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Keeping track of your pension

Moving house is an exciting and stressful time. We understand that you might not be able to keep track of everything on your checklist, for example, telling your pension and insurance provider your new address. With the average Brit moving house eight times in their life, it is therefore very easy for providers to lose contact with customers.

The Life and Long-term Savings industry is committed to finding customers they have lost contact with, so that they can keep them informed regarding key events and information on the policies they have. As an industry, our goal is to re-establish contact with every customer when policy information issued is returned by the Royal Mail as either 'Gone Away' or 'Return to Sender'. While millions are spent every year by providers to reconnect with gone-away customers, it is not an easy task. If you think you are one of the customers of a provider who does not have your address, here are some tips on how you could help providers to find you.

Respond to tracing letters

If the letter is addressed to you

You may have recently received a letter from a company you have a policy with asking you to verify personal and address details. Your response to this letter is important as it will allow the company to re-establish contact with you and make sure that the information, they hold for you is correct and up to date. The letter would provide channels to reconnect with your provider, commonly by letter, email, phone or online portal. Some providers will also enclose an address verification form.

Your provider will ask for your personal information to confirm your identity and to ensure the correct record will be updated. Similarly, you can also check if the letter is genuine by crosschecking contact details received against the list below or our member list.

It’s possible you haven’t heard of the provider who is writing to you. Either your employer might have taken out a policy for you, or the company might have been taken over by another company. That doesn’t mean it’s a scam. Here are some more ways to identify and protect yourself from pension scams.

If the letter is addressed to a former occupant

If the letter you received is addressed to a former occupant of your home, you could make a big difference by returning the letter to the provider. Simply write down ‘This person no longer lives here’ on the front of the envelope and put the letter into any post box. There is no cost and you could have helped someone reconnect with their savings.

See more tips about tracing your life insurance and pension policies on our page here.

  • Protection Life Limited

    Protection Life Limited is now administered by Countrywide Assured.
    To discuss your policy, please call Chesnara plc on: 0345 3000 144 or visit: www.chesnara.co.uk

  • Prudential

    Prudential now administers the following organisations: 

    • Scottish Amicable Life Assurance Company
    • Vavasseur Life Assurance Company Limited
    • Greville Insurance (life assurance)
    • British Widows Assurance Company Limited
    • Equitable Life (With Profit Annuities only)


    To discuss your policy, please contact Prudential on:
    Tel: 0800 000 000
    Overseas: (+)44 1786 448844
    Visit: Pru.co.uk
    Or write to us at: Customer Service Centre, Prudential, Lancing, BN15 8GB

  • ReAssure

    ReAssure now administers the following organisations: 

    • The Occidental Life Insurance Company
    • Life Casualty & General Insurance Company
    • Windsor Life Assurance Company Limited
    • UK Life
    • New Zealand Life
    • Continental Life
    • Grosvenor Life
    • Gresham Life
    • Aetana Life
    • Lifetime
    • Crown Financial Management
    • Combined Life
    • GAN UK plc
    • RFSG (UK)
    • Zurich Financial Services
    • Virgin Money Life
    • GE Life
    • NM Life
    • NM Pension Ltd
    • Barclays Life Assurance Co. Ltd.
    • Alico UK
    • HSBC Life
    • Guardian Financial Services.

    To find out more, please visit: www.reassure.co.uk

  • Refuge

    Refuge is now administered by Royal London.

    Products offered:

    • Pensions
    • Life insurance
    • Investments and savings

    To discuss your policy, please contact Royal London on:
    Tel: 0345 050 2020
    Email: custserv@royallondon.com
    Visit: https://www.royallondon.com/contact/
    Or write to us at: Royal London House, Alderley Road, Wilmslow, SK9 1PF

  • RL360 (no longer a part of RLG)

    RL360 (no longer a part of RLG) is now administered by Royal London.

    Products offered:

    • Life insurance
    • Investments and savings

    To discuss your policy, please contact Royal London on:
    Tel: 01624 681 682
    Email: csc@rl360.com

  • Royal and Sun alliance

    Royal and Sun Alliance is now administered by Phoenix Group.
    To discuss your policy, please contact Phoenix Group on:
    Tel: 0345 788 3311
    Overseas: +44 (0)151 255 5177
    Visit: http://www.phoenixlife.co.uk/customer-centre
    Write to us: Phoenix Life, PO Box 1243, Peterborough, PE2 2LD

  • Royal Life

    Royal Life is now administered by Phoenix Group.
    To discuss your policy, please contact Phoenix Group on:
    Tel: 0345 788 3311
    Overseas: +44(0) 151 255 5177
    Visit: http://www.phoenixlife.co.uk/customer-centre
    Write to us: Phoenix Life, PO Box 1243, Peterborough, PE2 2LD

  • Royal Liver (ROI)

    Royal Liver (ROI) is now administered by Royal London.

