How to find a Legal & General pension
Tracking down old pensions can sometimes feel like a chore. Perhaps you’ve moved house, changed jobs, or simply forgot about a retirement plan started years ago. If one of your former employers used Legal & General for their workplace pension scheme—or you opened a personal Legal & General pension at some point—you may have money waiting. Here, we’ll walk you through the steps to find your Legal & General pension.
What is a “lost pension”?
A lost pension is any pension you’re no longer actively tracking. Even if you’ve misplaced the details, your investment is still there, growing over time. Reconnecting with your pensions helps you get a full picture of your retirement savings, so you can plan more effectively for the future.
Reasons to Trace Your Legal & General Pension
You might want to trace your pension if:
You’ve switched jobs and were automatically enrolled in an Legal & General workplace pension.
You have multiple pensions and want to consolidate them.
You’ve moved house, so Legal & General’s records may be outdated.
You’re reviewing your retirement savings and need a complete overview.
Steps to Find Your Legal & General Pension
Register for a Legal & General online account
Legal & General have an online platform for pension members. You will be required to register for an account to use their web based platform, or their mobile app. Here’s what to do:
Head to Legal & General's account registration page.
Enter your first name, last name, date of birth and post code (Hint: you will likely need to use the post code from your address when your employer opened your policy, which might not be your current address).
Access your policy information within your online account.
Once you’ve registered, you can log in online or through the mobile app to monitor your balance and view statements.
Note: you may require your Policy Number if Legal & General are not able to locate your policy with your basic personal details.
Call Legal & General Customer Services
If you’re missing your policy number, or you’re unsure whether you have an Legal & General pension at all, call Legal & General’s customer service line on 0345 070 8686. You’ll need to confirm your identity by providing:
Full name
Date of birth
National Insurance number
(Sometimes you'll also need to provide your current or previous addresses)
Their team will check if you have a pension policy on file. It might take some time to get through, but it’s a straightforward way to confirm any pension records.
Use a Financial Adviser
An independent financial adviser (IFA) can help locate, review, and potentially consolidate your pensions. Typically, they’ll send Letters of Authority to providers like Legal & General, requesting full policy information. Keep in mind:
IFAs charge fees for their service.
They can provide professional, personalised advice regarding retirement planning.
If you prefer expert guidance, this could be the route for you.
Look Through Old Paperwork
Although it may not be the most exciting step, digging up old paperwork can be the easiest way to find your Legal & General policy number. When your employer enrolled you, you should have received a welcome pack, along with annual statements or benefit summaries. It's understandable if you haven't retained these records, most don't, and it's also probable that you've moved address since your policy was opened and therefore may not have been receiving communications from Legal & General for some time.
Use Penny (or a Similar Service)
Pension-tracing services like Penny can help you locate multiple lost pensions—even if you’re uncertain who the providers might be. These services pull information from your personal details and employment history, saving you the effort of calling multiple providers or searching through countless documents. If you think you may have more than one pension lurking around, this could be a convenient option.
Ready to Track Down Your Legal & General Pension?
Whichever method you choose—creating an online account, making a phone call, consulting a financial adviser, sifting through paperwork, or using a tracing service—reconnecting with your Legal & General pension is well worth it. After all, every pot of retirement savings can make a difference when planning your future. If you suspect you have an Legal & General pension, why not start today? It’s a simple step toward getting a clear view of your overall retirement picture.
