I am saddened to say this is an atrocious company to ever consider a pension with. They keep you hanging on the phone for 20 mins a time yet what I wanted to do was transfer my pension. They promised to send me the documentation and failed to do so. I had one year to transfer my money with my other employer and it failed to do so because of the lapse of service from Legal and General. I wonder if it was a malicious way of keeping a customer. I have now left them, but my advice is not to consider such a company unless you genuinely feel you can trust their conduct when you reach your pension age.