    Products offered:

    • Pensions
    • Life insurance
    • Investments and savings
    • Miscellaneous

    To discuss your policy, please contact Royal London on:
    Tel: 18450 246111
    Email: custserv@royallondon.com
    Visit: https://www.royallondon.com/contact/
    Or write to us at: Royal London House, Alderley Road, Wilmslow, SK9 1PF

  • Royal Liver (UK)

    Royal Liver (UK) is now administered by Royal London.

    Products offered:

    • Pensions
    • Life insurance
    • Investments and savings
    • Miscellaneous

    To discuss your policy, please contact Royal London on:
    Tel: 0345 050 2020
    Email: custserv@royallondon.com
    Visit: https://www.royallondon.com/contact/
    Or write to us at: Royal London House, Alderley Road, Wilmslow, SK9 1PF

  • Royal London

    Royal London now administers the following organisations: 

    • United Friendly
    • United Friendly Financial Planning (including Devonshire Life and Acuma)
    • Refuge
    • N&P
    • Royal Liver (UK)
    • Royal Liver (ROI)
    • Canterbury Life
    • Phoenix Life Assurance Limited
    • Abbey National/Santander
    • Scottish Life Pensions  (inc new RL policies taken out after 24/11/2004)
    • CIS (excluding Stakeholder pensions)
    • CIS Stakeholder pensions
    • Bright Grey
    • Royal London Life Assurance (sold on an advised basis)
    • Royal London Life Assurance (sold direct)
    • Scottish Provident
    • Caledonia Life (ROI)
    • Irish Life (ROI)
    • Friends Provident (ROI)
    • Pegasus Whole of Life
    • Progress Life Assurance
    • Scottish Mutual Assurance
    • RL360 (no longer a part of RLG)

    To discuss your policy, please contact Royal London on:
    Tel: 0345 050 2020
    Visit: https://www.royallondon.com/contact/
    Or write to us at: Royal London House, Alderley Road, Wilmslow, SK9 1PF

  • Royal London Life Assurance (sold direct)

    Royal London Life Assurance (sold direct) is now administered by Royal London.

    Products offered:

    • Life insurance
    • Investments and savings
    • Miscellaneous

    To discuss your policy, please contact Royal London on:
    Tel: 0345 266 5400
    Email: custserv@royallondon.com
    Visit: https://www.royallondon.com/contact/
    Or write to us at: Customer Services, PO Box 409, Royal London House, Alderley Road, Wilmslow, SK9 0EG

  • Royal London Life Assurance (sold on an advised basis)

    Royal London Life Assurance (sold on an advised basis) is now administered by Royal London.

    Products offered:

    • Pensions
    • Life insurance

    To discuss your policy, please contact Royal London on:
    Tel: 0345 6094 500
    Email: protectionservicing@royallondon.com
    Visit: https://www.royallondon.com/contact/
    Or write to us at: Royal London House, Alderley Road, Wilmslow, SK9 1PF

  • Royal National Pension Fund for Nurses (RNPFN)

    Royal National Pension Fund for Nurses (RNPFN) is now administered by LV.
    To discuss your policy, please contact LV on:
    Tel: 01202 292333 
    Visit: www.lv.com
    Or write to us at: Liverpool Victoria Friendly Society, County Gates, Bournemouth, BH1 2NF

  • Save & Prosper Group

    Save & Prosper Group is now administered by Countrywide Assured.
    To discuss your policy, please call Chesnara plc on: 0345 3000 144 or visit: www.chesnara.co.uk

  • Scottish Amicable Life Assurance Company

    Scottish Amicable Life Assurance Company is now administered by Prudential.
    To discuss your policy, please contact Prudential on:
    Tel: 0800 000 000
    Overseas: (+)44 1786 448844
    Visit: https://www.pru.co.uk/contact-us/identifying-older-policies
    Or write to us at: Customer Service Centre, Prudential, Lancing, BN15 8GB

  • Scottish Life Pensions (inc new RL policies taken out after 24/11/2004)

    Scottish Life Pensions  (inc new RL policies taken out after 24/11/2004) is now administered by Royal London.

