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Reply-To: <contact@pensionbee.com>
From: "PensionBee" <marketing@hello.pensionbee.com>
To: <bob@sarahharvey.com>
Subject: How can I trace my old pensions?
Date: Sat, 21 Feb 2026 18:46:24 -0000
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Hi Robert,



It can be hard to track down old pension pots, especially if you’ve had 
several jobs or moved house. Here are four ways to find them:


1.	Contact your previous pension provider.
2.	Contact the HR department of your previous employer.
3.	Check in with the Department for Work and Pensions (DWP) if you worked in 
the public sector.
4.	Use the government’s free Pension Tracing Service.


Once you’ve found your previous pension pots, you could combine them into 
one place with PensionBee. Here’s a reminder of some of the benefits:


*	see your pension balance in one place - anytime, anywhere;
*	leave the piles of paperwork behind, we’re digital so you can access 
everything online; and
*	manage your retirement savings simply and conveniently from one account.

It only takes a few minutes to complete your sign up.


Finish your sign up




When investing, your capital is at risk. Pensions can go down in value as 
well as up, so you could get back less than you invest.




Have a question?

Get in touch with our friendly UK team.





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portant}.em_w1{width:20px!important}}</style> </head> <table =
width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" =
class=3D"em_full_wrap" align=3D"center"> <tr> <td align=3D"center" =
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cellspacing=3D"0" cellpadding=3D"0" class=3D"em_main_table" =
style=3D"width:600px; table-layout:fixed;"> <tr> <td width=3D"25" =
style=3D"width:25px;" class=3D"em_side15"><img src=3D"images/spacer.gif" =
width=3D"1" height=3D"1" alt=3D"" style=3D"display:block;" =
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line-height:1px;" class=3D"em_h20"><img src=3D"images/spacer.gif" =
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href=3D"https://links.pensionbee.com/s/vb/aUwoQrG-G2R68-GgFYIU7XIF3YJlBEG=
xMWzm0ihk_7ePx4njdMwzt-QXHTB-VWhx393pPhaNlJTIwig7ZS9s19ktSBuDu28nVLvnvkHA=
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cellpadding=3D"0" cellspacing=3D"0" class=3D"em_wrapper" =
style=3D"width:600px;" width=3D"600"> <tr> <td align=3D"center" =
bgcolor=3D"#f9c000" class=3D"em_p1" style=3D"background-color:#343a40; =
padding:17px 25px;" valign=3D"top"> <table align=3D"center" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" width=3D"100%"> <tr> <td =
align=3D"left" style=3D"width:126px;" valign=3D"top" width=3D"126"> <a =
data-linkto=3D"https://" =
href=3D"https://links.pensionbee.com/s/c/8rg_90Bx6qiJyGhoXfy5_LfGfEQOodbu=
v3gbNBOz85on_-ETyFmemKPFfYuVS53Y_URmUWpedcGirQWtHIhjHphyW_YEITLZTDSkyBCPw=
Bw7JvHF3udasudl35ie6HXmBN8pLcr7zCNiTHWpnnYJ-WzYfHYjfxF6RfSod3uIMTYOspMjfF=
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Sxi0Vhnc_zZpJ53z2okG_03064v1vNReXWYsXcmI3PlZ8nDGpcGfIq-lSMVnoW764sCdksHCo=
lLBa-JnOHhS5JXFIboTKlxM8hGjlwlika7chJdDA3mxnf0vdgat2g/uq4K57qHAKUEJ0QI99e=
sjyuUyOZsZRUP/18" style=3D"text-decoration:none;" target=3D"_blank" =
