How to start a pension

Through our advised service an NFU Mutual Financial Adviser will review your personal circumstances and make recommendations based on your financial goals.

This can be face-to-face or over the phone. When you contact us we'll explain the advice services we offer and the charges.

Full details of the charges and services that we offer are available in Our Terms of Business [PDF: 2.7MB].

NFU Mutual Financial Advisers advise on NFU Mutual products and selected products from specialist providers.

Financial advice is provided by NFU Mutual Select Investments Limited. 

An NFU Mutual Non-Advised Sales Consultant provides you with information over the phone about the products we offer, to help you make a decision. 

This service is for customers who do not require any financial advice and are happy to transact without receiving recommendations from us.

There no advice charge for our non-advised service.

Full details of the charges and services that we offer are available in Our Terms of Business [PDF: 2.7MB].

When you open or manage your pension through our direct service you make your choice of product, fund and investment amount without any recommendation from us.

There is no advice charge for our direct service.

Full details of the charges and services that we offer are available in Our Terms of Business [PDF: 2.7MB].