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Combine your pensions

Ready to combine your pensions?
If you feel it’s right for you and have your details ready, go ahead.

What you need to know

Before you combine your pensions with us, consider whether it’s right for you. We can help you do this now. Here’s how you get the answers.

Why Combine with us?

One pension is easier. Plus, we look after you every step of the way.

Find out

Can my plans be combined?

Look at the plans you have and whether we can combine them.

See if you can combine


Check to see what you might be giving up if you combine with us, so you’re making the right decision for you.

Know the pros and cons

What do I need?

The details we need to know from you, plus what you do next to take control of your pension pots.

Understand the process


If you feel it’s right for you to combine your pensions, and you have your details ready, then you’re ready.

Combine my pensions

Pensions are a long-term investment. The retirement benefits you receive from your pension plan will depend on a number of factors including the value of your plan when you decide to take your benefits 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.