title=3D""><img alt=3D"Pension Bee" =
src=3D"https://res.cloudinary.com/pensionbee/image/upload/v1731506007/ema=
ils/email_templates.png" style=3D"display: block; max-width: 126px; =
font-family: Arial, sans-serif; font-size: 15px; line-height: 18px; =
color: #000000; padding: 0px; text-align: center; height: auto; width: =
100%;" width=3D"126"></a> </td> <td class=3D"em_side15" =
style=3D"width:353px;" width=3D"353"> &nbsp; </td> <td align=3D"center" =
valign=3D"top"> <table align=3D"right" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" style=3D"width:95px;" width=3D"95"> <tr> <td =
align=3D"center" bgcolor=3D"#343a40" height=3D"42" style=3D"height:42px; =
background-color:#f9c000; border-radius: 4px; font-family: 'Ryo Gothic =
PlusN', Arial, sans-serif; font-size:16px; color:#FFFFFF; =
font-weight:550;" valign=3D"middle"> <a data-linkto=3D"https://" =
href=3D"https://links.pensionbee.com/s/c/jUbfCOcgNfvzLYqnXwIwiUjQjfvJxIiZ=
gAn6Be6tzWTUKD6ZeMqddZVEz8J5OqBRB4PepJ-Co9kRYLhNy5Kl2LLAKyvw3jvz5u_V-lMzQ=
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8VHO1SamXXDQj4nUC1VP6q3_jfsxB5hLSwnH2NSobsIkOPRfmZv9Q/1iNOAYabZ5uGvQYJhmO=
MBsPCUTAhM9k0/18" style=3D"color:#343a40;text-decoration:none; =
display:block; line-height:42px;" target=3D"_blank" title=3D"">Log =
in</a> </td> </tr> </table> </td> </tr> </table> </td> </tr> =
</table></div></td></tr></table><table class=3D"image_block block-2" =
width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
role=3D"presentation" style=3D"box-sizing: border-box; mso-table-lspace: =
0; mso-table-rspace: 0;"><tr style=3D"box-sizing: border-box;"><td =
class=3D"pad" style=3D"box-sizing: border-box; width: 100%;" =
width=3D"100%"><div class=3D"alignment" align=3D"center" =
style=3D"box-sizing: border-box;"><div style=3D"box-sizing: border-box; =
max-width: 600px;"><a =
href=3D"https://links.pensionbee.com/s/c/EYW0qpazKhLf7JiG1ZG6bY1k0TvWPg25=
xCixnjeUaDB7zWNcD6QPm2EAmTN4yBo4Sqzmvtul31WqHOLrE1vfT7qJoiDVcPjhpi1iNSDiK=
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66VNOKvU39ZZ2l2/18" target=3D"_blank" style=3D"box-sizing: =
border-box;"><img =
src=3D"https://res.cloudinary.com/pensionbee/image/upload/v1724855053/ema=
ils/2024/How_can_I_find_my_pensions__close_crop.png" =
style=3D"box-sizing: border-box; display: block; height: auto; border: =
0; width: 100%;" width=3D"600" alt=3D"Image" title=3D"Image" =
height=3D"auto"></a></div></div></td></tr></table></td></tr></tbody></tab=
le></td></tr></tbody></table><table class=3D"row row-2" align=3D"center" =
width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
role=3D"presentation" style=3D"box-sizing: border-box; mso-table-lspace: =
0; mso-table-rspace: 0;"><tbody style=3D"box-sizing: border-box;"><tr =
style=3D"box-sizing: border-box;"><td style=3D"box-sizing: =
border-box;"><table class=3D"row-content stack" align=3D"center" =
border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" =
style=3D"box-sizing: border-box; mso-table-lspace: 0; mso-table-rspace: =
0; border-radius: 0; color: #000; width: 600px; margin: 0 auto;" =
width=3D"600"> <tbody style=3D"box-sizing: border-box;"><tr =
style=3D"box-sizing: border-box;"><td class=3D"column column-1" =
