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Pensions

Deciding on what to do with a pension fund is a crucial decision for clients. We have a wealth of pension experience and within our pension proposition have a range of different product options to suit most clients’ retirement income requirements. We've captured everything you need on this page to point you in the right direction.

Personal Pension

The straightforward option with a low 0.25% service charge, with funds invested in our own Personal Pension fund. Including the option to switch to our Flexible Transitions Account later if desired.

Self-Invested Personal Pension (SIPP) Wrapper

Our Flexible Transitions Account SIPP wrapper has been given a
five-star SIPP rating by Moneyfacts for the last five years.

Drawdown Pension

Once clients are ready to start taking income from their pension fund, our range of Income Drawdown options gives them the flexibility they’ll need.

Pension Consolidation

Consolidating all pension funds into a single plan gives clients full control over their retirement fund. We have a range of low-cost investment choices, a flexible proposition, and we’ll also do all the work to transfer pension funds from other providers.

Pension Investment Management

We have a range of funds and investment options to meet all your client needs. From low cost risk rated passive funds, to Discretionary Fund Management through a panel of eight of the leading DFM providers.

Smoothed Investments

Our Flexible Guarantee Funds are accessible as a pension investment through the LV= Flexible Transitions Account, as part of our Smoothed Managed Fund range.


Retirement Planning

Retirement Pathfinder

Easily compose, model and personalise retirement options for clients and export the results in a useful report.

Literature Library

Search our online library and download documents to help you and your clients learn more about our products and services.

Funds Centre

Explore our wide choice of funds. Search, compare and analyse performance to help you make the right choice for your clients.


Retirement Desk

Our dedicated team of specialists are available to support all your business needs. Contact us to see how we can help.

Pension Servicing

View and manage your client portfolio in an easy-to-use online self-service, including valuations and online fund switching.

Suitability wording

Our template paragraphs have been designed so that you can use and adapt them to help construct your own suitability letters for clients.


Member benefits

Every client who is covered by one of our personal or business protection and retirement products automatically becomes a member of LV=. This means they are entitled to a range of added benefits and support.

Working with LV=

We’ve been providing financial stability to our customers since 1843 as Liverpool Victoria and we’re fully committed to the intermediary market. By working with us, you will get the support you can expect from a respected provider.

LV= Insights

We know your time is precious, that’s why we’ll help you keep on top of the latest industry news and regulations affecting your business.

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Contact us

Have a query? Speak to your usual LV= sales contact or call our dedicated Retirement Desk on 0800 085 0250.

Connect with us

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FOR UK FINANCIAL ADVISERS ONLY
LV=, County Gates, Bournemouth, BH1 2NF, UK