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Don’t miss the deadline for fixed protection!

'Fixed protection 2014' is designed to help you protect your pension savings against a lifetime allowance tax charge if you might be affected by the reduction in the lifetime allowance (from £1.5 million to £1.25 million) which takes effect from 6 April 2014. 

Click here to read more about the lifetime allowance on our website.   

You can only apply for fixed protection 2014 if you do not already have primary, enhanced or fixed protection.  If your application is accepted, your lifetime allowance will be fixed at £1.5 million.  However, if you pay any further contributions to a defined contribution pension or build up new benefits in a defined benefit or cash balance scheme, you will lose fixed protection 2014.  Read more about the restrictions on HM Revenue & Customs' website here.  

The window for applying for fixed protection 2014 closes on 5 April 2014. 

HM Revenue & Customs has a tool to help you decide whether to apply for fixed protection, which you can find here.   

You can find the online application form here.  

Our mission is to make pensions accessible to everyone, so if there is anything you want to know about pension saving, please contact us and we will be happy to help.  To discuss any pension-related issue:  

  • Call our helpline on 0300 123 1047.
  • Talk to one of our advisers online here.
  • Use our web based enquiry form here.
We never contact our customers out of the blue

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