width=3D"100%" style=3D"box-sizing: border-box; mso-table-lspace: 0; =
mso-table-rspace: 0; font-weight: 400; text-align: left; padding-bottom: =
5px; padding-top: 5px; vertical-align: top;" align=3D"left" =
valign=3D"top"><table class=3D"text_block block-1" width=3D"100%" =
border=3D"0" cellpadding=3D"10" cellspacing=3D"0" role=3D"presentation" =
style=3D"box-sizing: border-box; mso-table-lspace: 0; mso-table-rspace: =
0; word-break: break-word;"><tr style=3D"box-sizing: border-box;"><td =
class=3D"pad" style=3D"box-sizing: border-box;"><div =
style=3D"box-sizing: border-box; font-family: sans-serif;"><div class =
style=3D"box-sizing: border-box; font-size: 12px; font-family: =
Arial,'Helvetica Neue',Helvetica,sans-serif; mso-line-height-alt: 18px; =
color: #3a342c; line-height: 1.5;"><p style=3D"box-sizing: border-box; =
line-height: inherit; margin: 0; font-size: 16px; mso-line-height-alt: =
24px;"><span style=3D"box-sizing: border-box; word-break: break-word; =
font-size: 16px;"><span style=3D"box-sizing: border-box; word-break: =
break-word;">Hi Robert,</span></span></p><p style=3D"box-sizing: =
border-box; line-height: inherit; margin: 0; font-size: 16px; =
mso-line-height-alt: 18px;">&nbsp;</p><p style=3D"box-sizing: =
border-box; line-height: inherit; margin: 0; font-size: 16px; =
mso-line-height-alt: 24px;"> <span style=3D"box-sizing: border-box; =
word-break: break-word; font-size: 16px;">It can be hard to track down =
old pension pots, especially if you=E2=80=99ve had several jobs or moved =
house. Here are four ways to find them:<br style=3D"box-sizing: =
border-box;"></span></p><ol style=3D"box-sizing: border-box; font-size: =
16px;"><li aria-level=3D"1" style=3D"box-sizing: border-box;"><span =
style=3D"box-sizing: border-box; word-break: break-word; font-size: =
16px;">Contact your previous pension provider.</span></li><li =
aria-level=3D"1" style=3D"box-sizing: border-box;"><span =
style=3D"box-sizing: border-box; word-break: break-word; font-size: =
16px;">Contact the HR department of your previous =
employer.</span></li><li aria-level=3D"1" style=3D"box-sizing: =
border-box;"><span style=3D"box-sizing: border-box; word-break: =
break-word; font-size: 16px;">Check in with the <a =
href=3D"https://links.pensionbee.com/s/c/enKMRk9oSgz7IDBqIW1aZ4GVPeO3Y-aW=
YbTdS3sz3FJjMaW9fk0tyI2gMVHGYWtPj5wTvf1xcDD7L38oxOB0aTVFRkle0zAmQPoJhsKOe=
0-_IJs1AVcmyMw2y-UcRYj-dsk6OBmyH-zaz9Wln6Lvz0curJV_fBbwAkq71ejsFr6oYTupJt=
99Wl2Mb6sI07ixjRur2nBCcTK9xSY3S_uwFWKVIsfkzYvA5Ozm7WIPZa7l83n6OQ91kK_EVOH=
WagN5PIOv4SUthnsyXqYDElCckK44MadWqaQHqvw8COs9q7ebRrmglbFRynhRaUICrHe1eysU=
yvLDb6IVNmPWlCE2BYyvRvC4a1OGdSRv0vqHkWtjgeJfLWIHNiIT_TQv0Aoy0FkNTgTL9t4jW=
QhyRpryUif7T8DmkizAdINXVWTU_hoaPSm1s4vhUrAlfOhoQxIdtGUfGQaQKN-KeqGShCZ8lP=
nMfYc7G2zx5GFvd2lMxizbANT-y05rUXdleViKYWlcw78qKGOX8B5iH84lMA/8etx-G99-IGE=
ydrWqaaWw4BF2WDMymW9/18" target=3D"_blank" style=3D"box-sizing: =
border-box; text-decoration: none; color: #007db7;" =
rel=3D"noopener">Department for Work and Pensions</a> (DWP) if you =
worked in the public sector.</span></li><li aria-level=3D"1" =
style=3D"box-sizing: border-box;"> <span style=3D"box-sizing: =
border-box; word-break: break-word; font-size: 16px;">Use the =
