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Post by empirebaypete on Jun 2, 2021 2:18:35 GMT
G'day all.
I live in Australia now, so sorting things via email are a bit tricky to say the least.
I was planning on making a trip to the UK sometime and sorting this out was going to be one of the things I did. Obviously that's going to happen any time soon.
I have a pension with Aviva that was set up in 1987.
Does anyone work for them?
Or would anyone be willing to help me get a ideal of what's going on with it?
I also have another pension with Legal & General.
Any help would be appreciated. cheers Pete
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Post by stuart1974 on Jun 2, 2021 7:33:43 GMT
G'day all.
I live in Australia now, so sorting things via email are a bit tricky to say the least.
I was planning on making a trip to the UK sometime and sorting this out was going to be one of the things I did. Obviously that's going to happen any time soon.
I have a pension with Aviva that was set up in 1987.
Does anyone work for them?
Or would anyone be willing to help me get a ideal of what's going on with it?
I also have another pension with Legal & General.
Any help would be appreciated. cheers Pete
I used to work for a company that administer some of the Aviva policies, I know that they were introducing an online system called MyAviva which would allow some policies to be accessed by the policyholders without the need to always call up. Your options could include transferring, leaving them for the time being or taking them but each would have their own pros and cons depending on your circumstances. Do you know what you are after? Your best bet would be to look for independent financial advice. |
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Post by francegas on Jun 2, 2021 8:46:59 GMT
G'day all.
I live in Australia now, so sorting things via email are a bit tricky to say the least.
I was planning on making a trip to the UK sometime and sorting this out was going to be one of the things I did. Obviously that's going to happen any time soon.
I have a pension with Aviva that was set up in 1987.
Does anyone work for them?
Or would anyone be willing to help me get a ideal of what's going on with it?
I also have another pension with Legal & General.
Any help would be appreciated. cheers Pete
Is your Aviva pension a private pension or a preserved occupational pension?. If it's occupational I can point you in the right direction as my wife is in the process of arranging to take her aviva pension in September when she's 55. As stuart says there is an app or via their website you can register for MyAviva which gives you access to investment policies, pensions, insurances you may hold with them. Exactly what you can do through this I don't know. Unless you 100% know what you want to do with your pension I agree with Stuart and reccomend independent advice, because for example the 25% tax free lump sum may not be tax free in your country of residence (as I have found out here in France). |
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Post by empirebaypete on Jun 2, 2021 10:41:14 GMT
Thanks Guys.
I'll write a reply later. Had a hard day at work!!!!!
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Post by empirebaypete on Jun 2, 2021 23:21:31 GMT
G'day all.
I live in Australia now, so sorting things via email are a bit tricky to say the least.
I was planning on making a trip to the UK sometime and sorting this out was going to be one of the things I did. Obviously that's going to happen any time soon.
I have a pension with Aviva that was set up in 1987.
Does anyone work for them?
Or would anyone be willing to help me get a ideal of what's going on with it?
I also have another pension with Legal & General.
Any help would be appreciated. cheers Pete
I used to work for a company that administer some of the Aviva policies, I know that they were introducing an online system called MyAviva which would allow some policies to be accessed by the policyholders without the need to always call up. Your options could include transferring, leaving them for the time being or taking them but each would have their own pros and cons depending on your circumstances. Do you know what you are after? Your best bet would be to look for independent financial advice. Thanks. I did take a look at the Aviva site.
I didn't bother trying to register as other financial sites seem to want you to call when first registering.
To be honest I haven't looked, so this one may be different.
This may sound strange, but we have no landline and my mobile contract doesn't have international calls on it.
All calls are made on Whatsapp.
I'm not after financial advice. More just general stuff on what happens to the pension in a few years.
Or in the case of the Aviva one which has a retirement date of next year when I hit 60. Also I'm a bit confused as I have two lots of paperwork for Aviva, with two sets of figures. Two figures which are are even close to each other.
I thought there was only one account?
The Legal & General one is I had a long time ago. I worked at Purnells printers at Paulton.
I really am kicking myself over this.
I didn't realise I had a pension with them. I thought I'd left before the pension scheme started. Over all these years in Australia (30) I never heard from them.
Then a couple of years ago I had a letter telling me of privacy changes. I contacted them a few times and never heard back. Then I got on their facebook page. Got onto some bloke who asked for my national insurance number.
