We specialise in pensions and investments. All our products are designed to help provide medium to long-term financial security. They're probably not right for you unless you're prepared to keep them for five years or longer.

It's a huge commitment. We believe you should take expert, professional advice before you enter into it. This is why we only sell our products through qualified financial advisers.

But, if you’re planning for retirement, looking for an investment that will provide the potential for long-term growth or a regular income, you'll find we have a comprehensive and competitive range of products to choose from. Click on the list below to find out more about our products.

Products open to new business

Collective Investment Account (OEICs) & Investment ISAs - invest in funds which offer income options, capital growth or a combination of income and growth.

Investments – ways of using a lump sum to provide for inheritance tax planning as well as for income, capital growth, or a combination of both. These include our Investment Bond, Discounted Gift & Income Bond and offshore investments.

Trusts - In addition we have a comprehensive range of trust plans which can be used with our products to assist with inheritance tax planning.

Scottish Widows pensions – Choose from a range of pensions or an annuity from Scottish Widows and you'll really make the most of your retirement income.

Existing business products – now closed to new business

Individual pensions – personal pensions for people who are either employed, self-employed or not working

Stakeholder pensions – like personal pensions with certain minimum standards set by the Government, designed to be low cost and flexible

Income drawdown – for people over 50, retired, about to retire, or who simply want additional income, Income Drawdown enables you to withdraw income from your pension and put off buying an annuity.