Intergenerational Planning

Discover intergenerational planning opportunities with your clients' families, helping you future proof your business with Retirement Planning and Protection.

How will you connect with the next generation?

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Key factors impacting Intergenerational planning

Read about the key factors shaping wealth transfer. Jonathan Sandell gives his views on the areas of focus for Retirement Account for your conversations with clients.

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Annuity Death Benefits, Options to suit your clients needs

James Kay looks 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.

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Financial resilience of younger generations

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

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q and a


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

Conversation Starters

Conversation Starters

Our interactive guide helps you identify which products could benefit your clients and how you can start bringing these into your client conversations. 

Explore opportunities - Retirement & Protection

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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).

Two people stood in living room


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. 


Family sat together in garden


Critical Illness can be an important consideration for intergenerational planning. Discover how we can support your Critical Illness (PDF, 1MB) conversations. Share with your clients the added value of Scottish Widows Care (PDF, 1MB) and Clinic in a PocketTM (PDF, 1MB).


Further Support



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

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Our products

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

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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.

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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.

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

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