The Scottish Widows Civil Service partnership pension account is a Stakeholder pension plan.

Stakeholder pensions are a low cost, flexible, tax-efficient way to save for retirement. The value of the tax benefits of a pension plan depend on your individual circumstances. Your circumstances and tax rules may change in the future.

Your pension cannot normally be accessed until you reach age 50. From 6th April 2010, the minimum age at which you can normally start taking your pension will increase from age 50 to 55.

Charges, terms and limits may change but only to the extent, if any, allowed for Stakeholder Pension Plans.