Manage my pension

Manage your Zurich pension plan using our on-line portal. If your plan number:

  • starts with 87, 88 or P you can register now with just your National Insurance and Zurich plan number(s)
  • includes AK or CK, call us on 0370 241 6950 so we can send you a registration link

Sign in or register for our on-line portal

You can view your pension plan and request a number of changes using our on-line portal.

Sign in or register

To get the best out of your pension plan, it is important that you regularly review it. This includes doing the following:

  • Ensure you have given us your up to date contact details including your address, phone number and email. This will enable us to keep in touch with you.
  • Let us know what age you intend to take retirement benefits from your plan (you can change this at any time). We will get in touch with you as you approach your chosen age with the options available to you.
  • Review your current fund choice and let us know if you want to change it. We will write to you regularly with information on your fund choices.

Further information can be found in the tabbed section below.

If your plan number starts with '87' or '88', you can find information relevant to your plan, including details of the investment options available, links to useful information about retirement choices and relevant contact details should you need to get in touch see workplace pension scheme information page.

Scamproof your pension

Investment scams are real. Fraudsters are convincing; they promise big returns but there is a risk you could lose all of your money.

Read more about how you can protect your savings on the pensions scams page.

Personal details

Plan details

Fund details

Changed your name or address?

For plan numbers that include the letters AK or CK, CKA, CA2, DK, DKA, DL, VA, VB, PB/F01, PB/P01 call:

Our lines are open Monday to Friday 8.30am-5.30pm, Saturday 9.30am-12.30pm, excluding bank holidays.

For all other plan numbers call:

Our lines are open Monday to Friday 9am-5pm, excluding bank holidays.

We may record or monitor calls for training and quality purposes.

Change your bank details

Use the relevant form below to let us know (postal address on the form).

Make sure you allow at least 13 working days for the changes to be made. If you think this will cause an underpayment of your plan please contact us.

Set up power of attorney

Whether you need someone to access your information, act on your behalf, or if you need to access information for someone else, we’re here to help.

If you need someone to access information on your behalf

A letter of authority allows someone you trust to access your financial information. Once we receive a completed letter of authority from you, we can share information with them.

A letter of authority does not allow that person to act on your behalf or make any decisions.

If you need someone to act on your behalf

If you need someone to act on your behalf, we will need to receive a lasting power of attorney. You can find out more about this, including costs, in our guide.

If you need to access information on behalf of someone else

If you need to access information on behalf of someone who is unable to complete the above letter of authority, because they ‘lack mental capacity’, you can apply to become someone’s deputy.

You can read a wealth of information to help guide you through the process on:

Zurich is not responsible for the content of external websites.

Your pension statement

Each year you will receive a pension statement to tell you how your pension plan is doing. For more information about your statement follow the link below.

When do you intend to take your retirement benefits?

It's important we have your correct retirement age so we can contact you with the right information at the right time.

The retirement age we currently hold for you can be found on your latest statement. If this is no longer correct, please get in touch to tell us. Retirement benefits can normally be taken from age 55 apart from certain circumstances such as serious ill health. If this is the case, please get in touch.

To change your retirement age, call us on:

For plan numbers that include the letters AK or CK, CKA, CA2, DK, DKA, DL, VA, VB, PB/F01, PB/P01 call:

Our lines are open Monday to Friday 8.30am-5.30pm, Saturday 9.30am-12.30pm, excluding bank holidays.

For all other plan numbers call:

Our lines are open Monday to Friday 9am-5pm, excluding bank holidays.

We may record or monitor calls for training and quality purposes.

(have your plan documents to hand)

or write to us at:

Zurich Assurance Ltd
Unity Place
1 Carfax Close
Swindon
SN1 1AP

Setting up a beneficiary

Your beneficiary is a person you can nominate to receive the proceeds from your pension plan in case you die before you retire.

To add or change your beneficiaries, call us on:

For plan numbers that include the letters AK or CK, CKA, CA2, DK, DKA, DL, VA, VB, PB/F01, PB/P01 call:

Our lines are open Monday to Friday 8.30am-5.30pm, Saturday 9.30am-12.30pm, excluding bank holidays.

For all other plan numbers call:

Our lines are open Monday to Friday 9am-5pm, excluding bank holidays.

We may record or monitor calls for training and quality purposes.

(have your plan documents to hand)

or write to us at:

Zurich Assistance Ltd
Unity Place
1 Carfax Close
Swindon
SN1 1AP

Want to change your payments?

When you start your plan, you choose how much you want to pay in.

