Intergenerational Planning

Discover intergenerational opportunities with your clients' families, helping you future proof your business with retirement planning and protection.

How will you connect with the next generation?

Key factors impacting Intergenerational planning

Read about the key factors shaping wealth transfer and get our expert's views on the areas of focus for your conversations with clients.

Read now (PDF 75KB)(opens in a new tab)

Annuity Death Benefits, Options to suit your clients needs

We look at an outline of the different death benefits available at outset on an annuity and how you can choose annuity death benefits to meet your clients specific needs.

Read now (PDF 499KB)(opens in a new tab)

Financial resilience of younger generations

With the intergenerational wealth transfers set to grow rapidly, Alun Beynon discusses how advisers should start addressing these issues with their customers. 

Read now (PDF 217KB)(opens in a new tab)
q and a


Take a look through our new Q&A which demonstrates why you should be considering introducing intergenerational planning into your client conversations. 

Conversation Starters

Conversation Starters

Are you unsure of where to start with intergenerational planning? We have developed an interactive guide that helps identify which products could benefit your clients and how you can start bringing these into your client conversations. 

Explore opportunities - Retirement & Protection

Skyscrapers with clouds


Connect with the next generation through Family Pricing (PDF 208KB) and help your clients to pass on wealth in a tax efficient way with Successor and Beneficiary Drawdown (PDF 778KB). If a parent has excess income, they could contribute to an adult child’s pension through Third Party Contributions (PDF 515KB).

Graphic of a bridge


Discover how clients can protect their wealth with a guaranteed payment period or dependant's income (PDF 571KB), and use our underwriting support document (PDF 93KB) to see if your clients could secure a higher income.  Remember your clients could benefit by having a Flexi-Access Drawdown (PDF 507KB) alongside a secure income in retirement. The added flexibility of Flexi-Access Drawdown offers your clients the ability to review the provision of their pension death benefits in future years. 


Graphic of people on a zebra crossing


Critical Illness can be an important consideration for intergenerational planning. Discover how we can support your Critical Illness (PDF 1MB) conversations. With flexible and efficient underwriting, we are focused on making the complex simple (PDF 2MB).

Further Support


We have partnered with The FT Adviser and sponsored a new hub that provides further support & resources for your intergenerational conversations.

Find out more(opens in a new tab)


Our range of trusts offer opportunities to reduce inheritance tax. For life cover that’s tax smart, investments & savings and OEICs.



We are focused on providing information to help you identify business opportunities, through technical and value adding support, guidance and tools.

Explore now

Our products

Explore our full range of products and see how they could work for your clients and your business.

Explore now


Our intermediary protection products have a range of different options to suit a variety of needs. We can offer your clients more than just financial piece of mind.

Explore now

Individual Pensions

We offer your clients a range of options, enabling them to be as involved in their investment as they want to be whether they are saving for retirement, looking to take an income or topping up an existing plan.

Explore now


We offer both Standard and Enhanced annuities to new and existing customers.

Explore now