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Barnett Waddingham
0333 11 11 222

Enhanced Protection

Published by Bhargaw Buddhdev on

We were asked to advise a Managing Director of a leading global company who was expected to lose Enhanced Protection because of on-going benefit accrual.

The pension issues were complex and required an urgent decision on whether to surrender Enhanced Protection in favour of Fixed Protection.  We were able to mitigate the potential tax liability by advising on the merits of drawing benefits in two stages (split crystallisation) whereby Enhanced Protection was retained.


This improved the value of the expected benefits at retirement significantly, whilst maintaining provision for life cover and dependants’ benefits.

About the authors

  • Bhargaw Buddhdev

    Bhargaw Buddhdev is a pensions actuary and he is our expert for dealing with pension taxation issues for individuals and their employers.

    View Biography

  • Lisa Lawson

    Lisa has a range of experience in providing advice to pension scheme trustees and sponsors including scheme funding issues, investment strategy and corporate accounting.

    View Biography

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