supporting you - standard lifelibrary.adviserzone.com/b2b002.pdfsupporting you 5prospecting to...

Supporting youReady-to-Go Campaigns for Advisers

2 Supporting you

Workplace pensions

Now that auto-enrolment is embedded with over 7 million new people saving into a workplace pension the next tasks are to keep clients engaged with you and their plans and to maximise the relationships you have created.

Standard Life support for advisersYou’ve invested a lot in your workplace pension clients and we’re committed in helping support you to keep them and their workplace pension members updated and engaged with their plans, create the right opportunities to contact clients at the right time, with the right message and find new employers to work with.

Engagement, scheme administration, prospectingYou have access to member-facing engagement campaigns and materials available at no charge, on Adviserzone.

Now Standard Life provides you with campaigns providing you with timely opportunities to engage with your workplace pension clients.

The market for new workplace pension clients will change and evolve through the staging process so we’ve provided some targeted prospecting communications to help you find new clients, to support you and your business.

Client engagement − the right message at the right time

Supporting youThe total workplace engagement solution

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Member-facing campaignsClick to download your brochure and order form.

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http://library.adviserzone.com/gen1717a.pdf

http://library.adviserzone.com/gen1717a.pdf

Supporting you 3

Ready-to-Go-campaignsThe campaign materials shown in the brochure are Compliance approved and provided to you at no charge.

How to orderSimply ‘click’ on the campaign you’re interested in below to view the campaign material and download the email/letter templates. Email us to order posters and leaflets: [email protected]

Prospecting ¬ Campaign to accountants ¬ Campaign to charities ¬ Late stagers ¬ Secondary auto-enrolment prospecting

Administration ¬ Fee holiday ending ¬ New AE minimums ¬ Cyclical Automatic Re-enrolment Date (Triennial) ¬ Quarterly Investment Update

Member engagement ¬ Adviser education/presentations ¬ Get more from your workplace pension ¬ Gathering email addresses ¬ Get the most from your pension leaflet

Bespoke solutions, for you and your clientIf you need a more complex engagement programme, or some marketing support for your own business, the 56° consultancy team at Standard Life can help. From identifying objectives, through planning and delivery, to analysis of the results - we can design a solution that works for you.

¬ We know marketing. We’re a full service marketing and communications consultancy, with a multi-channel approach.

¬ We know finance. This is our background, and we’re at home in this unique and sometimes complex marketplace. But there’s no limit to our skills, so there’s no limit to who we can work with.

¬ We know you, and your client. We’ve been looking after workplace pension clients for many years, and have the experience and the expertise to help you help them. But since February 2016, we’ve also been supporting a number of advisers with their own marketing requirements. We’ll connect with you before we engage your customers and we’ll understand your challenges to find the right solutions.

We know how to release the power of the possible.Fees will apply for this service.

Next stepsIf you would like to speak to someone about your communication needs, contact your usual Standard Life Relationship Manager or email us at:[email protected]

Your communication options

The following campaigns provide sample wording that you may use when contacting clients to engage them with a specific message or provide your client with wording they can use with their workplace pension members.

This wording has been prepared as a general style and is for information only. You should satisfy yourself as to the appropriateness for your clients and ensure that it is kept up to date and meets your compliance requirements. The use of this general style is at your own risk.

4 Supporting you

Prospecting to AccountantsCommunication to accountancy firms who may act on behalf of their clients, in the selection/administration of workplace pension schemes.

Download ↓ B2B002a

Prospecting to Charities

Dear [Prospect]

You may be aware that due to auto-enrolment legislation, all workplaces need to have a pension scheme. I am contacting you because your clients may ask for help to choose a good quality pension scheme for automatic enrolment, and we can help you with this.

