Your client’s needs can change throughout their retirement. Our Personal Pension offers the flexibility to meets those needs. Your client’s investment will sit within our Core funds range, where they’ll access passive and active funds, our unique Smoothed Managed Funds, and ESG funds.
The key features of our Personal Pension include:
Personal Pension:
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Servicing
- Low wrapper charge – 0.2% on investments up to £700,000 and 0% above. A minimum charge of £195 per annum applies.
- Over 200 insured funds – across all key market sectors.
- Built-in smoothing mechanism - protecting your clients from sudden market turbulence.
- Access to our smoothed Flexible Guarantee Funds.
- Investment management charges – from 0.07%.
- Range of passive funds – from leading fund managers, including Vanguard, LGIM and Blackrock.
- Risk-rated funds – over 100 funds risk-rated by Distribution Technology.
There are some important things you should know about our Personal Pension:
- It’s only available to new customers.
- Your client must start their plan with a single premium, or a transfer of £30,000.
- To continue to benefit from our low fees, your client must stay invested in our insured funds.
- Investment management charges apply in addition to the annual service charge.
Investment options
LV= Core funds
Our Core funds offer a straightforward and low cost option. Your client must invest in our Core funds to take our Personal Pension – they can then add further options to suit their needs.
- Minimum investment of £30,000.
- 200+ active and passive funds – across key market sectors.
- Your client can invest in up to 20 funds, at any one time.
- Your client can switch funds at any time.
Flexible Guarantee Funds
As part of our Core funds range, our Flexible Guarantee Funds provide a smoother investment journey for your clients. Here clients get a with-profits investment.
- Add a capital guarantee option to secure growth, at any time.
- Access three multi-asset funds – Cautious Series 2, Balanced Series 2 and Managed Growth – all with different risk profiles.
- Clients can change their fund option at any time.
LV= Core funds
Our Core funds offer a straightforward and low cost option. Your client must invest in our Core funds to take our Personal Pension – they can then add further options to suit their needs.
- Minimum investment of £30,000.
- 200+ active and passive funds – across key market sectors.
- Your client can invest in up to 20 funds, at any one time.
- Your client can switch funds at any time.
Fund management
Active funds
We have a selection of actively managed options – investing in a mix of asset classes and geographical sectors. They’re risk-rated, allowing you to match your clients to the appropriate level of investment risk. Our Core funds and Smoothed Managed Funds feature active funds.
Passive funds
We have a range of passive funds as part of our Core funds. They include pure single index trackers, blended funds (with 2+ index funds), and those with an element of fund manager intervention.Active funds
We have a selection of actively managed options – investing in a mix of asset classes and geographical sectors. They’re risk-rated, allowing you to match your clients to the appropriate level of investment risk. Our Core funds and Smoothed Managed Funds feature active funds.
Blended solutions
We offer flexibility when it comes to your client’s retirement income. That’s because we understand that nearing retirement brings a different attitude to risk.By blending multiple retirement products in a single account, you can offer a tailored recommendation to your client. This gives the best level of security and flexibility – meeting your clients’ needs now, and for years to come.
Retirement Pathfinder Tool
Exploring the best retirement solution for your client has never been easier. Our Pathfinder tool helps you work with clients – present their options and map out their retirement income.Gain an impartial snapshot of your client’s retirement future – with visual scenarios to help them understand your proposition. Once you’ve input some basic details, you’ll get a PDF report that you can share with your client.
LV= Doctor Services
- GP access 24/7 – available by phone or video, up to 5 times a year.
- Prescription services – without the need to visit a GP.
- Second opinion – check a diagnosis and get treatment advice.
- Remote physiotherapy – free remote sessions, with a bespoke plan.
- Psychological services – free remote sessions, including counselling and Cognitive Behavioural Therapy.
- Health MOTs – 25% discount, with an overall health assessment that identifies health risks.
Added benefits for members
When your client invests in our Personal Pension, they can opt to become a member. This unlocks a host of benefits to your client, at no extra cost:
- Member Care Line – exclusively for members and their family, the Member Care Line gives free access to nurses, counsellors and legal advisers.
- Discounts – your client will be entitled to discounts on general insurance products provided by LV= General Insurance Group, a subsidiary company of Allianz Holdings plc.
- Member support fund - if your client finds they're struggling to make ends meet, they may be eligible to receive a financial helping hand.
- Voting rights – your client will have the right to vote in our Annual General Meeting, once they’ve been a member for 12 months.
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