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Are pensions invested?

The money saved into your pension is invested by your provider to help fund your retirement. Learn more about how it is invested, where and the risk involved with this.
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Pension allowances explained

There are limits on the amount you can invest in pension plans without being subject to a tax charge. These limits are known as the annual allowance, the tapered annual allowance, the money purchase annual allowance.
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Pension Credit

A guide to what Pension Credit is to help you understand if you qualify, what you might get and how to apply.
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How to check your State Pension forecast

For most people, the State Pension is an important part of their income in retirement . But our research shows that only half of pensioners who get the new State Pension (those who claim their State Pension from April 2016), got the full amount.
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Pension Transfer Charges and Fees Explained

Before transferring a pension, it’s important to understand the different charges you’ll pay. Here we look through what those charges are so you can see if a pension transfer is right for you.
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Pension Transfers Explained

A pension transfer is the process of combining a pension from one or more providers into another pension plan.
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Benefits of making a one-off pension contribution

Whether you’ve saved some extra money over the last year or you’ve just received a bonus, there are many reasons for paying a lump sum into your pension.
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Can you leave a pension to your children?

Secure your family's future: Discover how to pass on your pension to children without substantial taxes. Learn about inheritance options today
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What is a pension & the different types

What is a pension? Learn its importance & how it secures your financial future. Visit Royal London today to find out more

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Frequently asked questions about your Protected Pension Age options

Here you will find answers to your frequently asked questions about your Protected Pension Options (PPA) if we have contacted you regarding a pension transfer with a PPA.
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Why you should save into a pension early

Enjoying a comfortable life once you hit retirement age is an aspiration for many of us. One of the ways you can plan for this is to start saving for a pension.

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State Pension: What It Is & How It Works

The State Pension is a regular payment most people can claim from state pension age. Find out what you’re entitled to, and when you can start claiming.
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Pension basics

Find out the answers to your pension questions - how do they work, what is the state pension, tax relief and how transfers work.
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Is your pension protected?

While it’s rare for people to lose their pension, or get less than expected, if things go wrong, it’s good to know what protection is in place for your pot.
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Glossary of pension terms

Get to grips with pensions and retirement jargon with our handy glossary of some of the most frequently used pensions terms.
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Are you entitled to any unclaimed money?

Billions of pounds are lying unclaimed in pensions, policies, accounts, investments and prizes across the UK. Is any of it yours?
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How pensions work and how to make the most of them

Whether you're starting your first pension or you've been saving for retirement for a while, our guides can help you understand what pensions are, how they work, and how to make the most of them.

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