government=E2=80=99s free <a =
href=3D"https://links.pensionbee.com/s/c/abloGsBP9aBMAvzgLPkLBHUsRSGGpvd4=
SIMU3hSqk4AB_4wCHNS8bZ0e-ulz2BwZ0p77WtD_Am-4p4yZ04IVjsVvkAv6RicsSvCZsCDAo=
EAL7uLztzt6DkP1dHLkvzRZMEoE8daVGEYgTr2OBVBsOkKFO5dPdTF8djaqSHQ2fmV7BIAejT=
KmfStETYld-M2yZe_ZuNYbhVu-wTyN8pvT066FDcu_NI1WPIPTAj7M8aqSiGgxuN7iazTohY3=
OYFfNhxNMMBGQasPob5GXFa1mQSlUBeCzhr0ByD9Km0FM7x3rgcAi53S7bB6OkIc4GmaAnB1Z=
IYIvHcHxlqkaHuYrigFn93Onn0sAIWsMB8O-vrZrwL74MpXEi0ZgQY_IeG3MGkCQhOZo124PX=
5ohcJ4JCNZsdEahxe5rrZX44hegZAG2jYFegLa-ih692hmcDLwPvSLVvIAnGWJXIRw/RvlGBV=
hMertJQP5MAtyhzzlJXwU95k7i/18" target=3D"_blank" style=3D"box-sizing: =
border-box; text-decoration: none; color: #007db7;" =
rel=3D"noopener">Pension Tracing Service</a>.<br style=3D"box-sizing: =
border-box;"></span></li></ol><p style=3D"box-sizing: border-box; =
line-height: inherit; margin: 0; font-size: 16px; mso-line-height-alt: =
24px;"> <span style=3D"box-sizing: border-box; word-break: break-word; =
font-size: 16px;">Once you=E2=80=99ve found your previous pension pots, =
you could combine them into one place with PensionBee. Here=E2=80=99s a =
reminder of some of the benefits:<br style=3D"box-sizing: =
border-box;"></span></p><ul style=3D"box-sizing: border-box; =
line-height: 1.5; mso-line-height-alt: 24px; font-size: 16px;"><li =
aria-level=3D"1" style=3D"box-sizing: border-box;"><span =
style=3D"box-sizing: border-box; word-break: break-word; font-size: =
16px;">see your pension balance in one place - anytime, =
anywhere;</span></li><li aria-level=3D"1" style=3D"box-sizing: =
border-box;"> <span style=3D"box-sizing: border-box; word-break: =
break-word; font-size: 16px;">leave the piles of paperwork behind, =
we=E2=80=99re digital so you can access everything online; =
and</span></li><li aria-level=3D"1" style=3D"box-sizing: =
border-box;"><span style=3D"box-sizing: border-box; word-break: =
break-word; background-color: transparent; font-size: 16px;">manage your =
retirement savings simply and conveniently from one =
account.</span></li></ul><p style=3D"box-sizing: border-box; =
line-height: inherit; margin: 0; font-size: 16px; mso-line-height-alt: =
24px;"> <span style=3D"box-sizing: border-box; word-break: break-word; =
font-size: 16px;">It only takes a few minutes to complete your sign =
up.</span></p></div></div></td></tr></table><table class=3D"button_block =
block-2" width=3D"100%" border=3D"0" cellpadding=3D"10" =
cellspacing=3D"0" role=3D"presentation" style=3D"box-sizing: border-box; =
mso-table-lspace: 0; mso-table-rspace: 0;"><tr style=3D"box-sizing: =
border-box;"><td class=3D"pad" style=3D"box-sizing: border-box;"><div =
class=3D"alignment" align=3D"center" style=3D"box-sizing: =
border-box;"><a =
href=3D"https://links.pensionbee.com/s/c/4_NTQxsz6FTSRGIAtXslsYEe5SddbndD=
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background-color: #f9c000; mso-shading: transparent; border-bottom: 0px =
solid transparent; border-left: 0px solid transparent; border-radius: =
12px; border-right: 0px solid transparent; border-top: 0px solid =
transparent; color: #000000; display: inline-block; font-family: Arial, =
'Helvetica Neue', Helvetica, sans-serif; font-size: 16px; font-weight: =
