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Articles and guides
- Guides
- Research
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Pensions articles and guides
- Drawdown governance service Q1 2024 update
- We’ve launched our new video pension statements
- 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
- The Retirement Living Standards – Is there a Funding Gap?
- Revisiting the workplace pension market
- Independent school provision
- 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
- Inflation proofing annuities
- Spring Budget 2023 – Royal London Podcast
- Could your clients use a pension to offset ISA losses?
- Independent Governance Committee (IGC) annual report
- There’s life cover, but not as we know it
- Supporting your clients with ProfitShare
- 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
- We’ve updated our workplace yearly statements
- The top tax year end questions answered
- What stops people from seeking financial advice?
- Teachers’ Pensions
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Investment articles and guides
- 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
- Rethinking the traditional 60/40 portfolio
- 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
- Tactical change 8 December 2022
- Tactical change 24 November 2022
- Tactical change 10 November 2022
- Advising lower risk clients
- Market outlooks
- The benefits of diversification
- Tactical change 13 October 2022
- Active management in action
- Tactical change 22 September 2022
- Fixed income update
- Tactical change 8 September 2022
- Inflation: How it impacts the Governed Range
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Protection articles and guides
- Advisers most asked questions on Children’s Critical Illness Cover
- Making it easier to get cover to more clients: our improved underwriting limits
- Improving claims outcomes for bowel conditions
- 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
- Six ways our online service makes it easier to do business digitally
- 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
- How family income benefit can provide an affordable protection solution
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
- HMRC - Abolition of the lifetime allowance – guidance
- Income drawdown and review dates
- Individual protection
- Lifetime allowance - before April 2024
- Protected pension ages, including the increase to 57 in 2028
- Reaching age 75 our top five FAQs
- Small lump sums
- Taking benefits
- Transitional tax-free amount certificates – an explanation
- Trivial lump sums
- Uncrystallised funds pension lump sums explained
- What replaced the lifetime allowance on 6 April 2024
- 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 – how does it work, and is it worthwhile?
- Emergency rate income tax
- Extracting company profits
- How inheritance tax might work on transfer
- Money purchase annual allowance – case studies
- Pension death benefits in trust case study
- Taper trap
- 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
- Annual allowance: is paying a tax charge such a bad thing?
- Carry forward
- Carry forward - frequently asked questions
- Carry forward calculations
- Compensation
- Contributing to a child's pension
- Contributions to registered schemes for overseas individuals
- Employer contributions and tax relief
- Member contributions and higher rate tax relief
- Member contributions tax relief and annual allowance
- Money purchase annual allowance
- Pension contributions - All you need to know
- Pension input periods and pension input amounts 2015
- Recycling of tax free cash
- Redundancy payments being used for pension contributions
- Refund of contributions
- Scheme pays
- Tapering of annual allowance for high incomes
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Death benefits
- Consumer Duty and death benefits
- Death benefits from April 2024
- Death benefits our top five frequently asked questions
- Death benefits: Direction
- Death benefits: Discretion and how to nominate a beneficiary
- Inheritance tax - pensions v individual savings account
- Nominee and successor flexi access drawdown
- Taxation of pension death benefits
- What is a spousal bypass trust?
- General articles and tools
- Investment standards
- Overseas
- Pension protection
- Pensions and divorce
- State benefits pension manuals
- Transfers
- Useful links
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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
- Lump sum and death benefit allowance
- Overseas Transfer Allowance
- Trusts
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Webinars and CPD
-
Pensions CPD
- Bridging the gender pension gap
- Consumer Duty – a practical guide (pensions)
- Opening the door to workplace pensions and business protection
- Pension changes and tax year end
- Retirement Income Advice Review
- State Pensions and related benefits – what you need to know
- Tackling the gender pension and wealth gap research report
- Tax relief annual allowance
- The future of auto-enrolment: building on 10 years of success
- The gender gap – not just a pensions issue
- The Meaning of Value
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Protection CPD hub
- 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
- Future proofing your advice – how protection can help deliver good customer outcomes
- The impact of the cost of living crisis
-
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
- Business protection 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
- General and tools
- 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
- Gastrointestinal stromal tumour (GIST)
- 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
- Neuroendocrine tumour (NET) of low malignant potential - 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