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Last updated on 22nd January 2026

The Normal Minimum Pension Age (NMPA)

The NMPA is the earliest age that most of our policyholders can access their pension.

The government is changing the Normal Minimum Pension Age from 55 to 57 with effect from 6 April 2028.

This coincides with the increase in the State Pension age to 67 and is intended to encourage people to remain in work and keep saving for retirement.

Please consider whether this change to the NMPA may affect your retirement plans.

MoneyHelper

MoneyHelper is available to make your money and pension choices clearer. It provides impartial guidance, is backed by the government and free to use.

Pension Wise

Pension Wise is a MoneyHelper service. It offers free and impartial guidance about options from defined contribution pension arrangements. 

Please note, except for any Additional Voluntary Contributions (AVCs) attaching to your Rothesay policy, your policy is not defined contribution.

Pension Wise

Scams are on the rise and we want to help you protect yourself from fraudsters

Please click on the link below for further information.

Avoiding scams