Forms and documents for Pensions (heritage Equitable Life)

Before making decisions about your pension savings, please consider getting guidance or financial advice.


Your can contact Pension Wise, a free and impartial government service that helps you understand what you can do with your pension pot money.

Financial advice

You can find a regulated financial adviser from the Money Advice Service Retirement Adviser Directory.

Utmost Drawdown information

If you are a Heritage Equitable Life customer, you can choose to move your money to another pension pot and take an income from it. Any money left in your pension pot remains invested, which may give your pension pot a chance to grow, but it could go down in value too.

A quarter of your pension pot can usually be taken tax-free and any other withdrawals will be taxable whether you take them as income or as lump sums. You can choose to purchase Utmost Drawdown or you can choose to transfer to a different pension provider to do this. You do not need to take a regular income. You can find out more about Utmost Drawdown in the documents below.

Utmost Drawdown Guide

Utmost Drawdown Key Features

Utmost Drawdown Policy Terms & Conditions

If you are interested in finding out more about your pension options then please Get in touch

General Information Leaflets

General Information Leaflet - Personal Pension Plan, Personal Pension Plan 2000, Free Standing AVC Scheme and Retirement Annuity Contract

General Information Leaflet - Individual Pension Plan

General Information Leaflet - Managed Pension Plan

General Information Leaflet - Money Purchase Transfer Plan

General Information Leaflet - Wind Up Policy/Transfer Plan with Guaranteed Minimum Pension

General Information Leaflet - Wind Up Policy/Transfer Plan with no Guaranteed Minimum Pension