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Contracting-out Frequently Asked Questions (FAQs)

1. Contracting-out factsheet from the Financial Services Authority (FSA)

The FSA has produced a factsheet called "The State Second Pension - should you be contracted out?" which can be downloaded from their Moneymadeclear website. You can access the relevant section of the Moneymadeclear website by clicking here.

2. Contracting-out information from the Association of British Insurers (ABI)

In conjunction with the Association of Independent Financial Advisers (AIFA), the ABI has produced a contracting-out fact sheet and Question and Answer document. Together these cover some of the points to consider when deciding whether or not to remain contracted-out of the State Second Pension (S2P). Click on the links below to access these documents:

• ABI/AIFA Factsheet: Pensions and contracting-out: Important Information (September 2005) (193Kb)
• Question and Answer document (73Kb)

3. Windsor Life contracting-out of the Second State Pension question & answers

• Windsor Life question and answer document: contracting-out of the State Second Pension (S2P) (127Kb)

IMPORTANT NOTES

• Windsor Life is regulated and authorised by the FSA. We do not give advice, therefore nothing in this document forms financial advice or a recommendation from us for any individual to contract-out or remain contracted-out of the State Second Pension. If you do wish to consult on your personal circumstances before deciding, you should consult an independent professional adviser. Please note that this would be at your own expense.
• We base this document on our understanding of current UK law and UK Government practice, which may change in the future.

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