400; mso-border-alt: none; padding-bottom: 5px; padding-top: 5px; =
padding-left: 20px; padding-right: 20px; text-align: center; width: =
auto; word-break: keep-all; letter-spacing: normal;"><span =
style=3D"box-sizing: border-box; word-break: break-word; line-height: =
32px;"><strong style=3D"box-sizing: border-box;">Finish your sign =
up</strong></span></span> <!--[if =
mso]></center></v:textbox></v:roundrect><![endif]--></a></div></td></tr><=
/table></td></tr></tbody></table></td></tr></tbody></table><table =
class=3D"row row-3" align=3D"center" width=3D"100%" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" =
style=3D"box-sizing: border-box; mso-table-lspace: 0; mso-table-rspace: =
0;"><tbody style=3D"box-sizing: border-box;"><tr style=3D"box-sizing: =
border-box;"><td style=3D"box-sizing: border-box;"><table =
class=3D"row-content stack" align=3D"center" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" =
style=3D"box-sizing: border-box; mso-table-lspace: 0; mso-table-rspace: =
0; color: #333; width: 600px; margin: 0 auto;" width=3D"600"><tbody =
style=3D"box-sizing: border-box;"><tr style=3D"box-sizing: =
border-box;"><td class=3D"column column-1" width=3D"100%" =
style=3D"box-sizing: border-box; mso-table-lspace: 0; mso-table-rspace: =
0; font-weight: 400; text-align: left; padding-bottom: 30px; =
padding-top: 15px; vertical-align: top;" align=3D"left" =
valign=3D"top"><table class=3D"text_block block-1" width=3D"100%" =
border=3D"0" cellpadding=3D"10" cellspacing=3D"0" role=3D"presentation" =
style=3D"box-sizing: border-box; mso-table-lspace: 0; mso-table-rspace: =
0; word-break: break-word;"><tr style=3D"box-sizing: border-box;"><td =
class=3D"pad" style=3D"box-sizing: border-box;"><div =
style=3D"box-sizing: border-box; font-family: sans-serif;"><div class =
style=3D"box-sizing: border-box; font-size: 14px; font-family: =
Arial,'Helvetica Neue',Helvetica,sans-serif; mso-line-height-alt: 28px; =
color: #3a342c; line-height: 2;"><p style=3D"box-sizing: border-box; =
line-height: inherit; margin: 0; font-size: 14px; text-align: center; =
mso-line-height-alt: 28px;"><em style=3D"box-sizing: border-box;">When =
investing, your capital is at risk. Pensions can go down in value as =
well as up, so you could get back less than you =
invest.</em></p></div></div></td></tr></table><table class=3D"text_block =
block-2" width=3D"100%" border=3D"0" cellpadding=3D"5" cellspacing=3D"0" =
role=3D"presentation" style=3D"box-sizing: border-box; mso-table-lspace: =
0; mso-table-rspace: 0; word-break: break-word;"><tr =
style=3D"box-sizing: border-box;"><td class=3D"pad" style=3D"box-sizing: =
border-box;"><div style=3D"box-sizing: border-box; font-family: =
sans-serif;"><div class style=3D"box-sizing: border-box; font-size: =
14px; font-family: Arial,'Helvetica Neue',Helvetica,sans-serif; =
mso-line-height-alt: 21px; color: #3a342c; line-height: 1.5;"><p =
style=3D"box-sizing: border-box; line-height: inherit; margin: 0; =
font-size: 14px; text-align: center; mso-line-height-alt: =
21px;">&nbsp;</p><p style=3D"box-sizing: border-box; line-height: =
inherit; margin: 0; font-size: 14px; text-align: center; =
mso-line-height-alt: 21px;"> <span style=3D"box-sizing: border-box; =