Support and solutions with confidence

[Adviser name] works closely with a number of pension providers such as Standard Life, a leading pension provider named Best Group Pension Provider three years in a row at the Corporate Adviser Awards in 2016, 2015 and 2014 and their 5-star Defaqto rated pensions are managed by experts with the following features:

¬ A range of pension options from Group Flexible Retirement Plans to Master Trust ¬ Support in assessing the workforce and calculate the cost of auto-enrolment ¬ Hassle free and fast online set-up in a few minutes ¬ Mandatory employee communications and on-going engagement support ¬ Access to a full range of investment options ¬ Interactive planning tools, to make it easier for members to plan their future ¬ Members can access their money at retirement online ¬ UK based phone support and online help when employers and their members need it ¬ An Independent Governance Committee which has reported their workplace pensions provide

members with value for money. Here are significant dates from The Pensions Regulator for 2017 to help you and your clients:

Employer size or other description Automatic Enrolment duty dateEmployers with less than 30 employees 1 January 2016 to 1 April 2017Employers without PAYE schemes From 1 April 2017New employers April 2012 to March 2013 From 1 May 2017New employers April 2013 to March 2014 From 1 July 2017New employers April 2014 to March 2015 From 1 August 2017New employers April 2015 to December 2015 From 1 October 2017New employers January 2016 to September 2016 From 1 November 2017

Next steps

I hope my letter is helpful should a client ask you for assistance with setting up their workplace pension scheme. If you would like to know more about Standard Life’s workplace pension schemes, please don’t hesitate to get in touch.

Yours sincerely,

Standard Life Assurance Limited is registered in Scotland (SC286833) at Standard Life House, 30 Lothian Road, Edinburgh EH1 2DH. Standard Life Assurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. www.standardlife.co.uk ©2017 Standard Life

Communication to charities without a current workplace pension scheme, describing Standard Life’s ethical fund range and options, which may be attractive to them.

Download ↓ B2B002b

Dear [Prospect]

Making ethical investments plays an important part in protecting your charity’s reputation. And it’s something that employees and donors care about too. So when it comes to providing your workplace pension, it’s important to make the right choice.


[Adviser name] works closely with Standard Life, a leading pension provider named Best Group Pension Provider three years in a row at the Corporate Adviser Awards in 2016, 2015 and 2014, with an Independent Governance Committee to ensure their pensions provide members with value for money. Standard Life also recognises the importance of providing a choice of funds to meet specific needs of companies like yours.

The Standard Life approach to ethical investing

It's now almost a decade since they launched their first ethical OEIC fund and offer all the benefits of stock market investment while respecting ethical principles and all Standard Life’s auto-enrolment pensions offer ethical investment choices for those who’d like more control of their investments.

Standard Life is also the only ethical fund provider to carry out an annual survey of ethical investor sentiment, to reflect their workplace pension clients’ concerns.

Managing risk for your members

Standard Life’s default investment options are managed by experts who aim to provide the best possible returns for a given level of risk, provide a wide range of risk-based lifestyle profiles and risk rated funds to reflect different investment styles and attitudes to risk.

Next Steps

If you are interested in ethical or values-based investment, here’s where you can download the Standard Life guide to Values-based investing. If you would like to know more about Standard Life’s workplace pension schemes and their ethical investment options, please don’t hesitate to get in touch.

Yours sincerely,


http://library.standardlife.com/b2b002a.doc

http://www.standardlife.co.uk

http://library.standardlife.com/b2b002b.doc


Supporting you 5

Prospecting to Charities Late StagersCommunication to companies who’ve not staged for auto-enrolment on time.

Download ↓ B2B002c

Secondary Auto-enrolment Prospecting

Dear [Prospect]

Have you missed your auto-enrolment staging date? Are you getting reminder letters from The Pension Regulator?

Don’t worry, we can help you get back on track and support with setting up your workplace pension scheme with Standard Life – one of the leading pension providers. One simple call to [Adviser name] and we will take care of the rest if you act quickly.


Some pension providers won’t accept companies who’ve missed or are late for their staging date but [Adviser name] works closely with Standard Life and we can have your workplace pension scheme in place in a matter of minutes, once we have all your details.