  • But we know that things can change – and you may want to change your payments, make a one-off payment or even stop your payments altogether
  • There may be restrictions on the amount you can pay into your plan
  • Stopping or reducing payments may have a significant effect on the amount you get back when you cash in your plan
  • Making a one-off payment to your investment plan may be subject to a tax charge. We strongly recommend you speak to a financial adviser before making additional payments
  • We only offer direct debit collection dates of the 1st or 14th of the month

Call us

For plan numbers that include the letters AK or CK, CKA, CA2, DK, DKA, DL, VA, VB, PB/F01, PB/P01 call:

  • 0370 850 7943 (if you want to stop or decrease your payments and it’s your first enquiry)

Our lines are open Monday to Friday 8.30am-5.30pm, excluding bank holidays.

Our lines are open Monday to Friday 8.30am-5.30pm, Saturday 9.30am-12.30pm, excluding bank holidays.

For all other plan numbers call:

Our lines are open Monday to Friday 9am-5pm, excluding bank holidays.

We may record or monitor calls for training and quality purposes.

A pension transfer is the process of moving the money and assets from one pension into another.

Here are some potential advantages of switching your old pension to us:

  • You could pay lower charges.
  • You’ll have everything in one place – one website, one statement and one plan to keep an eye on.
  • Combining your pension pots could make it easier for you to choose the retirement option when the time comes.

However, bringing your retirement savings together into one Zurich plan may not be right for everyone. There’s no guarantee you’ll get a better income or pay lower charges by transferring, and you could lose valuable benefits or guarantees you have with your old pension.

We strongly recommend that you speak to a financial adviser before transferring your pension.

Alternatively, if you would like to discuss the options available to you, please contact our customer options team on the number below.

Things to consider before you transfer your pension:

  • Your retirement objectives
  • Your attitude to investment risk
  • Features of your existing plan compared to your new plan
  • Charges you will incur
  • Is it possible to change your current plan
  • The amount of time left to run until your retirement date
  • Changes to your personal circumstances.

Call us

Phone our UK-based team Monday to Friday 8:30am – 5:30pm, excluding bank holidays.

Monday to Friday 8.30am to 5.30pm, Saturday 9.30am to 12.30pm, excluding bank holidays

We may record or monitor calls for training and quality purposes.

What are funds and why are they important?

Funds allow you to choose how and where your money is invested. Some funds invest in shares, others in property or other types of assets.

The amount you get from your pension at retirement will depend upon the performance of the funds your plan is invested in. It is important that you choose funds that are right for your circumstances, investment objectives and attitude to risk. Over time these may change, so it is important to regularly review your fund choices. We do not charge you for changing your fund choices.

If you don't feel comfortable choosing funds that are right for you then you should consider contacting your adviser. If you don't have one you can find one near you by visiting www.unbiased.co.uk and reading reviews of financial advisers by visiting www.vouchedfor.co.uk. You may have to pay for any advice you receive.

Climate-related investment information

Climate change is becoming more and more important to all of us. We've prepared two reports to help you understand how we manage climate-related risks in relation to customer investments.

Property Fund changes

We’ve updated the investment objectives of the Zurich-managed Property funds to allow them to invest in residential property and hotels. This is to adapt the fund to changes in the way we live with more people working from home and shopping on-line as the population grows and ages. This helps spread the risk that any individual asset class may adversely impact the fund.

Funds in Suspension or Wind Up

Russian/Ukraine conflict

As a result of the conflict in Ukraine, and the sanctions imposed by the UK, US and European Union (amongst others), it is not currently possible for fund managers to trade (buy or sell) any Russian investments.

This led to the suspension of the Zurich JPM Emerging Europe Equity ZP fund in March 2022.

Subsequently, where it has been possible to do so, investors holdings in this fund have been switched to an alternative fund. The fund chosen is defined in customers product terms and conditions. However, it invests in different assets and offers different potential risks and returns to those of the suspended fund.

We’ve written to all affected customers confirming the changes which have taken place. We’ll write again when there is a significant change or update to the fund.

If you invested in the Zurich JPM Emerging Europe Equity ZP fund at the time it was suspended, you’ll be affected by these changes. We recommend you review your existing fund holdings to ensure they still meet your investment needs.

If you want to invest in different funds, you’ll need to send us your instructions. You’ll find information on how to do this for your specific type of plan in the “Funds available to you” section below.

Wind Ups

When a fund enters wind up, it’s not possible to buy or sell units in the Zurich fund (or the underlying fund it invests in). During a wind up, the fund manager will sell the remaining investments in the fund and distribute the proceeds of these sales to customers. The wind up process may take some time to complete and customers will be updated each time sales proceeds are made available in their plan, normally by way of a switch confirmation.

A list of funds that are in a wind up phase is as follows:

  • Zurich Woodford Equity Income ZP

Following Court approval of the compensation Scheme for the underlying LF (Woodford) Equity Income fund, we have now received an initial payment.  We will ensure that payments to eligible customers (via a method appropriate to the status of their plan) are made as soon as possible, though please bear with us as it may take some time to process these. 

