Scottish Life

Scottish Life













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Scottish Life

About Scottish Life

Scottish Life is dedicated to ensuring the financial future of its members. It was founded in 1881 and has grown throughout the years. It now has the financial might of Royal London to call upon which has enabled it to expand. There are now almost 3,000 employees working for the company, it has 3.4 million customers and manages 16,000 pension schemes. They are advocates of independent financial advice and consider themselves as pension experts. Scottish Life has also won the FTAdviser Online Service Awards four years in a row (2007-2016).

Product Range and Speciality Products

Scottish Life offers three main pension schemes for employees. Their Group Personal Pensions ensure that your pension is included in the plan with you benefiting from lower charges because you’re part of a group scheme. Payments are taken directly from your salary and paid to Scottish Life. With a Group Stakeholder Pension, Scottish Life invests your money into funds until the day that you start drawing benefits. Their Company Pension Scheme is ran by trustees on your behalf while you have your own individual account within the scheme.

For companies, Scottish Life has Governed Portfolios which allow employees of your company to invest their money on a range of bonds, property and equities while taking into account the risk they are willing to take. They are reviewed regularly by Scottish Life to ensure that they are up to standard. They also offer 11 different Lifestyle Strategies which reduce the risk to your savings the closer you get to withdrawing your retirement benefits.

Selling Route

Scottish Life only sell their pensions through financial advisors because they don’t believe in wasting money on expensive advertising campaigns, preferring instead to give customers the best pension schemes.