¬ Support in assessing the workforce and calculate the cost of auto-enrolment ¬ Hassle free and fast online set-up in a few minutes ¬ Mandatory employee communications and on-going engagement support ¬ Access to a full range of investment options ¬ An Independent Governance Committee which has reported their workplace pensions

provide members with value for money.

Next steps

I hope my letter is helpful. If you need assistance to set up your workplace pension scheme, please don’t hesitate to get in touch.

Yours sincerely,


Communications to help advisers where they suspect or know when a company is not happy with their current pension provider.

Download ↓ B2B002d

Dear [Prospect]

A strong, relevant and well-communicated benefits package not only helps employers make sure they get the pick of employees at recruitment, but can also help them retain happy, committed workers.

Your workplace pension scheme

When it comes to your current pension arrangements, is your message getting through about the great investment and support you make to your workforce, is it generating increased levels of appreciation and loyalty? Additionally, not all employers have had a good experience with auto-enrolment.

If these situations describe your situation, [Adviser name] can help you get your value message across to employees and set up a new Qualifying Workplace Pension Scheme arrangement within matter of minutes, once we have all your details.


We work closely with Standard Life who are experienced in managing the transfer of Qualifying workplace pensions schemes and their 5-star Defaqto rated pensions are managed by experts with the following features:

¬ Great defaults and a range of over 300 other funds your members can choose from ¬ Interactive planning tools, to make it easier for members to plan their future ¬ A simple and proven online process for members to access their money at retirement ¬ UK based phone support and online help for members when they need it ¬ On-going member engagement support for you to use at your workplace ¬ An Independent Governance Committee which has reported their workplace pensions provide

members with value for money.

Next steps

I hope my letter is helpful should you be thinking of transferring your workplace pension scheme. If you would like to know more about Standard Life’s workplace pension schemes or how [Adviser name] can help, please don’t hesitate to get in touch.

Yours sincerely,


http://library.standardlife.com/b2b002c.doc


http://library.standardlife.com/b2b002d.doc


6 Supporting you

Fee Holiday EndingCommunication to clients currently benefitting from the fee holiday promotion launched in 2016.

Download ↓ B2B002e

New AE Minimums

Email subject: Important information about your workplace pension scheme

Dear [Client name]

Your Standard Life workplace Pension scheme came with no Scheme Management Fees for a set period of time.

The ‘fee holiday’ will come to an end on [date] and the Scheme Management Fees will be collected using the direct debit mandate signed when your scheme was set up. Standard Life will email you to confirm the details nearer the time. The Scheme Management Fee is not VAT payable and is usually tax deductible as a valid business expense.


You made the right choice to work with [Adviser name] and Standard Life to support the retirement plans for your members. Throughout 2017 the experience you and your members have with Standard Life will evolve:

¬ Group Pension Zone, your administrator website, will be upgraded and improved to make it even easier for you to manage your scheme.

¬ They’re working with payroll providers to enable their platforms and ours to work together, this will allow pension joiners and payments to be automatically sent to Standard Life as part of the payroll process – depending on your payroll provider, this could save you time.

¬ Providing good retirement outcomes is vital. Standard Life is working hard to improve support to you and your members and you will see improvements to online planning tools and much more throughout 2017.

¬ You’ll receive regular information to keep you up-to-date with what’s new with Standard Life and the world of work and finance, to help support you and your business.

Now your workplace pension scheme is established it’s time to think about regular engagement with members, to help them get the most out of their pension. [Adviser name] have been delivering expert financial planning seminars and engagement programmes for many years, offering an independent view on financial issues that may affect the decisions your members need to make to protect their family and finances.

Next Steps

If you have any questions about this email, would like to talk to us about member engagement or have any other queries about your workplace pension, please don’t hesitate to get in touch.

Yours sincerely,


Communication to employers advising of the next stage of auto-enrolment with changes to minimum contributions and how members currently paying the minimum can be helped.

