Worried about passing away before the end of the plan?
You can choose to provide your spouse, civil partner or chosen beneficiary with an income.
You can protect your income for a set period of time
If you pass away during this time, the remaining income will be paid as a lump sum.
You can protect up to 100% of your original investment if you pass away within the plan term.
Plan protection allows the trustee to protect some or all of the plan income and/or guaranteed maturity value.
This option only applies to the trustee version.
If you die before age 75, any lump sum will be paid tax free
If you die at age 75 or older, the beneficiary will pay income tax at their personal rate.
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