Scottish Life 

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Scottish Life for advisers

We are a specialist pensions provider and are part of the UK's largest mutual life and pensions company, Royal London. We believe in independent financial advice and don't sell our pensions direct.

More news and articlesLatest updates

An overview of the (Draft) Taxation of Pensions Bill

The draft bill introduces a brand new retirement option, re-instates the ones they forgot about and restricts tax relief on contributions made by some individuals who are taking benefits.

Flexi-access drawdown - the latest FAD

From 6 April 2015 there will be a new form of income drawdown available alongside existing capped drawdown and short-term annuities. We look at the rules surrounding each.

UFPLS explained

The option from April 2015 to take an Uncrystallised Fund Pension Lump Sum (UFPLS) is subject to certain conditions. We explain in detail here.

Our response to the response

The Treasury has published the decisions it has made as a result of its consultation on "Freedom and Choice in Pensions".

Retirement view blog

Fiona Tait

Fiona Tait
Business Development Manager

"If they told you to jump in the river, would you do it?"

26 June 2014
This was the inevitable maternal response whenever I tried to avoid getting into trouble by blaming a friend. Likewise if retirees decide to buy a financial product after taking guidance, it will be their decision and the consequences will be their responsibility.

Investment view blog

Lorna Blyth

Lorna Blyth
Investment Development Manager

Governed Portfolios now have a five year track record

31 January 2014
In the last five years we have seen a massive rise in the number of advisers recommending centralised investment propositions. Lorna Blyth looks at the benefits for clients, how advisers can ensure they meet FCA requirements in this space and what the future for CIPs could look like.

New in Technical Central

2014 Budget Summary

How will this year's Budget affect you and your clients?

Fixed protection 2014

Fixed protection 2014 maintains the lifetime allowance at £1.5 million after 6 April 2014 when it reduces to £1.25 million.

For professional advisers only