Help you to make the right decision. Pensions are often large sums of money that you may need to rely on for your lifetime, be confident you choose what’s right for you.
Confusion to confidence. We have over 100 years’ experience and will guide you through the advice process, and explain the pros and cons of the different options available.
We put your needs first. We’ll provide a personalised plan and recommendations based on your circumstances, needs and plans for the future.
Peace of mind. We’re strictly regulated by the Financial Conduct Authority and we’ll help you safely make the most of your money.
Here to help. We’ll be by your side each step of the way; research, recommendation, decision, application and ongoing support. We’ll explain things clearly in plain English and avoid jargon.

Our advice process

Our tried and tested process follows three simple steps

From confusion to confidence

We've been helping customers like you for over 20 years; we specialise in retirement advice

We usually only charge our fees if you decide to follow through on our recommendations.
We can arrange all sorts of retirement solutions to meet your needs including a guaranteed income for life (annuity), income for a fixed term (fixed-term annuity), flexible access to your money (drawdown), or a combination of these.
We use providers from the whole of market for lifetime annuities, enhanced annuities and fixed-term annuities.
We offer carefully selected products from a limited range of providers, this is known as ‘restricted advice’.
LV= is a name you can trust. We’ve been in business for over 175 years and are proud to be a mutual. What matters to you matters to us and depending on the product recommended, you may be entitled to LV= Membership and a range of member discounts.

We're also specialists in providing advice on these complex topics

Ready to get started?

Have a commitment free chat with one of our friendly advisers today

Start your conversation by giving us a little more information about your pension and retirement plans

Mon to Fri - 9am - 5pm

TextDirect: First dial 18001

We will record and/or monitor calls for training and audit purposes.

Looking for the best annuity rate without taking advice?

If you've already made your decision, we have just the service for you...

If you have already decided you want an annuity (a guaranteed income for life) and don’t need advice, then our Annuity Shop will help you make the most of your money.
We shop around the whole of the market for you to get the best annuity rate.
Enhanced annuity rates are available for medical conditions and lifestyle factors like smoking.
We do all the hard-work for you, we make sure you understand the options, we get quotes from all available providers, we find the best rate, and we liaise with companies to set up your new annuity.

Got a burning question? We might have already answered it below.

If you can’t find what you’re looking for, just get in touch and we’ll be happy to help.