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Articles and guides
- Guides
- Research
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Pensions articles and guides
- Pension service enhancements
- Supporting your clients with ProfitShare 2025
- Drawdown governance service Q1 2025 update
- The Role of Salary Exchange
- Capital gains and tax year end:
- We’re restructuring our Target Lifestyle Strategies
- Drawdown governance service Q4 2024 update
- Increase in employer National Insurance contribution rate
- Key insights for General Insurance and Pure Protection Markets
- The minimum pension age is changing
- We're enhancing our Automatic Enrolment Dashboard
- Helping to deliver value with ProfitShare
- The New State Pension – Frequently asked questions
- The Pensions Regulator is asking Employers to change the information they send to us each month
- Revisiting the workplace pension market
- Consumer Duty Products and Services: building blocks for demonstrating value
- Consumer Duty: delivering value in uncertain times
- Consumer Duty and the sustainable finance regulatory agenda
- Consumer Duty: I just called to say…check your status
- Strategic Asset Allocation changes to our Governed Range
- Spring Budget 2023 – Royal London Podcast
- Carry forward where do people go wrong
- Could your clients use a pension to offset ISA losses?
- There’s life cover, but not as we know it
- Our financial wellbeing service is on the app
- We’re making small changes to our online automatic enrolment dashboard and supporting materials
- Gold from Benefits Guru
- Rising inflation, a looming problem for NHS pensions
- We’ve enhanced our mobile app
- We’ve made it easier for customers to transfer their savings
- The top tax year end questions answered
- What stops people from seeking financial advice?
- Teachers’ Pensions
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Investment articles and guides
- History’s lessons for a new era of Spikeflation
- Supporting clients during market volatility
- Why there's no such thing as passive investing in multi asset
- Tactical change – 5 June 2025
- Tactical change – 15 May 2025
- Tactical change – 24 April 2025
- Tactical change – 10 April 2025
- Tactical change – 20 March 2025
- Tactical change – 20 February 2025
- Tactical change – 6 February 2025
- Tactical change – 9 January 2025
- Tactical change – 5 December 2024
- Tactical change – 21 November 2024
- Tactical change – 7 November 2024
- Tactical change – 24 October 2024
- Tactical change – 10 October 2024
- Tactical change – 19 September 2024
- Tactical change – 5 September 2024
- Tactical change – 15 August 2024
- Tactical change - 25 July 2024
- Tactical change - 11 July 2024
- Tactical change - 20 June 2024
- Tactical change - 6 June 2024
- Tactical change - 9 May 2024
- Tactical change - 18 April 2024
- Tactical change - 21 March 2024
- Tactical change - 22 February 2024
- Tactical change - 18 January 2024
- Tactical change - 4 January 2024
- Tactical change - 7 December 2023
- Tactical change - 23 November 2023
- Why cash isn’t always king – exploring other cash-type investments
- Tactical change – 26 October 2023
- Tactical change – 12 October 2023
- Tactical change – 7 September 2023
- Commodities and property
- Cash conundrums in uncertain times
- Explaining pound cost averaging to your clients
- Fixed interest performance update and its impact on the Governed Range
- Tactical change – 20 July 2023
- Tactical change – 6 July 2023
- Tactical change – 8 June 2023
- Tactical change – Tactical change – 22 June 2023
- Tactical change – 11 May 2023
- Tactical change – 23 March 2023
- Tactical change – 9 March 2023
- Tactical change 23 February 2023
- We’ve been awarded signatory status under the UK Stewardship Code
- Tactical change – 9 February 2023
- Tactical change 26 January 2023
- Tactical change 5 January 2023
- Advising lower risk clients
- Market outlooks
- The benefits of diversification
- Active management in action
- Fixed income update
- Inflation: How it impacts the Governed Range
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Protection articles and guides
- Mortage Strategy podcasts
- Protection service enhancements
- Better off dead The need for critical illness cover
- Marketing Studio Updates: New assets live on our Marketing Studio
- Advisers most asked questions on Children’s Critical Illness Cover
- Making it easier to get cover to more clients: our improved underwriting limits
- Let’s talk about Trusts: what are gifted and retained benefits?
- We’re all going on a Summer Holiday
- New My Royal London adviser toolkit
- Consumer Duty – is it a huge protection opportunity for adviser firms?