    Products offered:

    • Pensions
    • Life insurance
    • Investments and savings

    To discuss your policy, please contact Royal London on:
    Tel: 0345 60 50 050
    Email: customerqueries@royallondon.com
    Visit: https://www.royallondon.com/contact/
    Or write to us at: Royal London House, Alderley Road, Wilmslow, SK9 1PF

  • Scottish Mutual

    Scottish Mutual is now administered by Phoenix Group.
    To discuss your policy, please contact Phoenix Group on:
    Tel: 0345 600 3096
    Overseas: +44 (0)1732 427 112
    Visit: http://www.phoenixlife.co.uk/customer-centre
    Write to us: Phoenix Life, 301 St Vincent Street, Glasgow, G2 5AB

  • Scottish Mutual Assurance

    Scottish Mutual Assurance is now administered by Royal London.

    Products offered:

    • Life insurance
    • Investments and savings

    To discuss your policy, please contact Royal London on:
    Tel: 0345 984 5845
    Email: service@RLRetail.co.uk
    Visit: https://www.royallondon.com/contact/
    Or write to us at: Royal London, 301 St Vincent Street, Glasgow, G2 5PB

  • Scottish Provident

    Scottish Provident is now administered by Phoenix Group.

    Products offered:

    • Life insurance
    • Miscellaneous

    To discuss your policy, please contact Phoenix Group on:
    Tel: 0345 600 3096
    Overseas: +44 (0)1732 427 112
    Visit: http://www.phoenixlife.co.uk/customer-centre
    Write to us: Phoenix Life, 301 St Vincent Street, Glasgow, G2 5AB

  • Scottish Provident

    Scottish Provident is now administered by Royal London.

    To discuss your policy, please contact Royal London on:
    Tel: 0345 271 0900
    Email: servicing@scotprov.co.uk
    Visit: https://www.royallondon.com/contact/
    Or write to us at: Royal London, 301 St Vincent Street, Glasgow, G2 5PB

  • Scottish Widows

    For more information on your Scottish Widows policy, contact Scottish Widows on: www.scottishwidows.co.uk

    Scottish Widows
     now administers the following organisations: 

    • Halifax life
    • St Andrews Life
    • Bank of Scotland Investment Services
    • Leeds Life (Aviva)
    • Lloyds TSB

    For more information, please visit www.scottishwidows.co.uk

  • Skandia Life

    Skandia Life is now administered by Old Mutual Wealth.   
    To discuss your policy, please contact Old Mutual Wealth on:
    Tel: 0808 171 2626
    Visit:
    www.omwealth.co.uk

  • St Andrews Life

    St Andrews Life is now administered by Scottish Widows.
    To discuss your policy, please contact Scottish Widows on:
    Tel: 0345 030 6244
    Visit: www.scottishwidows.co.uk

  • Sterling Assurance

    Sterling Assurance is now administered by Zurich.
    To discuss your policy, please call Zurich on: 01793 514514

  • Sun Life

    SunLife is now part of the Phoenix Group.

    If you have any queries about your policy please contact SunLife

    On 8 December 2017 we transferred all the policies of AXA Wealth Limited, including SunLife policies, to Phoenix Life Limited.

  • Sun Life Financial of Canada

    Sun Life Financial of Canada now administers the following organisations:

    • Armco
    • Associated Investors
    • British National Life Assurance (BNLA)
    • Cannon
    • Citibank
    • City Financial
    • Confederation Life
    • Imperial
    • International Life
    • Laurentian
    • Liberty
    • Life & Equity
    • Lincoln
    • Southampton
    • Trident
    • Trinity
    • Yeoman

    To find out more about your policy, please visit: www.sloc.co.uk

  • Swiss Life

    Swiss Life is now administered by Phoenix Group.
    To discuss your policy, please contact Phoenix Group on:
    Tel: 0800 376 5005
    Overseas: +44(0) 151 255 5180
    Visit: http://www.phoenixlife.co.uk/customer-centre
    Write to us: Phoenix Life, PO Box 1979, Liverpool, L69 3ED

    Or, if your policy started before 1997 please contact Phoenix Group on:

    Tel: 0800 026 2830

    Overseas: +44(0) 151 255 5185

  • Target Life

    Target Life is now administered by Phoenix Life.