Strangely enough I had been sorting some old paperwork the week before and noticed an old wage slip stuck in amongst it. Replied to L&G and then got told, no pension here under that number. Then the next day I got a reply from an email I'd sent weeks before. The email had all the details of a pension with them and a secure email system to log into. That was fine. Every so often they'd send an email saying I hadn't logged in for a while and I'd log in. Then an email turned up saying much the same. I admit I didn't read it all. When I went back to read it later I found they'd turned off the secure email and I had to re register. The system won't let me register, so I had access to it and then I didn't!!!
As I said I was planning on taking a trip over at some point and sorting this out was going to be one of the things I was going to do. Maybe I'll send letters to them. Although I've tried that with L&G and never got replies. My main pensions are in Australia. The UK ones are small and an added bonus.
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Post by stuart1974 on Jun 3, 2021 0:09:15 GMT
I used to work for a company that administer some of the Aviva policies, I know that they were introducing an online system called MyAviva which would allow some policies to be accessed by the policyholders without the need to always call up. Your options could include transferring, leaving them for the time being or taking them but each would have their own pros and cons depending on your circumstances. Do you know what you are after? Your best bet would be to look for independent financial advice. Thanks. I did take a look at the Aviva site.
I didn't bother trying to register as other financial sites seem to want you to call when first registering.
To be honest I haven't looked, so this one may be different.
This may sound strange, but we have no landline and my mobile contract doesn't have international calls on it.
All calls are made on Whatsapp.
I'm not after financial advice. More just general stuff on what happens to the pension in a few years.
Or in the case of the Aviva one which has a retirement date of next year when I hit 60. Also I'm a bit confused as I have two lots of paperwork for Aviva, with two sets of figures. Two figures which are are even close to each other.
I thought there was only one account?
The Legal & General one is I had a long time ago. I worked at Purnells printers at Paulton.
I really am kicking myself over this.
I didn't realise I had a pension with them. I thought I'd left before the pension scheme started. Over all these years in Australia (30) I never heard from them.
Then a couple of years ago I had a letter telling me of privacy changes. I contacted them a few times and never heard back. Then I got on their facebook page. Got onto some bloke who asked for my national insurance number.
Strangely enough I had been sorting some old paperwork the week before and noticed an old wage slip stuck in amongst it. Replied to L&G and then got told, no pension here under that number. Then the next day I got a reply from an email I'd sent weeks before. The email had all the details of a pension with them and a secure email system to log into. That was fine. Every so often they'd send an email saying I hadn't logged in for a while and I'd log in. Then an email turned up saying much the same. I admit I didn't read it all. When I went back to read it later I found they'd turned off the secure email and I had to re register. The system won't let me register, so I had access to it and then I didn't!!!
As I said I was planning on taking a trip over at some point and sorting this out was going to be one of the things I was going to do. Maybe I'll send letters to them. Although I've tried that with L&G and never got replies. My main pensions are in Australia. The UK ones are small and an added bonus.
No problem, what happens depends on what type of policy you have. In many cases it will stay invested if it's stock market linked or on deposit (may or may not accrue interest) if not. If it's the type which pays a defined amount as opposed to whatever the investment buys, then that may increase after your retirement date. Deferring until a later date isn't normally a problem although having to take benefits before age 75 is common and if left too near or after 75 could restrict the options. It will be down to the T&Cs on your particular plans, there may also be some special terms you would not want to lose, for example any in built guarantees. You could look to transfer but there are certain restrictions placed on overseas transfers, there may be cost implications and you will need a suitable receiving arrangement. Another option would be to cash them in, depending on their values, in built guarantees and any early redemption penalties. As you are overseas, think about the double taxation situation. Happy to help with jargon busting but as I mentioned before, best seek financial advice as there can be a number of nuances within the policies which can be missed and could make a difference to your decisions. I'd definitely try emailing, these should be of help: www.aviva.co.uk/help-and-support/contact-us/email-enquiries/pension-and-retirement-enquiries/www.legalandgeneral.com/institutional/pension-risk-transfer/customer-care/ |
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Post by empirebaypete on Jun 3, 2021 0:19:12 GMT
G'day all.
I live in Australia now, so sorting things via email are a bit tricky to say the least.
I was planning on making a trip to the UK sometime and sorting this out was going to be one of the things I did. Obviously that's going to happen any time soon.
I have a pension with Aviva that was set up in 1987.
Does anyone work for them?