word-break: break-word; color: #000000;"><strong style=3D"box-sizing: =
border-box;">Have a question?</strong></span></p><p style=3D"box-sizing: =
border-box; line-height: inherit; margin: 0; font-size: 14px; =
text-align: center; mso-line-height-alt: 21px;">Get in touch with our =
friendly UK team.</p></div></div></td></tr></table><table =
class=3D"html_block block-3" width=3D"100%" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" =
style=3D"box-sizing: border-box; mso-table-lspace: 0; mso-table-rspace: =
0;"><tr style=3D"box-sizing: border-box;"><td class=3D"pad" =
style=3D"box-sizing: border-box;"><div style=3D"box-sizing: border-box; =
font-family: Arial,'Helvetica Neue',Helvetica,sans-serif; text-align: =
center;" align=3D"center"><table align=3D"center" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" class=3D"em_wrapper" style=3D"width: =
600px;" width=3D"600"> <tbody> <tr> <td align=3D"center" class=3D"em_p3" =
style=3D"padding: 15px 70px;" valign=3D"top"> <table align=3D"center" =
border=3D"0" cellpadding=3D"0" cellspacing=3D"0" width=3D"100%"> <tbody> =
<tr> <td valign=3D"top"> <table align=3D"left" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" class=3D"em_wrapper" style=3D"width: =
290px;" width=3D"290"> <tbody> <tr> <td align=3D"center" valign=3D"top"> =
<table align=3D"left" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"em_wrapper" style=3D"width: 130px;" width=3D"130"> <tbody> <tr> =
<td align=3D"center" class=3D"em_h0" height=3D"31" style=3D"height: =
31px;" valign=3D"middle"><img alt=3D"" border=3D"0" =
src=3D"https://res.cloudinary.com/pensionbee/image/upload/v1731507652/ema=
ils/Call_us.png" style=3D"display: block; max-width: 30px; font-family: =
Arial, sans-serif; font-size: 15px; line-height: 18px; color: #000000; =
padding: 0px; text-align: center; height: auto; width: 100%;" =
width=3D"30"></td> </tr> <tr> <td align=3D"center" =
class=3D"em_defaultlink" style=3D"padding-top: 9px; font-family: 'Open =
Sans', Arial, sans-serif; font-size: 12px; line-height: 22px; color: =
#000000; font-weight: 750;" valign=3D"top">020 3457 8444&nbsp;</td> =
</tr> <tr> <td class=3D"em_defaultlink" style=3D"padding-top: 12px; =
font-family: 'Open Sans', Arial, sans-serif; font-size: 11px; =
line-height: 16px; color: rgb(0, 0, 0); font-weight: 400; =
letter-spacing: 0.3px; text-align: center;" valign=3D"top">Monday - =
Friday: 9:30am-5pm</td> </tr> </tbody> </table> <table align=3D"right" =
border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=3D"em_wrapper" =
style=3D"width: 130px;" width=3D"130"> <tbody> <tr> <td align=3D"center" =
class=3D"em_h0 em_pt25" height=3D"31" style=3D"height: 31px;" =
valign=3D"middle"><img alt=3D"123" border=3D"0" =
src=3D"https://res.cloudinary.com/pensionbee/image/upload/v1731507652/ema=
ils/Email_us.png" style=3D"display: block; max-width: 34px; font-family: =
Arial, sans-serif; font-size: 15px; line-height: 18px; color: #000000; =
padding: 0px; height: auto; width: 100%; text-align: center;" =
width=3D"30"></td> </tr> <tr> <td class=3D"em_defaultlink" =
style=3D"padding-top: 9px; font-family: 'Open Sans', Arial, sans-serif; =
font-size: 12px; line-height: 22px; color: rgb(0, 0, 0); font-weight: =