Download ↓ B2B002f

Dear [Client]

As part of pensions reforms, the minimum contributions for auto-enrolment will be changing in 2018. For members currently contributing at the minimum level, this step-change may be a shock to their take-home pay, which could result in them opting out of the pension altogether.

Preparing your members for change

[Adviser name] can help impacted members adapt to this change by explaining the benefits of gradually increasing their contribution level now to lessen the effect of a sudden decrease in take-home pay, whilst keeping them engaged with long-term planning for their future.

Minimum contribution schedule

For the purposes of auto-enrolment pension contributions are based on ‘pensionable earnings’ defined as the gross earnings on which contributions to the scheme are payable.

The table below shows the schedule of future contribution changes. The total minimum contribution must be made and the employer must pay at least the percentage shown, but they can choose to pay more or the full total amount.

Payment Method Now – 5 April 2018 6 April 2018 – 5 April 2019 6 April 2019 onwards

Employer Minimum

Employee Minimum

Total Minimum

Employer Minimum

Employee Minimum

Total Minimum

Employer Minimum

Employee Minimum

Total Minimum

Basic Pay 2% 1% 3% 3% 3% 6% 4% 5% 9%Total Pay 1% 1% 2% 2% 3% 5% 3% 4% 7%Qualifying Band earnings 1% 1% 2% 2% 3% 5% 3% 5% 8%

Other Pay definitions 1% 1% 2% 2% 3% 5% 3% 5% 8%

Education and engagement solutions

[Adviser name] can provide a financial planning seminar to help your members understand and plan ahead for these changes, enabling them to make informed decisions about their retirement goals and save enough to provide the right retirement income for them. The seminar can be supported by posters and emails to help you promote the event to your members.

Next steps

I hope my letter is helpful. If you have any questions about the contribution changes or would like more information about our financial planning seminars and support for members, please don’t hesitate to get in touch.

Yours sincerely,


http://library.standardlife.com/b2b002e.doc


http://library.standardlife.com/b2b002f.doc


Supporting you 7

New AE Minimums Cyclical Automatic Re-enrolment Date (C.A.R.D)Communication to employers 4 months prior to their 3 year anniversary, that those employees who originally opted out will be automatically re-enrolled into the scheme.

Download ↓ B2B002g

C.A.R.D: Employee Facing Employer Letter

Dear [Client]

As you may be aware, auto-enrolment legislation requires you to check employee eligibility every three years.

Get ready for your 3-year review

Your workplace pension scheme staging date was [Date] so employees who opted out of your workplace pension three years ago and are eligible on your re-enrolment date should be automatically re-enrolled into your workplace pension scheme in [Date].

Now your workplace pension scheme is established it’s also time to think about regular engagement with current members, to help those already in your plan get the most out of their pension.

[Adviser name] have been delivering expert financial planning seminars and engagement programmes for many years, offering an independent view on financial issues that may affect the decisions your members need to make to protect their family and finances.

Next steps

There are just a few simple steps to follow for a successful continuation of your scheme and we can guide you through the process and timeline.

If you have any questions about the automatic re-enrolment process or would like details about the member engagement we offer, or you have any other queries about your workplace pension, please don’t hesitate to get in touch.

Yours sincerely,


Copy for advisers to supply to clients, to educate selected employees about the re-enrolment process and forthcoming communication from Standard Life. Please note this campaign may not be appropriate for Trust schemes.

Download ↓ B2B002h

Dear [Employee name]

You’ll be automatically re-enrolled into the company pension scheme on [Date]A workplace pension is an important benefit that can help you save money for a better retirement but when you were auto-enrolled into the company pension scheme, you chose to opt out.

To help as many people as possible take advantage of this benefit, we are required by law to check every three years if you’re eligible to join the scheme and, if you are, automatically add you back in.

