Retirement

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Retirement

Safeguard your savings and enjoy peace of mind in your next chapter

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Key Financial Strategies for Retirement

As you near retirement or begin life after policing, your financial priorities likely shift from growing wealth to protecting what you’ve built. Whether you’re focusing on income stability, paying off a final mortgage, or securing your family’s future, Police Friendly has tailored options to minimise risk and maximise your peace of mind.

Steady Returns

Safeguard the nest egg you’ve accumulated with fixed-rate or with-profits products to maintain growth without high volatility.

Final Expenses & Legacy

Ensuring funeral costs and any outstanding debts are covered can bring great relief. If leaving a legacy is important, having life insurance or savings in place helps.

Access to Funds

You might still want flexibility for life’s occasional surprises—grandchildren’s gifts, travel, home improvements, etc.

Talk to us Browse relevant products

Retirement Seminars

We host regular free seminars for those looking to better understand their financial options when they retire. The seminars are different to the courses held by the MPS at Empress State Building that you may have attended.

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Bonds

Special offer

Lump Sum ISA

Invest a lump sum for 5 years with tax-free growth, bonuses, and access after 12 months.

Open a Lump Sum ISA

Invest from £2,000 tax-free up to current ISA limit of £20,000
Make additional payments from £2,000
100% protection from the Financial Services Compensation Scheme (no upper limit)

SPECIAL OFFER: Get 1% MORE added to your initial investment when you invest or transfer £10,000 or more by 30th June 2025.

Quote code SPRING25.
Terms and conditions apply.

Hassle free investing for the medium to long term, managed by experts
Fund designed to outperform cash returns
Transfer your ISA’s to us – it’s easy!
Take a look at our graph to see how the ISA can achieve growth
Find out more about our Lump Sum ISA through our Product Guide or Key Information Document (KID)

Special offer

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With-Profit Bond

Invest a single premium without fixed term to aim for steady growth, yearly bonuses, and a potential final payout too.

Open a With-Profit Bond

Invest from £2,000, with no upper limit
100% protection from the Financial Services Compensation Scheme (no cap)
The longer you invest, the better chance of a healthier return

SPECIAL OFFER: Get 1% MORE added to your initial investment when you invest £10,000 or more by 30th June 2025.

Quote code SPRING25
Terms and conditions apply.

Fund designed to outperform cash returns
No additional liability for basic or non-taxpayers
Find out more about our With Profit Bond through our Product Guide or Key Information Document (KID)

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5-Year Fixed Rate

Lock your savings away for five years at a guaranteed fixed rate, knowing exactly what mature value you will receive.

Open a 5-Year Fixed Rate Bond

22.25% return over 5 years guaranteed
Invest between £10,000 and £250,000
5.125%* gross equivalent interest rate - annual interest of 4.1% (net of basic rate tax)

Open with one, single payment – no additional contributions can be made
Your money is locked away for five years
Find out more about our With Profit Bond through - Important Information

* Gross interest figure based upon internal calculation for information only – please check your understanding with your own tax adviser.

"Very happy with the service. I have a number of policies for myself and my children."

Police Sergeant S Drysdale

"Very pleased with the service I've received to help me save money direct from my salary"

DC Chris

"I've used the service for the last 5 years and recently the money has gone towards a deposit for our house."

Mrs A. Cooper

Why Police Friendly?

Exclusive to the policing community

Designed for police officers, staff, and their families.

Tax-efficient savings

From ISAs to fixed-term plans, grow your money without unnecessary fees.

Straightforward application

Our online process lets you apply in minutes, with friendly support just a phone call away.

Proven track record

Backed by years of experience, our heritage shows real commitment to the police family.