We use cookies to make sure your experience is as good as it can be. If you’re happy with that, just continue using the site. Learn more about cookies.

skip to main content


Deciding on what to do with a pension fund is a crucial decision for clients. We have a wealth of pension experience and our 5-star rated pension has a range of different product and investment options to suit most clients’ retirement income requirements.

Plus, our new three tiered pricing structure is simple and flexible, so you can mix and match to suit a broad range of needs.

  • Core - the foundation of our pension, with a wide range of active and passive insured funds including our range of risk rated Smoothed Managed Funds - 20bps
  • Selected - our chosen partnerships including eight leading DFMs for bespoke investment choices - 25bps
  • Extended - additional DFMs and commercial property for enhanced investment freedom – 30bps
Personal Pension

Our Core proposition provides a straightforward personal pension with a low 0.2% wrapper charge for investments up to £700,000, and 0% above (min charge of £195 p.a. applies). Funds invested in our range of over 200 insured funds, including passive and active options and our unique Smoothed Managed Funds with built in smoothing mechanism to protect against market turbulence.

Self-Invested Personal Pension (SIPP) Wrapper

Our full SIPP is accessible through our Selected and Extended ranges, providing a wealth of in-house administration experience and rigorous investment governance.

Drawdown Pension

We have a comprehensive range of decumulation options across Core, Selected and Extended for when clients want to start taking tax free cash and income from their pension fund. This includes Flexi Access Drawdown (with no initial charge) Guaranteed Income Drawdown and Fixed Term Annuity.

Pension Consolidation

Consolidating all pension funds into a single plan through our Core, Selected & Extended ranges gives clients full control over their retirement fund. The ranges provide choices of low-cost, smoothed & bespoke investments, a flexible proposition, and we’ll also do all the work to transfer pension funds from other providers.

Pension Investment Management

Our three tiered structure gives your clients access to a wide range of funds and investment options to meet all you’re their retirement income needs. From low cost risk rated passive funds, to Discretionary Fund Management through a panel of eight of the leading DFM providers.

Smoothed Investments

Available through our Core range, our risk rated Smoothed Managed Funds provide a unique smoothing mechanism designed to help protect clients’ funds against market turbulence. The three funds are managed to our mandate by Columbia Threadneedle.

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.

Our ratings

Our Pension wrapper (Flexible Transitions Account) has received a 5* Moneyfacts rating every year since the ratings launched in 2015. We also offer an excellent level of service for our Pension as reflected by the Defaqto Gold Service Rating.

Moneyfacts 2019 SIPP 5 star logo
Moneyfacts 2015 - 2019 SIPP 5 star logo

Member benefits

Every client who is covered by one of our personal or business protection and retirement products automatically becomes a member of LV= (excludes Equity Release products). 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.

Icon image of a phone
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

Vimeo logoLinkedIn company logoTwitter icon showing a bluebird

Liverpool Victoria Financial Services Limited, registered in England with registration number 12383237. County Gates, Bournemouth, BH1 2NF, UK