- Acquisition of Responsible Life and Responsible Lending
- Making trusts even easier for you and your clients
- The added value of advised protection
- Supporting your clients during a difficult time
- Royal London acquires Aegon UK’s individual protection book
- How to place value on protection in tough times
- The impact of career changes on income protection
- Five ways to help your clients stay financially resilient
- The cost of living without protection
- Additional anti money laundering (AML) checks
- Using a Whole of Life plan when inheritance tax planning
- Joint life policies and trusts – could you, should you?
- The advantages to adding indexation
Literature library
- Pensions literature
- Protection literature
- Investment and funds literature
Technical Central
- Ask a question
- Frequently asked questions
- Later life lending
- Meet the experts
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Pensions guidance
- A to Z - Pensions
- Auto enrolment
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Benefit options and allowances
- Beneficiary drawdown
- Capped income drawdown and review dates
- Fixed protection
- Flexi access drawdown
- Income drawdown and review dates
- Individual protection
- Lifetime allowance and benefit crystallisation events
- Lump sum and lump sum death benefit allowances
- Primary and enhanced protection
- Protected pension ages, including the increase to 57 in 2028
- Protection of scheme specific tax free lump sum
- Reaching age 75 our top five FAQs
- Small lump sums
- Taking benefits
- Transitional tax-free amount certificates – an explanation
- Trivial commutation lump sums
- Uncrystallised funds pension lump sums explained
- Winding up lump sums
- Budgets and Acts
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Case studies
- 3rd party contributions - Saving for future generations
- Cashing in your pension fund to buy a property
- Deferring the state pension
- Emergency rate income tax
- Extracting company profits
- How inheritance tax might work on transfer
- Pension death benefits in trust case study
- UFPLS FAD case study
- Using a pension to offset ISA losses
- Using salary sacrifice to save on National Insurance costs
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Contributions and tax relief
- 60 tax relief on pension contributions
- Annual allowance
- Carry forward of pension annual allowance
- Contributing to a child's pension
- Contributions to registered schemes for overseas individuals
- Employer contributions and tax relief
- How to claim higher rate tax relief on pension contributions.
- Member pension contributions tax relief and annual allowance
- Money purchase annual allowance
- Compensation
- Recycling of tax-free cash
- Redundancy payments being used for pension contributions
- Refunds of pension contributions
- Scheme pays
- Tapering of annual allowance for high incomes
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Death benefits
- Consumer Duty and death benefits
- Death benefits: Direction
- Death benefits: Discretion and how to nominate a beneficiary
- Inheritance tax - pensions v individual savings account
- Inheritance tax on pension death benefits from April 2027
- Nominee and successor flexi access drawdown
- Pension death benefits
- What is a spousal bypass trust?
- General articles and tools
- Investment standards
- Overseas
- Pensions and divorce
- State benefits pension manuals
- Transfers
- Useful links
- Inheritance tax
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Rates and factors
- Annual allowance and money purchase annual allowance
- Automatic enrolment earnings thresholds
- Average weekly earnings
- Consumer prices index
- Earnings cap
- Fixed rate GMP revaluation
- GAD interest rates
- ISA rates & factors
- NI limits
- Pension Credit
- Retail prices index
- Standard lifetime allowance
- State pension
- Statutory Sick Pay & Incapacity Benefits
- Tax rates and allowances
- Universal credit
- Statutory adoption, maternity and paternity pay
- Lump Sum Allowance rate
- Lump sum and death benefit allowance
- Overseas Transfer Allowance rate
- Trusts
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Webinars and CPD
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Pensions CPD
- Budget update and tax year end planning
- McCloud remedy – adviser overview
- McCloud remedy Taxation and corrections unfunded schemes
- Pension switching: Achieving good outcomes for clients
- Retirement Income Advice Review
- Tax relief annual allowance
- The future of auto-enrolment: building on 10 years of success
- The meaning of value 2024
- Turning Consumer Duty into business value
- What advisers are asking us now
- What’s on advisers' minds?
