Who we are

We’re a UK market leader in life insurance, workplace pensions and retirement income.

We help create brighter financial futures. There are about 4,200 of us, and together we cover the savings, protection and retirement needs of about 14 million Retail policyholders and workplace members in the UK and US, We do this through our portfolio of businesses; talking directly to customers or working with intermediaries or employers to meet their needs.

What we do

Workplace Savings

We’re the UK’s leading workplace pension provider. We harness leading edge technology and digital transformation to provide the best retirement outcomes for our 5.2 million defined contribution members.

We’re committed to supporting people with their changing needs; from engaging with their first pension through the critical years of pot building, and when they look to realise their retirement dreams.

Retirement and savings

Retail Retirement: We provide guaranteed income, drawdown and fixed term products to meet people’s retirement income needs.

Home Finance: Since 2015, we’ve helped people in their 50s and beyond enjoy a more colourful retirement with our Lifetime Mortgages and Retirement Interest Only Mortgage.

Financial Advice: We give expert advice about making the best use of your money to achieve the best outcome for your retirement


UK Retail Protection: We’ve sold life cover since 1836 and are the UK’s number one individual life insurance provider. We also offer Critical Illness Cover, and Income and Business Protection.

UK Group Protection: We offer Group Life, Group Critical Illness and Group Income Protection for companies ranging from 10 person SMEs to corporates employing thousands. Covered employees can also access our free, day-to-day wellbeing and counselling service.

US Protection: Our US companies, Banner Life Insurance Company and William Penn Life Insurance Company of New York, have been helping protect Americans for more than 70 years, through term life insurance coverage.

Mortgage Services

Mortgage Club: We work with lenders to deliver great products, pricing and criteria, supporting them with a wide range of tools, benefits and events.

Mortgage Tech: Technology is a core part of our Mortgage Services offer and includes Ignite, our online research and sourcing platform.

Surveying Services: Our in-house surveyors and partner firms together help an average 150,000 home buyers a year with all aspects of residential property surveying.