Adviser policy papers

Beyond customer outcomes

We’re living in challenging times. Our population is getting older and many customers lack the means to support themselves in retirement in the way they would like. This coincides with a climate crisis that is damaging the world into which they will retire.

If we are to protect the standard of living for this and future generations, we need to drive positive change in the financial services sector. This paper explores the steps we need to take to help customers build financial resilience and create a future worth living in.

Download ‘Beyond customer outcomes’

Why paying a tax charge isn’t always a bad thing

Clients facing tax charges are anxious to know if it’s worth their while staying in their pension scheme. 

The pensions tax situation may seem bleak to many individuals for a number of reasons.

This policy paper sets out Royal London’s thoughts on how advisers can set about giving sound advice to clients in this space.

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Retirement benefits in public service pension schemes

NHS and Teachers’ pension schemes have evolved over a number of years, leaving many members with multiple tranches of final salary and career average benefits in addition to multiple normal pension ages.

This policy paper sets out the wider rules by which members of these schemes can claim their benefits. It aims to help advisers understand the relevant scheme’s rules on a range of issues.

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The Royal London Mutual Insurance Society Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The firm is on the Financial Services Register, registration number 117672. It provides life assurance and pensions. Registered in England and Wales number 99064. Registered office: 55 Gracechurch Street, London, EC3V 0RL.