Further information can be located on the FCA website:

  • Zurich Aviva Investors UK Property ZP

According to the most recently published Interim Report & Accounts (31/03/23) the underlying fund (Aviva Investors UK Property fund) has 1 property left to dispose of before the winding up of the fund can be completed.

We have previously written to all customers with investments in these funds. If you have any questions on how these wind ups may have affected your investments through us, please contact your financial adviser or call us on the number below.

Funds with Russian Exposure

Some funds, mainly emerging market funds, will have an exposure to Russia. A list of these funds, with an approximate percentage exposure to Russia, can be found in the link below:

It is not currently possible for a fund manager to buy or sell Russian investments and we are not able to predict if and when the current restrictions will be lifted.

A fund which had a larger Russian exposure have been suspended and it is not possible to switch out of this fund at present. This are detailed above in the section “Funds in Suspension or Wind Up”.

The remaining funds in the link above are global equity and emerging market funds which continue to operate as normal. Where a fund had Russian exposure any drop in value will already be reflected in current valuations. If your overall portfolio includes a range of funds, it is likely that the Russian exposure is only a small part of its overall value. Switching into, or out of, these funds will neither increase or reduce exposure to Russian investments whilst they are unable to be traded.

If you have an questions on how your funds may be impacted by events in Ukraine, please contact your financial adviser or call us on the number below.

Zurich Pension

Our opening hours are 8.30AM to 5.30PM Monday to Friday and 09.30AM to 12.30PM Saturday, excluding Bank Holidays.

We may record or monitor calls for training and quality purposes.

Funds available to you

For a more detailed look at all the funds available for your plan, information about how to change your funds and some additional information and tools that you may find useful, please follow the link that matches your plan number:

If you cannot find your plan number above or have any other questions feel free to contact us on 0370 241 6950.

Your plan value

Your latest statement will include a plan value.

You can get up to date prices for the funds you are invested in on our FundTracker. You will need to have your latest statement to hand. If you've changed your fund choices since the date of your last statement, you can still select the new fund. Fund prices are updated daily or weekly and the latest price shown will be the most recent price for that fund.

Once in the FundTracker you can search by fund name or SEDOL number (this should be on your statement).

Further information about the economic outlook, including views and opinions on the financial markets, can be found at www.zurich.com/en/economics-and-markets/publications

Fund expenses

These are deducted from the funds to pay for the day-to-day activities of managing each fund and are reflected in the unit price of the fund. Fund expenses are not fixed as they change each day based on what the fund has bought or sold on a particular day.

Annual management charge

An annual management charge is deducted from the fund every day before unit prices are calculated. They could change in the future.

Initial charges

There may be an initial charge on some funds before we buy units. You’ll find more information in your plan’s key facts and terms and conditions.

Fund transaction charges

On a day when you cash in your plan, more money may be moving out of the fund (or any of the funds it invests in) than into it. In this case, some of the assets of the fund (or funds) will have to be sold and the value of your plan may be reduced to reflect the impact on the fund unit price of the costs and charges associated with the sale.

Zurich charges

For details of the charges Zurich take for your plan take a look at your plan’s key facts and terms and conditions.

Fund changes - November 2019

We have reviewed the charges that apply to our funds to ensure they are in line with the investment expenses we incur in managing them. Following the latest review, the charges on some funds have changed from 25 November 2019. We believe that our funds continue to offer good value for money to our customers.

Affected funds - for plan numbers that start ‘0’, ‘4’ , ‘7’ or ‘8’:

Fund Old charge New charge
Zurich Balanced Managed AP 0.07% 0.18%
Zurich Deposit & Treasury ZP 0.06% 0.08%
Zurich Equity Managed 2 EP 0.02% 0.17%
Zurich Far East & Japan EP 0.02% 0.24%
Zurich Fixed Interest AP 0.01% 0.07%
Zurich Long Dated Gilt 2 EP 0.01% 0.14%
Zurich Managed 2 EP 0.02% 0.19%
Zurich Property 2 EP 0.03% 0.50%
Zurich Secure 2 EP 0.01% 0.09%
Zurich UK Equity 2 EP 0.07% 0.21%
Zurich UK Opportunities 2 EP 0.01% 0.18%
Zurich UK Preference & Fixed Interest 2 EP 0.01% 0.15%

What this means to you: You don't need to take any action if you are invested in any of these funds, though you may want to take the opportunity to review your investments and fund selection. We aren't able to give you any financial advice so you may want to contact your financial adviser.

The links below provide information about your plan and the with-profits funds.

You will need to know whether you have a conventional or unit linked plan.

If you have a unit linked plan, you need to know which series you invest in:

Series 1, 2, 2a, 2b, 3, 3b & 7 invest in the 90:10 fund

Series 4, 5, 6, 8 & 9 invest in the 100:0 fund

Some plans could have invested in either fund. Please look at your yearly with-profits bonus statement to make sure you choose the relevant information for you.

Further information