- Workplace pensions and business protection: what your clients need to know
-
Protection CPD hub
- Putting protection on the wealth agenda
- Planning for later life
- Better off dead? The need for critical illness cover
- Vulnerable customers a proactive approach in identification and support
- It’s all about income protection
- Considering pensions and protection when a relationship ends
- Dispelling myths around trusts
- What advisers are asking us right now
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Pensions CPD
-
Protection guidance
- A to Z - Protection
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Business protection
- Business protection - Partnerships, LLPs and sole traders - Introduction
- Business protection - Shareholder protection – Wills
- Business protection - Partnership and membership protection – tax implications
- Business protection – Loan protection
- Business protection Partnership, LLPs and sole traders Tax implications
- Business protection Companies Key person protection
- Business protection shareholder protection company buyback of own shares
- What is shareholder protection?
- Business protection partnership and membership
- Business protection - Partnerships, LLPs and sole traders - Key person protection
- Business protection companies tax implications
- A guide to business protection
- Business protection shareholder protection tax implications
- Case studies
- Family protection
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General and tools
- Unmarried co-habiting couples and their rights
- Protection Plans and means tested benefits.
- Three common income protection myths and how to navigate them
- HMRC’s Trust Registration Service exemptions
- Power of attorney – all you need to know
- Quick start guide to the insurance distribution directive IDD
- Inheritance tax and related manuals
- Menu plan of protection benefits
- Relevant life plan
- State benefits, pensions and related manuals
Tools and calculators
- Pension tools
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Protection tools
- Business protection calculator
- Collection date calculator
- Equalisation calculator
- Guaranteed whole of life value calculator
- Inheritance tax calculator
- Lifestyle calculator
- Marketing studio
- Maximum income calculator
- Medical conditions tool
- National insurance calculator
- Reasons Why Personal Protection Letter Builder
- Relevant life calculator
- Value of menu tool
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Definitions tool
- Cardiac arrest
- Cardiomyopathy
- Carotid artery stenosis
- Cauda equina syndrome - with permanent symptoms
- Central retinal artery or vein occlusion
- Cerebral or spinal aneurysm
- Cerebral or spinal arteriovenous malformation
- Cerebral palsy
- Child diabetes mellitus Type 1
- Child intensive care benefit
- Chronic lung disease
- Coma - with associated symptoms
- Coronary angioplasty
- Coronary artery bypass grafts
- Craniosynostosis
- Creutzfeldt-Jakob disease (CJD)
- Crohn's disease
- Cystic fibrosis
- Deafness
- Dementia including Alzheimer's disease
- Down's syndrome
- Edwards syndrome
- Encephalitis
- Less advanced gastrointestinal stromal tumour
- Gastrointestinal stromal tumour (GIST) or neuroendocrine tumour (NET) of low malignant potential - with surgery
- Heart attack
- Heart failure - of specified severity
- Heart valve replacement or repair
- Heartbeat abnormalities - with permanent pacemaker insertion
- Hydrocephalus
- Intensive care
- Kidney failure
- Less severe Cardiomyopathy
- Less severe heart failure
- Liver failure
- Loss of hand or foot
- Loss of independent existence
- Loss of speech
- Loss or removal of an eyeball
- Low grade prostate cancer
- Major organ transplant
- Motor neurone disease
- Multiple sclerosis
- Multiple system atrophy
- Muscular dystrophy
- Less advanced neuroendocrine tumour (WHO grade 1) – treated with surgery
- Neuromyelitis optica (Devic's disease)
- Osteogenesis imperfecta
- Ovarian tumour of borderline malignancy/low malignant potential
- Ovarian tumour of borderline malignancy/low malignant potential – with surgical removal of an ovary
- Paralysis of limbs
- Parkinson plus syndromes
- Parkinson's disease
- Partial loss of sight
- Patau syndrome
- Peripheral vascular disease
- Pituitary gland tumour
- Pneumonectomy
- Pregnancy complications
- Progressive supranuclear palsy
- Pulmonary artery graft surgery
- Pulmonary hypertension
- Severe sepsis
- Skin cancer (not including melanoma)
- Spina bifida
- Spinal stroke
- Stroke
- Structural heart surgery
- Surgical repair of an atrial or ventricular septal defect
- Syringomyelia or syringobulbia
- Systemic lupus erythematosus
- Terminal illness
- Third degree burns
- Third degree burns ACC
- Total permanent disability
- Ulcerative colitis
- Trust picker
Forms
- Start or change a payment from an existing Income Release plan TEST