750; text-align: center;" valign=3D"top"><span style=3D"color: rgb(0, 0, =
0);"><a href=3D"mailto:contact@pensionbee.com?subject=3D" =
style=3D"text-decoration: none; color: rgb(0, 0, 0);" =
title=3D"contact@pensionbee.com" =
data-linkto=3D"mailto:">contact@pensionbee.com</a></span></td> </tr> =
<tr> <td class=3D"em_defaultlink" style=3D"padding-top: 12px; =
font-family: 'Open Sans', Arial, sans-serif; font-size: 11px; =
line-height: 16px; color: rgb(0, 0, 0); font-weight: 400; =
letter-spacing: 0.3px; text-align: center;" valign=3D"top">Send us an =
email and we'll get back to you as soon as possible</td> </tr> </tbody> =
</table> </td> </tr> </tbody> </table> <table align=3D"right" =
border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=3D"em_wrapper" =
style=3D"width: 130px;" width=3D"130"> <tbody> <tr> <td align=3D"center" =
class=3D"em_h0 em_pt25" height=3D"31" style=3D"height: 31px;" =
valign=3D"middle"><img alt=3D"" border=3D"0" =
src=3D"https://res.cloudinary.com/pensionbee/image/upload/v1731507653/ema=
ils/Live_chat.png" style=3D"display: block; max-width: 34px; =
font-family: Arial, sans-serif; font-size: 15px; line-height: 18px; =
color: #000000; padding: 0px; height: auto; width: 100%; text-align: =
center;" width=3D"28"></td> </tr> <tr> <td align=3D"center" =
class=3D"em_defaultlink" style=3D"padding-top: 7px; font-family: 'Open =
Sans', Arial, sans-serif; font-size: 12px; line-height: 22px; color: =
#000000; font-weight: 750;" valign=3D"top"><a =
href=3D"https://links.pensionbee.com/s/c/nSa3EfMrUtNPeHOH4HXYttPm0azb21ZN=
8gwevNSoFQ2Flm2ECXgUrz04MQbLwALXNPzifyQI-5KEUYtpkvOZEJVtaCQQ1ZSxi6-EruGso=
9XW3l69Lc2vaJNUHt3mSWQJnxOarn8xFr1vLtkIFMfAfPusvtaSfgC7XAGT8Ie9mdkd4-fSAo=
LRX8tKfbdwTbzbflDd1VAy70q5Zp0k2MKIvtqIfYq_j8dQ7LZqlH-9ECh58x8rACChgc0Q5je=
kUi6VGzX7YNLPsVbc7DnftXx9idgtNluPDHAUTJfnPlyt81qLGne4ENQcyr1WCQaiSslcymZc=
3M_hh6uJos4XZVq_V-nAxmLQE3_mxcsgEXLpxjTYmM5O6BDbm4N2WmbSUH-OIBlv3fFNQOEV2=
bs5KT4QBDyN/IKwFiJoWwoMG0QtEG6vM20kgBI1uBXqV/18" =
style=3D"text-decoration: none;" title=3D"Launch live chat" =
data-linkto=3D"https://"><span style=3D"color: rgb(0, 0, 0);">Launch =
live chat</span></a></td> </tr> <tr> <td class=3D"em_defaultlink" =
style=3D"padding-top: 12px; font-family: 'Open Sans', Arial, sans-serif; =
font-size: 11px; line-height: 16px; color: rgb(0, 0, 0); font-weight: =
400; letter-spacing: 0.3px; text-align: center;" valign=3D"top">Speak to =
a member of our friendly team now</td> </tr> </tbody> </table> </td> =
</tr> <tr> <td valign=3D"top"><br>&nbsp;</td> </tr> </tbody> </table> =
</td> </tr> </tbody> </table> <table align=3D"center" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" class=3D"em_wrapper" style=3D"width: =
600px;" width=3D"600"> <tbody> <tr> <td align=3D"center" valign=3D"top"> =
<table align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
width=3D"100%"> <tbody> <tr> <td bgcolor=3D"#F9C000" height=3D"12" =
style=3D"height: 12px; font-size: 0px; line-height: 0px;">&nbsp;</td> =
</tr> <tr> <td align=3D"center" class=3D"em_p30" style=3D"padding: 30px =
20px;" valign=3D"top"> <table align=3D"center" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" width=3D"100%"> <tbody> <tr> <td =
