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Choose a pension or annuity from Scottish Widows and you’ll really make the most of your retirement planning.


Retirement Account

  • Start from £200 per month, or a £10,000 single payment
  • For Retirement Planning and/or Retirement Income
  • Wide range of investments
  • Simple and transparent charging

Speak to an adviser

Stakeholder Pension

  • Start from £20
  • One of the easiest and most flexible pensions
  • Get tax relief on your payments
  • Low annual charges and no set up charge

Contact us


  • Annuities for retirement Income
  • Start from age 55
  • Simple and easy to understand
  • Health and lifestyle factors can be taken into account

Apply today

Are you ready to retire?

Retirement planning

Follow our 5 steps to retirement to help you choose the retirement option which is right for you.

Your pension options

From April 2015 the pension options are changing.

Use the tools and read the interactive stories to help find which option is right for you.

Our retirement products

Scottish Widows offers the following retirement options:

The level of income you receive from your pension plan will depend upon a number of factors including the value of the plan when you decide to take your pension, which isn’t guaranteed and can go down as well as up. The value of your plan could fall below the amount(s) paid in.