Your Pension - Your Future 

Your pension

If the following applies to you, you probably hold both final salary and ZCashBuilder benefits:

  • I am a current employee who joined Zurich before 1 April 2007
  • I am no longer employed by Zurich. I joined before 1 April 2007 and left after 31 December 2015
  • I am no longer employed by Zurich. I joined before 1 April 2007, left before January 2016 and saved extra in the Scheme after March 2007

Currently paying into the Scheme - being an active member

If you’re a current employee and Zurich are paying contributions into your ZCashBuilder account, you’re what’s known as an ‘active’ member.

By logging into or registering your account, you can find out everything you need to know about your pension – this will make things easier for you the closer you get to retirement. Along with keeping track of your pension benefits, you can also access a host of useful information to help you to understand how your pension works.


It's easy - simply log in to your account and request a quote at the age or date you are thinking of taking your pension.

Once you’ve run the quote online you’ll be able to set the level of tax-free cash you’d like to take and see the impact on your annual pension.


You can take all your pension benefits at the same time, or, you can choose to take different parts of your pension benefits at different times.

For example, you may take your Old Tier and ZCashBuilder benefits now and take your final salary benefits in 3 years' time.

If you can and do take benefits before age 55, you have to take them all at the same time and stop working for the company, as this is a legislative requirement.

Find out more about your ZCashBuilder benefits, including your investment choices and some of the options available to you at retirement. 

Not paying into the Scheme - being a deferred member

If you’ve left the Scheme but haven’t yet retired, you’re classed as a ‘deferred’ member. Neither you nor Zurich will be contributing to the pension scheme. 

Your deferred benefits will be payable from your normal pension age and are calculated using your pensionable service and pensionable salary at your date of leaving the Company. 

When you’re a deferred member, your benefits will be waiting for you when you’re ready to take them.

Useful contacts

More advice about pensions as well as appointing an Independent Financial Adviser (IFA) can be found using the details below:

Financial Conduct Authority
0300 500 8082

MoneyHelper 
0800 011 3797 (Pensions Helpline)

Your final salary + ZCB Member Guide

We are currently updating this guide for those with final salary benefits, including those who have both final salary and ZCashBuilder benefits.

In the meantime, go to the Guides page to read the existing Member Guide.

If you have any questions about your benefits, you can contact the ZPen team by:

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None of the information given on this website can give you legal rights or benefits that differ from those provided in the Trust Deed and Rules. In the case of uncertainty or conflict between the content on this website and the Trust Deed and Rules, the Trust Deed and Rules (as amended from time to time) will prevail. 

You should consider taking independent financial advice on your options in relation to your benefits under the Scheme. Neither the Scheme Trustee (Zurich Financial Services UK Pension Trustee Limited) nor any member of the Zurich Group (i.e. Zurich Insurance Group Ltd - registered in Switzerland with number CH-020.3.023.089-6 and its direct and indirect subsidiaries) are able to provide you with financial advice or accept any liability for any decision you make with regards to your retirement options.