Laws and tax rules may change in the future. A client's personal circumstances and where they live in the UK will also have an impact on tax treatment.

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Lifetime allowance

In order to help clients manage or mitigate any potential tax on excess pension funds over the lifetime allowance advisers need to fully understand when and how benefits are tested against the lifetime allowance.


Start the module60 CPD minutes

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Fixed protection

Fixed protection offers valuable protection for funds greater than the standard lifetime allowance. Advisers need to know about the benefit they give clients and an understanding of the impact of losing protection for clients with savings near or above the standard LTA.


Start the module30 CPD minutes

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Certificate

Individual protection

Individual protection allows some clients to secure a higher LTA based on the value of their pension benefits when the LTA was reduced in 2014 and 2016. Advisers need to understand the extra protection offered by both versions of individual protection and the benefit for clients potentially impacted by the LTA.


Start the module30 CPD minutes

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Literature

Find important and useful documents, including product guides, forms, terms and conditions and sales aids.

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Techzone

Techzone offers you support on the pensions, taxation and wealth transfer issues that matter to you, compiled by our expert team.

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Help and support

You can find answers to a wide range of popular policy, product and servicing questions in our help and support section.