Frequently asked questions

If you leave your employer you can:

• Continue to make contributions into your plan. Remember that the contributions your employer makes will stop.
• Stop making contributions and leave the retirement savings you've built up invested in the plan.
• Transfer the retirement savings you've built up to another pension plan. Transferring may not be in your best interests as you could lose valuable benefits which can’t be replaced. You should speak to a financial adviser before you make a decision.

Your plan can provide support to your chosen beneficiary in the following ways:

• The value of your plan will normally be paid as a tax-free lump sum.
• If your employer has added extra life assurance to your plan, the appropriate amount will be paid out as well.

If you've not chosen beneficiaries or would like to change your beneficiary details, please contact us.

Your plan has the flexibility to let you increase, decrease, stop and restart your contributions. However, before making any changes to your regular contributions you need to speak to your employer. They'll tell you what changes you can make and when you can make them.

You'll also need to consider what effect changing your contribution level may have on the contributions from your employer.

If you have retirement savings built up with a previous employer, you can:

• Transfer the value of your existing retirement savings into this plan. Transfers are complicated and may not be in your best interests as you could lose valuable benefits which can't be replaced. You should speak to a financial adviser before you make a decision.
• Contribute to both arrangements so long as you don't exceed the annual allowance.
• Stop making contributions and leave the plan invested.

We'll apply a charge for managing your plan.

Your illustration will show you the charges that will apply to your plan, when they will be deducted and how this may affect the value of your retirement savings over its term.

If you're absent from work as a result of sickness or injury, you'll normally continue making contributions into the plan. If your employer makes contributions into the plan, ask them what would happen to these contributions.

While on maternity leave, you can continue, reduce or stop your contributions - the choice is yours. And when you return to work, you can easily increase or start them back up again. If your employer makes contributions into your plan on your behalf, ask them what would happen to these contributions during maternity leave. Remember that reducing or stopping your contributions will reduce the amount you get back when you retire.

You can opt out of the plan. Your plan documents will tell you how and when you can do this.

As long as you opt out of the plan within your opt out period we will arrange for your contributions to be refunded to you. If you don’t opt out, your plan will continue.

You can find our contact details in the Contact us section.

Providing our customers with excellent service is very important to us. But if there's anything you're unhappy about, talk to our Customer Service team who will try their best to resolve the matter.

If you want to make a complaint, write to our Customer Relations team at:

Royal London
PO Box 413
Royal London House
Wilmslow
SK9 0EN

If you're not satisfied with our response you can complain to The Financial Ombudsman Service at:

Exchange Tower
London
E14 9SR

Telephone: 08000 234 567.

Complaining to the Ombudsman won't affect your legal rights.

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