Or would anyone be willing to help me get a ideal of what's going on with it?
I also have another pension with Legal & General.
Any help would be appreciated. cheers Pete
Is your Aviva pension a private pension or a preserved occupational pension?. If it's occupational I can point you in the right direction as my wife is in the process of arranging to take her aviva pension in September when she's 55. As stuart says there is an app or via their website you can register for MyAviva which gives you access to investment policies, pensions, insurances you may hold with them. Exactly what you can do through this I don't know. Unless you 100% know what you want to do with your pension I agree with Stuart and reccomend independent advice, because for example the 25% tax free lump sum may not be tax free in your country of residence (as I have found out here in France). I'm not sure if the pension is private or preserved.
It says in the first bit of the letter Personal Pensions Policy.
Look, to be honest the letter arrives every year and I think, yeah later. My main pension is here in Australia. I've always thought of the English ones as something I'd take a lump sum on and travel around Europe for six months or so.
I'm just looking at one lot of paperwork from Aviva, it has my retirement date next year, when I turn 60.
Also this year I suddenly have two lots of paperwork. With two different figures. One figure quite a bit more than the other. This has sort of piqued my interest in it.
Regarding the L&G one. One bit that sort of stands out is the bit about if I were to die. It says. The total spouse’s pension is payable to the person to whom you are legally married at the date of your death. Is that right? Legally married? I ask as we are not married. Been together for 25 years though.
Regarding the recommendation of an independent adviser. Thanks but I tend to just run things past my accountant. We have to fill in a tax return every year in Australia. Quite a few people use accountants. Easier & if the tax office doesn't like something the accountant would sort it out.
He's not an adviser as such, but he'd know about the lump sum being tax free or not. I mentioned the legally married bit to him and he thought it was out of date, and didn't think they'd have clauses like that in Australia.
I might start off by sending a couple of emails and if that's no good, I'll send some letters.
cheers
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Post by francegas on Jun 3, 2021 6:03:06 GMT
Is your Aviva pension a private pension or a preserved occupational pension?. If it's occupational I can point you in the right direction as my wife is in the process of arranging to take her aviva pension in September when she's 55. As stuart says there is an app or via their website you can register for MyAviva which gives you access to investment policies, pensions, insurances you may hold with them. Exactly what you can do through this I don't know. Unless you 100% know what you want to do with your pension I agree with Stuart and reccomend independent advice, because for example the 25% tax free lump sum may not be tax free in your country of residence (as I have found out here in France). I'm not sure if the pension is private or preserved.
It says in the first bit of the letter Personal Pensions Policy.
Look, to be honest the letter arrives every year and I think, yeah later. My main pension is here in Australia. I've always thought of the English ones as something I'd take a lump sum on and travel around Europe for six months or so.
I'm just looking at one lot of paperwork from Aviva, it has my retirement date next year, when I turn 60.
Also this year I suddenly have two lots of paperwork. With two different figures. One figure quite a bit more than the other. This has sort of piqued my interest in it.
Regarding the L&G one. One bit that sort of stands out is the bit about if I were to die. It says. The total spouse’s pension is payable to the person to whom you are legally married at the date of your death. Is that right? Legally married? I ask as we are not married. Been together for 25 years though.
Regarding the recommendation of an independent adviser. Thanks but I tend to just run things past my accountant. We have to fill in a tax return every year in Australia. Quite a few people use accountants. Easier & if the tax office doesn't like something the accountant would sort it out.
He's not an adviser as such, but he'd know about the lump sum being tax free or not. I mentioned the legally married bit to him and he thought it was out of date, and didn't think they'd have clauses like that in Australia.
I might start off by sending a couple of emails and if that's no good, I'll send some letters.
cheers
Under an expression of wish with a pension you can leave the benefits to who ever you want, husband, wife, partner etc so no you don't need to be married. Worth checking out who you have nominated under your expression of wish. Also the retirement date of 60 would have been your preferred date. You can take pension benefits from age 55. Get two quotes from your pension provider one if you took the benefits now and the other at age 60. There may not be a huge difference and depending on your circumstances you might prefer to enjoy the benefits now rather than wait. |
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Post by stuart1974 on Jun 3, 2021 6:56:03 GMT
I'm not sure if the pension is private or preserved.
It says in the first bit of the letter Personal Pensions Policy.