Why it’s good to save into a workplace pensionWith pensions, you save more than you think:

¬ We pay into your pension ¬ If you pay in, the taxman tops it up – adding at least £1 for every £4 you contribute from your

take-home pay ¬ The money invested into your plan could grow ¬ You can now access your pension savings, with no need to buy an annuity unless you want one

What if I don’t want to be part of the company pension? Wait until you’ve received the letter from Standard Life letting you know you’ve joined the company pension which will tell you how to opt out of the pension scheme. You’ll have one month to do this. If you opt out within this period, we’ll refund any payments you may have made. If you leave the company pension or stop making payments after the one month opt-out period has ended, we normally can’t refund your payments and the company payments will stop.

Please note you cannot opt out until you have been re-enrolled.

What happens next if you are eligible? ¬ Standard Life will send you details about the company pension and confirmation you have been re-

enrolled ¬ Read the letter carefully and if you still wish to opt out of the company pension scheme, follow the

instructions on how to do thisMore informationIf you have any questions about being re-enrolled or you would like information about the company pension scheme now, please contact [Name and contact details].

Yours sincerely,


http://library.standardlife.com/b2b002g.doc


http://library.standardlife.com/b2b002h.doc


8 Supporting you

Quarterly Investment UpdateA communication for advisers, enabling them to contact their clients every quarter with an update on the performance of their scheme default fund.

Download ↓ B2B002i

Adviser Presentation: Client facing

Dear [Client]

One of the key aspects of your Standard Life workplace pension is their market leading investment solution, giving your members an award-winning default investment option and access to over 300 individual funds to choose from.

Where your members' pensions are invested is very important. It has a big impact on how much they’ll have in their pot when they retire and how long this will last, so we are committed to keeping you and your members updated on how your chosen default investment option is performing.

Key goals of your default investment option

A good default is a simple choice that meets most member needs, expectations and attitudes to risk, delivering good outcomes at retirement by aiming to outperform the market. Together with robust scheme governance to reassure you and your members are vital and why you chose Standard Life as your workplace pension provider.

Your investment option update

Standard Life publishes a quarterly performance report for your default investment option. I have reviewed the latest report for your pension scheme and [enclose a copy/summary of the report/would like to arrange a call to talk you through this].

Next steps

To arrange a call to discuss the report and performance of your scheme default investment option or any other aspect of your workplace pension, please don’t hesitate to get in touch.

Yours sincerely,


Download ↓ B2B002j

Dear [Client]

Now your workplace pension scheme is up and running, it’s time to think about regular member engagement. This is important because millions of people in the UK aren’t saving enough to have the income they want in retirement.

For many years [Adviser name] have been delivering expert financial planning seminars for people, offering an independent view on financial issues that may affect the decisions your members need to make, to achieve their goals, improve their income and protect their family and finances.

Pension seminars

The seminars are generally held in your workplace with a relaxed and informal atmosphere, putting attendees at ease. Each seminar covers the key aspects of the topic members should consider. Session topics are as follows:

[Topic 1] [Topic 2] [Topic 3]

[Topic 4] [Topic 5] [Topic 6]

All seminars are supported by posters and emails to help you promote the events to your members.

Next steps

If you would like to know more about how [Adviser name] can help your people understand how to make the most of their workplace pension, please don’t hesitate to get in touch.

Yours sincerely,


A communication to promote adviser workplace workshops.

http://library.standardlife.com/b2b002i.doc


http://library.standardlife.com/b2b002j.doc


Supporting you 9

Adviser Presentation: Client facing Adviser Presentation: Member facingEmail for employers to send to members, about the adviser presentation they have arranged in the workplace.

Download ↓ B2B002k

A short talk about your financial future

Email subject: Now’s the time to get your future sorted

Dear [Member]

You’re already helping to get yourself a better future because you’re a member of your company pension and the choices you make can have a big impact on how much you get back – and of course, the lifestyle you enjoy when you retire.

