Should L&G DC Trustees be selling us “pensions made easy”?

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You can read the post from Helen McEwan from this link

First , let me get my grouch out, I am in a workplace L&G GPP and I and all like me, do not get a “member’s  forum” as  delivered above.  We don’t have trustees, we have an IGC and I wonder if we’re being “looked after” by our IGC as those in the two master trusts are being looked after. It lo0ks clear that GPPs are now legacy though I am told that I did get an invitation (missed it?)

Second, let me ask a question about the role of trustees like 

Should trustees be selling DC mastertrusts as making pensions easy?

The consultations for the UMER and Retirement CDC schemes make it clear that trustees are not going to be salespeople to retail customers (members).

Make your mind up what is gong on here. IMO this is a pitch to employers to use L&G or continue using L&G. The session is being promoted on Linked In and what is being promoted is the success of L&G and their Trustees to get their message across


Getting the message across (aka selling)

Below the message I got as an L&G policyholder about what I would be getting if I was a member.

As trustees of the L&G Master Trust, we really value connection and engagement with our members. In 2025, we were delighted to host not one, but two Annual Member Forums—each designed to support our members at every stage of their retirement savings journey.

What makes these forums special? They’re built around our members’ needs, providing clear information about pensions and a welcoming space to ask any question. The response has been fantastic: since moving our events online in 2020, over 62,000 members have joined us—transforming how we connect and share knowledge.

Some of the most asked questions from our members last year included:


Should I consolidate my pension pots, and how?

What tax will I pay on my pension?

How does the state pension work?

What are my retirement options and how much tax-free cash can I access?

How much should I be saving?

What happens to my pension if I pass away, and how do I nominate beneficiaries?

What can the App do?

How do investments work, and how can I compare options and charges?

What happens to my pension if I move abroad?

We’re proud to help so many people feel more confident about their financial future. If you’re curious to learn more, join us in 2026 – check out our annual pensions newsletter and watch it for yourself!

And in case you haven’t got a clear idea what this is about, here’s a virtue list to put as a big tick for L&G’s team…

hashtagPensions hashtagRetirement hashtagMemberEngagement hashtagFinancialWellbeing hashtagPensionEducation thanks to @sarahpengilly, Bethan Keddle and all the L&G team for making these events happen.


Where does education stop and selling start?

For me, the role of trustees is to make sure the members get the best deal from the pension. It would seem the questions and answers did not touch on pensions. That list above does not talk about how the pots that L&G’s master trusts and GPPs produce can turn into pensions at all? Are people not asking those kind of questions or have these forums become about wealth and saving?

There are a lot of photos of the presenters on the linked in post  but there is  nothing there about what worries me, a 64 year old with a pot and no pension.


High-Tec messaging misses the point

Are we now allowing the High-Tec presentation of presentable trustees to pretend that pensions are made easy? They are not easy! I can tell L&G (had I got a forum) that it is hard thinking of how to switch from work-based pay to pension pay.

We need to stop kidding ourselves that the people who turn up (62,000 in 5 years) are the people who trustees should worry about. Tesco have over 200,000 people in that pension scheme and they do not get a pension though they’re told it’s easy.

Those , like me , in L&G workplace personal pensions don’t get anything at all (I’m one).

L&G should stop patting itself on the back and start a debate about how staff get the deferred pay a pension promises.

High-Tec Sales Pitch?

PS L&G , can GPPS savers get a little better promotion of these events?

About henry tapper

Founder of the Pension PlayPen,, partner of Stella, father of Olly . I am the Pension Plowman
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