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Legal & General · QROPS Transfer for NRIs
Transfer Your Legal & General UK Pension to an Indian QROPS without the guesswork.
Legal & General is one of the UK's major insurers, with deep roots in workplace pensions and a long history as an annuity provider. If you built up a pension with them during your UK working years and have now settled, or are settling, in India, we handle the entire move into an HMRC-recognised QROPS — compliant, tax-aware, and settled directly between providers.
India's Best QROPS Specialist · HMRC-recognised QROPS · 13+ years · 1500+ NRIs guided
Your Legal & General Pension
What kind of Legal & General pension are you likely holding?
Legal & General built its pensions business on two strong foundations: workplace saving and annuities, so most NRIs we talk to hold one of a few familiar product types.
Many NRIs hold a workplace defined contribution (DC) pension set up by a UK employer, often through auto-enrolment, with contributions invested across Legal & General's fund range. Others hold a legacy personal pension arranged independently, sometimes decades ago, before workplace auto-enrolment existed. Because Legal & General has such a long heritage as an annuity provider, a smaller number of NRIs also hold pension pots that were originally destined for, or already partly converted into, an annuity — which changes the transfer conversation considerably, since income already being paid out generally cannot be transferred into a QROPS.
The starting point for any transfer is establishing exactly which of these you have. A DC pension has a clear cash-equivalent transfer value you can request directly from Legal & General. An annuity in payment is a different matter entirely, and we'll tell you honestly if that's your situation before any further work begins.
Transfer Considerations
What matters most when moving a Legal & General pension
The rules that govern this transfer come from HMRC, not Legal & General — so getting the compliance side right protects you, whichever provider you're moving from.
ROPS verification first
Before Legal & General releases a single rupee, we confirm your receiving scheme is on HMRC's recognised overseas pension scheme list.
Avoiding the 55% penalty
Transferring to an unrecognised scheme can trigger an unauthorised payment charge of up to 55% of the transfer value — a risk we eliminate upfront.
HMRC-compliant paperwork
Discharge forms, ID verification and provider declarations are all prepared to be accepted by Legal & General the first time.
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Related pages & other providers
The transfer process
A step-by-step look at how your money moves. See the process →
Talk to us
Start your Legal & General QROPS assessment today. Contact us →
Other providers
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Start with a Free Assessment
Ten minutes is all it takes to know where your Legal & General pension stands.
Tell us about your Legal & General scheme and where you're settling. We'll come back with a clear, no-obligation read on whether a QROPS transfer is right for you, what it would cost, and how long it would take.