    To discuss your policy, please contact Phoenix Life on:
    Tel: 0345 600 5405
    Overseas and Mobile Phone Caller: 01202 023102
    Retirement Line: 0345 600 3649
    Text phone: 0345 600 0355 (for all calls for deaf or hearing impaired callers only)

    Visit: https://www.phoenixlife.co.uk/customer-centre

    Or write to us: Phoenix Life, 100 Holdenhurst Road, Bournemouth, Dorset BH8 8AL

  • Teachers

    Teachers is now administered by LV.
    To discuss your policy, please contact LV on:
    Tel: 01202 292333 
    Visit: www.lv.com
    Or write to us at: Liverpool Victoria Friendly Society, County Gates, Bournemouth, BH1 2NF

  • The Occidental Life Insurance Company

    The Occidental Life Insurance Company is now administered by ReAssure.
    To find out more, please visit: www.reassure.co.uk

  • Tomorrow

    Tomorrow is now administered by LV.
    To discuss your policy, please contact LV on:
    Tel: 01202 292333 
    Visit: www.lv.com
    Or write to us at: Liverpool Victoria Friendly Society, County Gates, Bournemouth, BH1 2NF

  • UIA Insurance Limited

    UIA Insurance Limited is now administered by LV.
    To discuss your policy, please contact LV on:
    Tel: 01202 292333 
    Visit: www.lv.com
    Or write to us at: Liverpool Victoria Friendly Society, County Gates, Bournemouth, BH1 2NF

  • United Friendly

    United Friendly is now administered by Royal London.

    Products offered:

    • Pensions
    • Life insurance
    • Investments and savings

    To discuss your policy, please contact Royal London on:
    Tel: 0345 050 2020
    Email:
    custserv@royallondon.com
    Visit: https://www.royallondon.com/contact/
    Or write to us at: Royal London House, Alderley Road, Wilmslow, SK9 1PF

  • United Friendly Financial Planning (including Devonshire Life and Acuma)

    United Friendly Financial Planning (including Devonshire Life and Acuma) is now administered by Royal London.

    Products offered:

    • Pensions
    • Life insurance

    To discuss your policy, please contact Royal London on:
    Tel: 0345 050 2020
    Email: custserv@royallondon.com
    Visit: https://www.royallondon.com/contact/
    Or write to us at: Royal London House, Alderley Road, Wilmslow, SK9 1PF

  • UK Life

    UK Life is now administered by ReAssure.
    To find out more, please visit: www.reassure.co.uk

  • UK Provident

    UK Provident is now administered by Aviva.
    To find out more about your policy, please visit: www.aviva.co.uk

  • Vanbrugh Life Assurance Limited

    Vanbrugh Life Assurance Limited (Life only) is now administered by Prudential.
    To discuss your policy, please contact Prudential on:
    Tel: 0800 000 000
    Overseas: (+)44 1786 448844
    Visit: Pru.co.uk
    Or write to us at: Customer Service Centre, Prudential, Lancing, BN15 8GB

  • Vavasseur Life Assurance Company Limited

    Vavasseur Life Assurance Company Limited is now administered by Prudential.
    To discuss your policy, please contact Prudential on:
    Tel: 0800 000 000
    Overseas: (+)44 1786 448844
    Visit: https://www.pru.co.uk/contact-us/identifying-older-policies
    Or write to us at: Customer Service Centre, Prudential, Lancing, BN15 8GB

  • Windsor Life Assurance Company Limited

    Windsor Life Assurance Company Limited is now administered by ReAssure.
    To find out more, please visit: www.reassure.co.uk

  • Winterthur Life

    Winterthur Life is now administered by Aviva.
    To find out more about your policy, please visit: www.aviva.co.uk

  • Withington Friendly Burial Collecting Society

    Withington Friendly Burial Collecting Society is now administered by LV.
    To discuss your policy, please contact LV on:
    Tel: 01202 292333 
    Visit: www.lv.com
    Or write to us at: Liverpool Victoria Friendly Society, County Gates, Bournemouth, BH1 2NF

  • Zurich

    Zurich now administers the following organisations:

    • Allied Dunbar
    • Allied Hambro
    • Dunbar Bank
    • Eagle Star
    • Hambro Life
    • Sterling Assurance

    To discuss your policy, please call Zurich on: 01793 514514