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Articles and guides
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- Research
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Pensions articles and guides
- Defined benefit pension transfers: a practical guide for advisers
- Drawdown governance service Q3 2026 update
- Taxation of the State Pension: what advisers need to explain
- Inheritance tax and pensions: what should we be doing now?
- The connected pension scheme member experience is upon us
- What is the Advice Guidance Boundary Review – and how will it impact workplace financial wellbeing support?
- The Pension Schemes Act 2026: Key developments for workplace pension advisers
- Drawdown governance service Q2 2026 update
- Another strong year for workplace pensions at Royal London
- Rethinking pension contribution levels
- Supporting your clients with ProfitShare 2026
- Why now is the moment to help clients move from cash to stocks and shares
- Delivering retirement clients successful, risk-managed investment solutions
- Cancellation rights
- Beyond income
- From financial modelling to life planning
- Simplifying the Letter of Authority process
- Our pension service enhancements Q4 2025
- Drawdown governance service updates
- The Role of Salary Sacrifice
- We’re restructuring our Target Lifestyle Strategies
- The minimum pension age is changing
- Helping to deliver value with ProfitShare
- The New State Pension – Frequently asked questions
- 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?
- We’ve enhanced our mobile app
- The top tax year end questions answered
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Investment articles and guides
- Supporting clients during market volatility
- Why there's no such thing as passive investing in multi asset
- Tactical change – 5 June 2025
- Tactical change – 19 June 2025
- Tactical change – 3 July 2025
- Tactical change – 17 July 2025
- Tactical change – 7 August 2025
- Tactical change – 4 September 2025
- Tactical change – 18 September 2025
- Tactical change – 9 October 2025
- Tactical change – 4 December 2025
- Tactical change – 23 October 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
- Why cash isn’t always king – exploring other cash-type investments
- 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
- We’ve been awarded signatory status under the UK Stewardship Code
- Advising lower risk clients
- Market outlooks
- The benefits of diversification
- Active management in action
- Fixed income update
- Inflation: How it impacts the Governed Range
- Avoiding behavioural traps in asset allocation
- Tactical change – 6 November 2025
- Asset-backed securities – how and why we use them in our portfolios
- Tactical change - 20 November 2025
- Tactical change – 8 January 2026
- Tactical change – 22 January 2026
- Tactical change – 5 February 2026
- Tactical change – 19 February 2026
- Tactical change – 5 March 2026
- Tactical change – 19 March 2026
- Tactical change – 9 April 2026
- Tactical change – 23 April 2026
- Tactical change – 14 May 2026
- Tactical change – 11 June 2026
- Tactical change – 25 June 2026
- Why good governance is critical to long-term investing
- Proxy voting: why it matters for you and your clients
- Tactical change -9-July2026
- Strategic asset allocation updates July 2026
- Tactical change - 23 July 2026
- Tactical change – 13 August 2026
- Tactical change – 10 September 2026
- Tactical change – 24 September 2026
- Does scale matter August 2026
- Why the most effective default pension investments are built to evolve
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Protection articles and guides
- Additional anti money laundering (AML) checks
- Joint life policies and trusts – could you, should you?
- How to place value on protection in tough times
- Royal London acquires Aegon UK’s individual protection book
- Making trusts even easier for you and your clients
- Consumer Duty – is it a huge protection opportunity for adviser firms?
- New My Royal London adviser toolkit
- We’re all going on a Summer Holiday
- Acquisition of Responsible Life and Responsible Lending
- Making it easier to get cover to more clients: our improved underwriting limits
- Advisers most asked questions on Children’s Critical Illness Cover
- Better off dead The need for critical illness cover
- Mortage Strategy podcasts
- Income protection for the self-employed: why it matters and how to set it up right
- Improvements to our protection adviser dashboard
- Our protection service enhancements Q4 2025
- Turning early protection conversations into better outcomes
- We're all going on a summer holiday:
- Helping clients keep education plans on track
- Economic abuse: What is it and who is at risk?
- Growing your protection business through confident referrals
- The role of protection in navigating IHT reform
- We've changed how you receive acceptance terms
- Our new anniversary email for protection customers
- Are renters an overlooked advice opportunity?
