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Income Pledge our income pledge means, when you ask for a quote, we make every effort to source the highest annuity rates securing the best Income for your money.

Increase your annuity income by up to 30%!
If you are retiring now, shop around for the highest open market annuity or we can do this for you, just use the free annuity quote

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1st December 2000
Accrual rates
Actuarial guidance note 11
Actuary
Added years
Additional voluntary contribution
Adjusted CETV
Advanced or arrears
Alternatively secured income
Ancillary relief proceedings

Annual allowance
Annuity
Annuity quotes
Annuity rates
Annuity taxation
Annuity interest rate
Anticipated Bonus Rate
Appropriate personal pension
Approved scheme
Armed Forces Pension Scheme
Associated employers
Authorised person
Average earnings index

Barber v Guardian Royal Exchange (1990)
Benefits in kind
Best advice rule
BR 19 form
BR 20 form
Brooks v Brooks (1995)
Bulk transfer
Burrow v Burrow (1999)
Buyout policy

Calderbank letter
Capital and interest
Capital protection
Carry back relief
Carry forward relief
Cash equivalent value
CEV
Cash equivalent transfer value
CETV
Clean break
Commutation
Compulsory purchase annuity
Concurrent membership
Continuous service

Contracted in money purchase
Contracted out money purchase
Contracting out
Contributions
Contributory scheme
Court order
Critical yield

Data Protection Act 1998
Death in service benefits
Decree absolute
Decree nisi
Deferred annuity
Deferred pension
Defined benefit scheme
Defined contribution scheme
Dependants pension rights
Designated professional body

Direction power
Disclosure rules
Discretionary benefits
Divorce
Divorce statistics
Dual membership
Dynamisation

Early retirement
Earmarking
Earmarking limitations
Earmarking order
Earmarking retirement benefits

Earnings cap
Eligibility
Employers pension scheme
Endowment policy
Enhanced annuity
Equalisation rules
European Court of Justice

Executive pension plan
Exempt approved schemes
Exempt person
Exempt professional firm
Exempt regulated activities
Expert evidence
External transfer

Family Law Act 1996
Family Law (Scotland) Act 1985
Fee based adviser
Final hearing
Final remuneration
Final salary pension

Financial adviser
Financial dispute resolution
Financial Ombudsman Service
Financial Services Act 1986
Financial Services Authority

Financial Services and Markets Act 2000
First appointment
Fixed rate escalation
Fluctuating emoluments
Free standing additional voluntary contribution
Fund value
Funded unapproved retirement benefits scheme

G60 Pensions
General prohibition
Government Actuary's Department
Gross and net contributions
Group personal pension
Guaranteed minimum pension
Guaranteed period
Headroom check
H v H (1993)
Hybrid scheme

Immediate needs annuity
Impaired life annuity
Income and Corporation Taxes Act 1988
Independent financial adviser
Indexation
Individual savings accounts
Insured personal pension
Internal transfer
ISAs
Investment bonds
Judicial separation
Know your customer rule
Legal Aid
Level annuity
Life assurance
Lifetime allowance
Limited price indexation
Long term care
Lump sum
Lump sum death benefit

Mainstream financial activity
Marriage
Matrimonial Causes Act 1973
Matrimonial assets
Matrimonial home
Means testing
Medical conditions
Members pension rights

Members reduced benefits
Minimum funding requirement
Money purchase scheme
Mortality
Mortality profit
Mortality drag

N2
National Insurance
Negative deferred pension
Net relevant earnings
NHS funding
Non contributory scheme
Non exempt activities order
Normal pension age
Nullity

Occupational pension scheme
Occupational Pensions Advisory Service
Occupational Pensions Regulatory Authority
Office of Fair Trading
Office for National Statistics
Offsetting
Open annuity
Open market option

P11D benefits
Past service reserve
Pay as you earn
Pensions
Pensions Act 1995
Pension arrangement
Pension audit
Pension credit

Pension debit
Pension drawdown
Pensions expert
Pensionable earnings
Pension fund
Pension fund withdrawal
Pensions Law Review Committee
Pension income
Pension linked term assurance

Pensions Ombudsman
Pensions review
Pensions Schemes Act 1993
Pension Schemes Office
Pensionable service
Pension sharing
Pension sharing limitations

Pension sharing order
Pension sharing procedures
Pension sharing retirement benefits
Pension splitting
Pension transfer
Pensioneer trustee

PEPs
Permitted activity 13
Personal equity plans
Personal Investment Authority
Personal pension
Phased retirement
Polarisation
Policyholders Protection Act 1997
Post divorce contributions

Prerogative instruments
Preserved benefits
Private managed funds
Private pension scheme
Professional indemnity
Property
Protected rights
Public service scheme
Purchase life annuity

Qualifying service
Recognised professional bodies
Reckonable service
Reduction in yield
Refund of contributions
Regular and single contributions
Regulated activities order
Regulated activity

Relevant benefits
Relevant earnings
Restricted activity rules
Retail price index
RPI escalation
Retirement age
Retirement annuity policies
Retirement benefits
Revaluation

Safeguarded rights
Salary sacrifice
Savings
Scheme member
Scheme trustees
Section 226 policies
Section 32 policies
Securities and Investment Board
Segmentation

Self assessment
Self invested personal pension
Self regulating organisation
Shares
Simplified defined contribution scheme
Single or joint life
Small self administered schemes
Social Security Act 1973
Society of Pension Consultants
SPC
Specialist advice
Spouses lost rights
Staggered vesting

Stakeholder pensions
State basic pension
State earnings related pension scheme
State pension age
State scheme rights
State second pension
Subordinate legislation
Surplus
Survivors pension

T v T (1998)
Tax exempt special savings accounts
Tax free lump sum
Temporary absence
Tempoary annuity
Term certain annuities
TEP market
TESSAs
Tied agent
Traded endowment policy
Trivial pensions
Transfer value
Transfer value analysis system
Trustee Act 2000
Underfunded
Unfunded unapproved retirement benefit scheme
Unit trusts

Valuation legislation
Valuation method
Valuation options
Valuation report
Value protection annuity
Variation of settlement order

Waiver of premium benefit
Welfare Reform and Pensions Act 1999
Whistle blowing
White v White (2000)
Widows pension
Winding up
With overlap
With profits annuity
With proportion

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resources

	annuities		marriage breakdown

	employer pensions		pension sharing

	private pensions		pension audit