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.

You normally can start taking your pension at any age from 55 - 75. You may be able to defer taking your pension by transferring out of the scheme before age 75.

Remember, the income you receive from your pension plan will depend on a number of factors, including the final value of your plan. The value isn't guaranteed and can go down as well as up and tax rules may change.

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