- Income Protection occupations refreshed for modern working lives
- Life made simple - how does beneficiary nomination fit within modern protection advice?
- Protection isn’t an add-on, it’s the financial resilience portfolio foundation
- Joint life or single life plans
- Improving GP reports for underwriting
Literature library
- Pensions literature
- Protection literature
- Investment and funds literature
- Stocks and Shares ISA literature
Product support
- Relationship Support Team
- Client engagement support
- Tax year end hub 2026/2027
- Pensions product support
- Protection product support
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Online service
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Pensions and ISA online service
- Auto enrolment service
- Back-office guide
- Client access service
- Client review service
- Drawdown governance service
- Financial planning tool
- New business tracker
- Online service help and support
- Using Unipass
- Personal pensions - what you can do online
- Workplace pensions - what you can do online
- Personalised Client Review Service
- Protection online service
- Stocks and Shares ISA - what you can do online
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Pensions and ISA online service
- Consumer Duty
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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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
- Forgotten 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
- Salary sacrifice – The basics
- Scheme pays
- Tapering of annual allowance for high incomes
- Death benefits
- General articles and tools
- Investment standards
- Overseas
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Pension case studies
- 3rd party contributions - Saving for future generations
- Cashing in your pension fund to buy a property
- Deferring the state pension
- Emergency tax on pensions
- Extracting company profits
- Turning a pay rise into a financial win: how pension planning can help individuals keep their childcare benefits
- Using a pension to offset ISA losses
- Pensions and divorce
- State benefits pension manuals
- Transfers
- Useful links
- ISA
- 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
- Statutory adoption, maternity and paternity pay
- Lump Sum Allowance (LSA) and Lump Sum and Death Benefit Allowance (LSDBA) - Rates
- Overseas Transfer Allowance rate
- Trusts
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Webinars and CPD
- Beating the frozen tax bands
- When relationships end: Getting protection and pensions right
- Behind closed doors: Economic abuse
- A CRP that works for you
- Why should you be fussed about trusts?
- Retirement Income Advice Review
- Better off dead? The need for critical illness cover
- McCloud remedy – adviser overview
- McCloud remedy Taxation and corrections unfunded schemes
- Pension switching: Achieving good outcomes for clients
- Turning Consumer Duty into business value
- Pensions death benefit taxation and IHT
- Facts and Opportunities
- Understanding the Autumn Budget: the economic, market and policy implications
- Navigating the numbers: Budget update and tax year end planning
- Making the most of allowances
- The Meaning of Value
- Hot topics - what issues are your clients facing today?
- Workplace pensions & business protection - corporate work opens doors
- Navigating IHT reforms
- Putting Protection Viewpoint insights into action - part 1
- Putting Protection Viewpoint insights into action - part 2
- Using AI without losing the human touch
- Rethinking income protection
- Maximising workplace pensions benefits
- State Pension - Your clients’ questions answered
- Unpacking the FCA’s Pure Protection Market Study
- When money becomes a weapon
- Tax relief annual allowance
- State Pension: Five client questions
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Protection guidance
- A to Z - Protection
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Business protection
- Business protection - Partnership and membership protection – tax implications
- Business protection – Partnership and sole trader business loan protection
- Business protection Companies Key person protection
- Business protection shareholder protection company buyback of own shares
- What is shareholder protection?
- Business protection partnership and membership
- Protection for partnerships, LLPs and sole traders - a comprehensive guide.
- Business protection companies tax implications
- A guide to business protection
- Business protection shareholder protection tax implications
- Family protection
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General and tools
- 250 days to go – 5 conversations to ensure you’ve had before pension IHT changes arrive
- Beneficiary Nomination or Trust?
- Taxation of a discretionary trust, created by joint settlors
- Unmarried cohabiting couples and their rights
- Protection Plans and means tested benefits.
- Three common income protection myths - and adviser guide
- HMRC Trust Registration Service - Exemptions
- Power of attorney – all you need to know
- Inheritance tax and related manuals
- Menu plan of protection benefits
- Protection case studies
- 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
- Dementia
- 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
- HIV infection
- Trust picker
Forms
- Taking payments from an existing Income Release plan TEST