With pensions now offering flexible access if you’re aged 55 or over, you have more choice, control and responsibility over your pension savings than ever before. To help you, we have arranged for an expert to come and talk about how you can make the most of your company pension.

Meet the expert

[Adviser name] are the adviser to our company pension and they will be holding [a/some financial planning presentation/s] to help you plan for your future.

A qualified expert will help you understand exactly what important things you need to think about before you make any decisions and there’ll be an opportunity to ask any questions you may have at the end of the event. The presentation will cover [List particulars for content].

How do I sign-up?

The presentation will be held on [date, time and location] if you would like to attend, please let [Name and contact details] know.

Yours sincerely,



To hear more about your pension and planning for life after work, come along to a presentation:

B2B002l_1

Employer Employer


To hear more about your pension and planning for life after work, come along to a presentation:

B2B002l_2

Employer Employer

Note: If you require either your and/or your clients logo to be added to the poster, you’ll need to supply it to us in the following format. If you don’t, this may cause a delay in the delivery of your items:

¬ Maximum Quality (press quality) file created as a Vector Image

¬ Saved in any of the following file formats: JPEG, EPS, TIFF

¬ Any text within the Logo should be outlined or converted to Paths (this removes any fonts that may appear)

¬ The background of the logo should be transparent

Email your order to: [email protected]

B2B002l_1 B2B002l_2

http://library.standardlife.com/b2b002k.doc


10 Supporting you

Get More From Your PensionCommunication to employers who staged six months ago, reminding them of the great things that comes with a Standard Life pension.

Please note this campaign may not be appropriate for Trust schemes.

Download ↓ B2B002m

Email Address Gather

Dear [Client]

Your workplace pension scheme has been running for some time and I hope you are pleased with the relationship and support you have with [Adviser name].

Get more from your pension

The pension you chose from Standard Life comes with features and benefits your members will find useful and help them take control of their pension plan, such as:

Employeezone – This is your member’s personal account with Standard Life. It’s here where they can view their long term savings with Standard Life and where they can:

¬ See their current plan value ¬ View an illustration of their plan value at retirement ¬ See where their pension plan is invested, see how it’s performing and change their investment option ¬ Make a one-off payment into their pension with a debit card ¬ Update their personal details

The Standard Life UK app – The way your members can access their pension plan and manage their retirement savings on the go via laptop, tablet and most mobile phones.

MoneyPlus – Your members can sign up to get the latest news and updates on the world of finance with a monthly email newsletter from Standard Life.

Next steps

To help your members know about and get the most from these benefits, we can supply posters and emails to help you raise awareness.

If you would like to know more about how [Adviser name] can help your people make the most of their workplace pension, please don’t hesitate to get in touch.

Yours sincerely,


Members get the most from their workplace pension when they get all the education, updates and general information Standard Life produces.

We live in a digital world and if we don’t have an email address members miss out. This campaign is aimed to help advisers encourage employers to contact their plan members to raise awareness of what's available from Standard Life and encourage them to register their email address in Employeezone.

Please note this campaign may not be appropriate for Trust schemes.

Download ↓ B2B002n

Dear [Client]

Now that your workplace pension scheme is up and running, I would like to talk about how important it is, to have your members fully engaged with their plan and getting the most of the engagement Standard Life offers members, by email.

Are your members missing out?

Your members have access to Employeezone, their personal account with Standard Life. It’s here where they can manage their pension savings by changing their investments, consolidating other plans and making one-off payments using a debit card. It’s also here where members can add their home email address and select to receive helpful information such as:

¬ MoneyPlus – A monthly email newsletter full of news and retirement savings tips to keep members informed. The email also gives members access to the MoneyPlus website.

¬ Preparation for retirement – from age 50, Standard Life send out targeted emails with the right information and tools at the right time.

¬ Retirement roadshows – Standard Life’s roadshows are held throughout the country. ¬ Accessing the pension – From age 55 members can start to access their pension savings from their

Employeezone account.

