Please note Scottish Friendly does not provide advice. This guide is for information purposes only.  If you’re not sure how your pension works or what is suitable for you, you should contact your pension provider or a professional adviser for advice.  Advisers may charge for providing such advice and should confirm any cost beforehand.

Scottish Friendly doesn’t provide advice. The information provided should help you decide if the plan is suitable for you and your family. If you’re not sure whether this plan is suitable, you should contact a professional adviser for advice. Please remember that a financial adviser will charge you for providing advice, but they will discuss the cost of this before you use their services.