Look, to be honest the letter arrives every year and I think, yeah later. My main pension is here in Australia. I've always thought of the English ones as something I'd take a lump sum on and travel around Europe for six months or so.
I'm just looking at one lot of paperwork from Aviva, it has my retirement date next year, when I turn 60.
Also this year I suddenly have two lots of paperwork. With two different figures. One figure quite a bit more than the other. This has sort of piqued my interest in it.
Regarding the L&G one. One bit that sort of stands out is the bit about if I were to die. It says. The total spouse’s pension is payable to the person to whom you are legally married at the date of your death. Is that right? Legally married? I ask as we are not married. Been together for 25 years though.
Regarding the recommendation of an independent adviser. Thanks but I tend to just run things past my accountant. We have to fill in a tax return every year in Australia. Quite a few people use accountants. Easier & if the tax office doesn't like something the accountant would sort it out.
He's not an adviser as such, but he'd know about the lump sum being tax free or not. I mentioned the legally married bit to him and he thought it was out of date, and didn't think they'd have clauses like that in Australia.
I might start off by sending a couple of emails and if that's no good, I'll send some letters.
cheers
Under an expression of wish with a pension you can leave the benefits to who ever you want, husband, wife, partner etc so no you don't need to be married. Worth checking out who you have nominated under your expression of wish. Also the retirement date of 60 would have been your preferred date. You can take pension benefits from age 55. Get two quotes from your pension provider one if you took the benefits now and the other at age 60. There may not be a huge difference and depending on your circumstances you might prefer to enjoy the benefits now rather than wait. There are two types of death benefits, one payable before retirement is taken and one once it starts paying an annuity (should that option be taken). An Expression of Wish will cover the former which will likely pay a lump sum (normally at the discretion of the life office to keep away from the Estate and therefore Inheritance Tax) and the other to the surviving spouse. The latter depends on the choices you make on retirement. In terms of being legally married, many will take a 'common law wife' provided financial dependency is evidenced at the time of death. There can be some older ones which will require marriage though. One of the questions to ask them. France - your second point is right, best to get a series of quotes and see what differences there are. |
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Post by trevorgas on Jun 3, 2021 8:58:58 GMT
Under an expression of wish with a pension you can leave the benefits to who ever you want, husband, wife, partner etc so no you don't need to be married. Worth checking out who you have nominated under your expression of wish. Also the retirement date of 60 would have been your preferred date. You can take pension benefits from age 55. Get two quotes from your pension provider one if you took the benefits now and the other at age 60. There may not be a huge difference and depending on your circumstances you might prefer to enjoy the benefits now rather than wait. There are two types of death benefits, one payable before retirement is taken and one once it starts paying an annuity (should that option be taken). An Expression of Wish will cover the former which will likely pay a lump sum (normally at the discretion of the life office to keep away from the Estate and therefore Inheritance Tax) and the other to the surviving spouse. The latter depends on the choices you make on retirement. In terms of being legally married, many will take a 'common law wife' provided financial dependency is evidenced at the time of death. There can be some older ones which will require marriage though. One of the questions to ask them. France - your second point is right, best to get a series of quotes and see what differences there are. I would be very wary around expression of wish,my brother died in 2016 a few months before his retirement,the pension administrators for the Education authority for whom hwb.gov.wales worked refused to pay any benefits to his partner of 25 years because they were not married other than a token amount as an expression of "goodwill ". He was a university lecturer so his benefits were substantial. I would recommend checking the rules of the pension fund to determine who may be a beneficiary and under what circumstances. |
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Post by oldie on Jun 3, 2021 9:15:32 GMT
There are two types of death benefits, one payable before retirement is taken and one once it starts paying an annuity (should that option be taken). An Expression of Wish will cover the former which will likely pay a lump sum (normally at the discretion of the life office to keep away from the Estate and therefore Inheritance Tax) and the other to the surviving spouse. The latter depends on the choices you make on retirement. In terms of being legally married, many will take a 'common law wife' provided financial dependency is evidenced at the time of death. There can be some older ones which will require marriage though. One of the questions to ask them. France - your second point is right, best to get a series of quotes and see what differences there are. I would be very wary around expression of wish,my brother died in 2016 a few months before his retirement,the pension administrators for the Education authority for whom hwb.gov.wales worked refused to pay any benefits to his partner of 25 years because they were not married other than a token amount as an expression of "goodwill ". He was a university lecturer so his benefits were substantial. I would recommend checking the rules of the pension fund to determine who may be a beneficiary and under what circumstances. Indeed But I do think private sector pensions under defined contributions and subsequent accumulated "pot" have very clear rules on flexibility. |
