Your Pension - Your Future
Guides
Browse our guides below to ensure you have the information you need to manage your pension effectively.
Member guides
If you have benefits in ZCashBuilder only, you can view your dedicated member guide below.
We are currently updating the guides for those with final salary benefits, including those who have both final salary and ZCashBuilder benefits. In the meantime, you can read a copy of the existing Member Guide.
If you have any questions about your benefits, you can also contact the ZPen team:
- by email - zpenteam@uk.zurich.com
- by phone - 0800 232 1915, option 3
Investment guides
These guides tell you more about the investment options available to you and some of the factors you should be thinking about when deciding where you want to invest.
If you don't feel comfortable making a decision about where you are invested, or don't want to, then you will be invested in a default arrangement and can find out more information in the following guides.
Legacy AVCs
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.