Help your members get more

These great member benefits show the importance of an email address in helping your members get the most from their pension. To help you tell this story, we can provide you with campaign material for you to promote Employeezone and the importance of registering an email address to your members.

Next steps

If you would like to know more about how [Adviser name] can help your people get all the information available, please don’t hesitate to get in touch.

Yours sincerely,


http://library.standardlife.com/b2b002m.doc


http://library.standardlife.com/b2b002n.doc


Supporting you 11

Email Address Gather Get the most from your company pensionA leaflet outlining the Standard Life education and support available to members of your clients workplace pension plans. This leaflet can be used as a hand-out at your presentation or you could provide your clients with copies for new-joiner inductions.

Helping you get the most out of your Workplace pension

The starting point — your pension websiteHere you’ll find information about your company

pension and interactive planning tools to help you make the right decisions and plan for life after work.

Ask your employer to give you the website address

If you need help, you can speak to someone tooCall us on 0800 606 0057

(Mon–Fri, 9am to 5pm). Calls may be monitored/recorded, call charges will vary.

The Retirement Tool ¬ Shows you how much retirement costs by selecting

the things you’d like to do when you retire ¬ Find out how much you might want as a

retirement income

The Retirement Planner ¬ Helps you work out how much your pension

could be worth when you stop work ¬ Shows you how much you may need to save

now, to reach your target retirement income ¬ The tool gives you ideas in how to give your

pension a boost

The Retirement Pathfinder ¬ This tool helps you explore the pension income

options available ¬ Gives you ideas on how to use your pension pot ¬ Full guides available for each option

The Retirement Calculator ¬ Quickly see what your pension can do for you ¬ Get a free, personalised report on your options ¬ When you’re ready, use the tool to access your

pension

Keep tabs on your pension

News and retirement saving tips

Get ready to take your pension

Employeezone — your personal, secure online account with Standard Life

¬ See what your pension value is what it might be worth when you retire

¬ Check your payments and make top-up payments ¬ Review where your money is invested and how your

funds are performing ¬ Manage your money on

the go. Download the Standard Life UK app to manage your pension on your tablet or mobile

www.employeezone.co.uk

MoneyPlus — savings news website and emails to keep you informed

¬ We want to help you look after yor life savings so you’re ready for what the future brings

¬ Keep up-to-date with the latest retirement news and expert opinion or sign-up to receive email updates

¬ Take control and sign-up to help you make informed decisions about your future

www.moneyplusblog.co.uk

Standard Life Assurance Limited is registered in Scotland (SC286833) at Standard Life House, 30 Lothian Road, Edinburgh EH1 2DH. Standard Life Assurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.B2B002o 0217 © 2017 Standard Life, images reproduced under license

Taking your pensionWhen the time’s right for you and from age 55, you can start to take your pension and Standard Life are here to help:

¬ Online, you can use the tools to look at your options, read guides and get your free personalised report. Then login to access your money online or speak to a Standard Life expert

¬ From your pension website, sign-up to a free Standard Life retirement roadshow – these are held across the country

¬ You will receive emails from Standard Life on the run-up to retirement, with the right information at the right time for you

www.standardlife.co.uk/readywhenyouareNote: Email your leaflet order to [email protected]

Please note that this leaflet cannot be branded with any other logos.

B2B002o

56 is a brand used by Standard Life Assurance Limited. Standard Life Assurance Limited is owned by the Phoenix Group and uses the Standard Life brand under licence from the Standard Life Aberdeen Group. You can find more information about Standard Life Aberdeen plc’s strategic partnership with Phoenix at www.standardlife.com/partnership. Standard Life Assurance Limited is registered in Scotland (SC286833) at Standard Life House, 30 Lothian Road, Edinburgh EH1 2DH. Standard Life Assurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. www.standardlife.co.ukB2B002 0918 © 2018 Standard Life Aberdeen, reproduced under licence. All rights reserved.

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