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Post by stuart1974 on Jun 3, 2021 9:16:26 GMT
There are two types of death benefits, one payable before retirement is taken and one once it starts paying an annuity (should that option be taken). An Expression of Wish will cover the former which will likely pay a lump sum (normally at the discretion of the life office to keep away from the Estate and therefore Inheritance Tax) and the other to the surviving spouse. The latter depends on the choices you make on retirement. In terms of being legally married, many will take a 'common law wife' provided financial dependency is evidenced at the time of death. There can be some older ones which will require marriage though. One of the questions to ask them. France - your second point is right, best to get a series of quotes and see what differences there are. I would be very wary around expression of wish,my brother died in 2016 a few months before his retirement,the pension administrators for the Education authority for whom hwb.gov.wales worked refused to pay any benefits to his partner of 25 years because they were not married other than a token amount as an expression of "goodwill ". He was a university lecturer so his benefits were substantial. I would recommend checking the rules of the pension fund to determine who may be a beneficiary and under what circumstances. Sorry to hear that but your point is so true. An expression of wish is just that, an indication of preference and is only one piece of evidence used when making a decision which is wholly at the discretion of the scheme trustees or life office. I used to get involved in the discretionary committee panels in my previous job and compiling the evidence was like being a private investigator on occasion. Been involved in a number of very complex cases including some which went to court. Most are fairly straightforward but some get extremely complicated. |
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Post by trevorgas on Jun 4, 2021 7:42:55 GMT
I would be very wary around expression of wish,my brother died in 2016 a few months before his retirement,the pension administrators for the Education authority for whom hwb.gov.wales worked refused to pay any benefits to his partner of 25 years because they were not married other than a token amount as an expression of "goodwill ". He was a university lecturer so his benefits were substantial. I would recommend checking the rules of the pension fund to determine who may be a beneficiary and under what circumstances. Sorry to hear that but your point is so true. An expression of wish is just that, an indication of preference and is only one piece of evidence used when making a decision which is wholly at the discretion of the scheme trustees or life office. I used to get involved in the discretionary committee panels in my previous job and compiling the evidence was like being a private investigator on occasion. Been involved in a number of very complex cases including some which went to court. Most are fairly straightforward but some get extremely complicated. And to make it more unbearable the Registrar wouldn't let her register the death as she was not after 25 years "legally " next of kin. |
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Post by empirebaypete on Jun 16, 2021 1:39:22 GMT
Just a bit of a rant. It's cold here today, so i thought I'd start sorting this out. First stop Aviva. What a load of bollocks. Doesn't like my phone number or postcode despite Australia being in the dropdown menu. It let me register with the address and phone number but it can't find my pension because of the errors. So I try the contact us. It doesn't like the numbers either.
So to contact them for help I need to put my details in.
Their system doesn't like my details. Round in circles.
FFS.
A few hours later and I've had a good discussion about my pension and the Euros with Andy from Aviva via Facebook. Now got an email address.
One email to Legal & General and they've sent a link to log in too.
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Post by stuart1974 on Jun 16, 2021 11:28:24 GMT
Just a bit of a rant. It's cold here today, so i thought I'd start sorting this out. First stop Aviva. What a load of bollocks. Doesn't like my phone number or postcode despite Australia being in the dropdown menu. It let me register with the address and phone number but it can't find my pension because of the errors. So I try the contact us. It doesn't like the numbers either.
So to contact them for help I need to put my details in.
Their system doesn't like my details. Round in circles.
FFS.
A few hours later and I've had a good discussion about my pension and the Euros with Andy from Aviva via Facebook. Now got an email address.
One email to Legal & General and they've sent a link to log in too.
I was about to write a response then saw your update, hopefully you've now made contact and can get this moving. |
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Post by empirebaypete on Jun 16, 2021 22:44:49 GMT
Just a bit of a rant. It's cold here today, so i thought I'd start sorting this out. First stop Aviva. What a load of bollocks. Doesn't like my phone number or postcode despite Australia being in the dropdown menu. It let me register with the address and phone number but it can't find my pension because of the errors. So I try the contact us. It doesn't like the numbers either.
So to contact them for help I need to put my details in.
