Did you know that former Equitable Life policyholders are now able to manage their policy using our online service MyUtmost. By registering, you will have access to a range of information and forms, be able to switch your investments and have access to a secure messaging facility. You will find a button to Register at the top of this page.
If you do not want to register for MyUtmost, the Customer Centre below currently provides information for our individual policyholders. If you are a trustee, or a member of one of our group schemes, please click here to enter the Group pension schemes section. Alternatively, trustees can contact us by phone or email - click here for contact details.
To help us get your enquiry to the right team as soon as possible, please let us know how we can help you today.
Did you know….. most policyholders are now able to get a value at the touch of a button by registering for our online service MyUtmost. You can find a button to Register at the top of this page.
If you do not want to register for MyUtmost, you can calculate the value of your policy by simply multiplying the number of units you hold by the daily bid price of the fund(s) you are invested in. You can find the current bid prices here here. Your Annual Statement will show the number of units you have.
Please note that if you have paid money into your policy, or taken money out of your policy since your last statement, the number of units will be different to those shown on the statement. In addition, if you are investing using the Investing by Age strategy, the number of units may be different to those shown on the statement.
If you would like us to send you a policy value (which includes the number of units you hold) in the post, click here to email us that request.
Did you know ….. if you register for our online service MyUtmost, you are able to change your address without calling us or writing in. You can find a button to Register at the top of this page.
If you do not want to register for MyUtmost:
Please note we cannot accept just an email detailing your new address.
Did you know …… you are now able to switch your investments online using our online service MyUtmost. You can find a button to Register at the top of this page.
If you do not want to register for MyUtmost:
Click here to find more information about our fund range.
If you are former Equitable Life policyholder, are under the age of 75, and are a *'relevant UK individual', you can start paying into your pension at any time. There are two ways to do this:
If you are making a payment and you would like this to be invested in specific funds, please let us know before you make the payment, or it will be allocated in line with your existing instructions.
If you have switched funds in the past, unless you also requested a change to the allocation of future payments, your contribution instructions would not have been changed. Without checking this, there is a risk that your payment won't be allocated to the funds you expect.
If you are unsure how future payments will be allocated to your plan, please contact us and we will let you know.
It is possible to download a direct debit mandate from our website here. You will need to print this off and send it back to us confirming the amount you wish to contribute and how often you would like us to collect payments.
If you would like to make an adhoc payment when it is convenient for you, you can send a direct credit payment to us using the following bank details:
Please note, that for a payment to be allocated the same working day as it is made, our bank needs to have received it by 5pm GMT. Other banks may have different rules but the date used for a payment to us will be determined by the time our bank receives the money. Any payments received after 5pm GMT will have an allocation date of the following working day.
Please ensure you quote your policy number in the reference so we can match this up to your policy.
The maximum amount of contributions on which you can have relief in any tax year is the greater of:
If you have a Personal Pension Plan we will apply tax relief at basic rate to the contribution at the point it is allocated to your policy.
If you have a Retirement Annuity you will need to make a personal claim for tax relief from HMRC.
There is no limit on the amount of pension savings you can make each year but the annual allowance places a limit on the tax relief available for those pension savings.
If you exceed the annual allowance in a tax year, we will provide you with a statement confirming what you have paid in for the last four years. You should then include this information when you complete HMRC's self assessment tax return.
We recommend you speak to an Independent Financial Adviser before making any contributions which may result in additional tax charges for you.
*You are a relevant UK individual for a tax year if you:
Did you know ….. you are now able to manage your retirement journey with us by using our online service MyUtmost. You can find a button to Register at the top of this page.
If you do want to register for MyUtmost:
If you still want to request your retirement options in writing, click here to email us that request.
Did you know ….
If you still want a Transfer Form to be sent in the post, click here to email us that request.
Did you know …..
If you still want us to send you a Nomination of Beneficiary form in the post, click here to email us that request.
If you are trying to get in contact with the Equitable Life Payment Scheme, which is the government led compensation scheme, please note they no longer have a contact number and we do not hold any of their records. The only methods of contact currently available are:
Equitable Life Payment Scheme, PO Box 414. 11b Lingfield Point, Darlington, DL1 9WN
Further information can be found on the government website https://www.gov.uk/guidance/equitable-life-payment-scheme