Their system doesn't like my details. Round in circles.
FFS.
A few hours later and I've had a good discussion about my pension and the Euros with Andy from Aviva via Facebook. Now got an email address.
One email to Legal & General and they've sent a link to log in too.
I was about to write a response then saw your update, hopefully you've now made contact and can get this moving. Thanks. I had a few red wines last night so never got any further. The coach of my football team here as supposedly walked out on us after the best season in years. So was on our forum, drinking and ranting.
I think the Legal & General one will be fine.
The Aviva one however I'm not sure. The bloke I was corresponding with on Facebook said he couldn't access the policy number I'd given him.
Also I mentioned before. I have one Aviva policy with not much in at all. I have a policy number for that.
The other letter I have is just two pages. But worth more.
I'll fire off an email and see what happens.
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Post by stuart1974 on Jun 16, 2021 23:00:47 GMT
I was about to write a response then saw your update, hopefully you've now made contact and can get this moving. Thanks. I had a few red wines last night so never got any further. The coach of my football team here as supposedly walked out on us after the best season in years. So was on our forum, drinking and ranting.
I think the Legal & General one will be fine.
The Aviva one however I'm not sure. The bloke I was corresponding with on Facebook said he couldn't access the policy number I'd given him.
Also I mentioned before. I have one Aviva policy with not much in at all. I have a policy number for that.
The other letter I have is just two pages. But worth more.
I'll fire off an email and see what happens.
Feel free to PM me any details, I may recall the area you need to speak with. Otherwise I'd suggest sending copies of your correspondence to him as it may provide additional details. Aviva have acquired several other companies over the years, it could be one of the lesser known ones. |
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Post by empirebaypete on Jul 4, 2021 1:49:04 GMT
Thanks. I had a few red wines last night so never got any further. The coach of my football team here as supposedly walked out on us after the best season in years. So was on our forum, drinking and ranting.
I think the Legal & General one will be fine.
The Aviva one however I'm not sure. The bloke I was corresponding with on Facebook said he couldn't access the policy number I'd given him.
Also I mentioned before. I have one Aviva policy with not much in at all. I have a policy number for that.
The other letter I have is just two pages. But worth more.
I'll fire off an email and see what happens.
Feel free to PM me any details, I may recall the area you need to speak with. Otherwise I'd suggest sending copies of your correspondence to him as it may provide additional details. Aviva have acquired several other companies over the years, it could be one of the lesser known ones. Just to finish this thread off.
Legal & General have got back to me and I can see how much I have etc. So that's a plus. As for the terms regarding paying a pension to my partner, when it says legally married, I'll have to take a look at that. Aviva have also got back to me and are being as vague as vague can be.
I can't log in to my account because.... reasons. Reasons they don't seem to wish to disclose at the moment.
Still a starting point for both.
cheers
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Post by stuart1974 on Jul 4, 2021 6:46:04 GMT
Feel free to PM me any details, I may recall the area you need to speak with. Otherwise I'd suggest sending copies of your correspondence to him as it may provide additional details. Aviva have acquired several other companies over the years, it could be one of the lesser known ones. Just to finish this thread off.
Legal & General have got back to me and I can see how much I have etc. So that's a plus. As for the terms regarding paying a pension to my partner, when it says legally married, I'll have to take a look at that. Aviva have also got back to me and are being as vague as vague can be.
I can't log in to my account because.... reasons. Reasons they don't seem to wish to disclose at the moment.
Still a starting point for both.
cheers
Sort of good news, at least you have contacts now. If your policy with Aviva are like the ones I looked after, there were 'reasons' then too. Good luck, spend it well. |
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Post by baggins on Jul 4, 2021 11:34:11 GMT
Feel free to PM me any details, I may recall the area you need to speak with. Otherwise I'd suggest sending copies of your correspondence to him as it may provide additional details. Aviva have acquired several other companies over the years, it could be one of the lesser known ones. Just to finish this thread off.
Legal & General have got back to me and I can see how much I have etc. So that's a plus. As for the terms regarding paying a pension to my partner, when it says legally married, I'll have to take a look at that. Aviva have also got back to me and are being as vague as vague can be.
I can't log in to my account because.... reasons. Reasons they don't seem to wish to disclose at the moment.
Still a starting point for both.
cheers
Not meaning to chip in on something I know very little about, but just in case things get a bit messy, perhaps think about contacting the Pensions Ombudsman? |
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