align=3D"center" valign=3D"top"> <table align=3D"center" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" class=3D"em_wrapper" style=3D"width: =
442px;" width=3D"442"> <tbody> <tr> <td valign=3D"top"> <table =
align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"em_wrapper" style=3D"width: 279px;" width=3D"279"> <tbody> <tr> =
<td align=3D"center" valign=3D"top"> <p style=3D"font-family: Arial, =
Arial Black, Tahoma, Trebuchet MS, Verdana, sans-serif; font-size: 12px; =
color: #aaa; text-decoration: none;"><a =
href=3D"https://links.pensionbee.com/s/c/69RopgP9u4_I31HyJOr8eCmL3-81BZKN=
qSC8UH6_Oyrc8wEGh74Sr9xhW5Q5n6efOY_uRZq-UTeJ4HvkLGIIFP-IdG15QBI3_PQKadc8l=
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OAIK3Q0iwGFGrLoOLDYlHs3CLnrD2MEfhO_IGwAaIt9xX37LJLwSV7xCil2l7sB0KCfsZAR_1=
INv1RnmbBYW7uGiAS3nodRIe7rj_gDr99_dHX374EHeeLGAVsF_8LHnKG_DCzsv6jYWbth4T8=
nfydz57VD7zhhIgUvvhC0N4Khz9AXbxtlws9AyMIMLripA897PQw-_TrfFe25-g2YfVgHJJYA=
oJnkdQi34xAWRXGzzSSYdNxbFylcaymhvCuTASkcAgtitvsHfNVu5va7lloeBFjWEfHRY60WK=
sEG_sj7wM34wJf4m2wgP9fKSGxIzWpsrNtxjWmjBEIMg7/sogAy9eTfVr0eY7YflwPWktpglw=
lnRLX/18" rel=3D"noopener noreferrer" style=3D"text-decoration: none; =
text-underline: none;" target=3D"_blank"> <img alt=3D"Trustpilot rating" =
border=3D"0" height=3D"16" =
src=3D"https://emailsignature.trustpilot.com/signature/en-US/2/55f7e14b00=
00ff0005835423/text.png" style=3D"max-height: 16px; margin: 0; padding: =
0; width: auto; border: none;"> <br><img alt=3D"Trustpilot Stars" =
border=3D"0" height=3D"40" =
src=3D"https://emailsignature.trustpilot.com/signature/en-US/2/55f7e14b00=
00ff0005835423/stars.png" style=3D"max-width: 160px; width: 100%; =
max-height: 40px; border: none;" width=3D"160"> </a> <br><a =
href=3D"https://links.pensionbee.com/s/c/QZj2GlLYxn1ux_196qwNP9iTqOU017MR=
ttgg3VwoPofwaKmSLoYnLx8GybWXd9nhgUTS7-EvHAhLFEapDlOr9Zya2oC2t1nHT6I_lUcAF=
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OcT0y4hg4OqxrBJRtgAccqTW0qR7IL8CZ5ZxIcPEblp-jMuwotZWYgcvF4t2IJKVbbPVTzItg=
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pNc5PtGGcqg5U2d5adI2LTdXF66iGvzYXMr9IrM_z9GpR/PDqlgwdWyiJmtPxzqbOyyCeWMP4=
ndRcz/18" rel=3D"noopener noreferrer" style=3D"text-decoration: none; =
text-underline: none;" target=3D"_blank"> <img alt=3D"Trustpilot Logo" =
border=3D"0" height=3D"20" =
src=3D"https://emailsignature.trustpilot.com/brand/s/2/logo.png" =
style=3D"max-width: 79px; width: 100%; max-height: 20px; border: none;" =
width=3D"79"> </a></p> <p></p> <table stlye=3D"margin-top: 16px;" =
align=3D"left" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"em_wrapper" style=3D"width: 123px;" width=3D"123"> <tbody> =
<tr></tr> </tbody> </table> </td> </tr> </tbody> </table> </td> </tr> =
</tbody> </table> <table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0"> <tbody> <br> <tr> <td align=3D"center" =
valign=3D"top"><a =
href=3D"https://links.pensionbee.com/s/c/G2NA7MtLI5UB3gG9pYiXtdIvLB9-qj9f=
YVJ4Lfz556cFdhZNXWff0Wiv4mYWOiwgKPk9DKuB3rHSLGuSquALfhGdt7W94pss1mV4j60my=
caxBwFpzGl5R-8ODXU2giT_sTjVOqF_YqfJYwQ9PCI8AK5jCWjczacfczd9LUjCfBCQfjSU4l=
J2xOcKwW9MEweS5Ou7AVZD3wh8LGw7MQopKMMvK5PQGYIV5wbIOY5uCcJXIHwfJO2Swz0vrJJ=
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HJECWXf5DzVqEvpJbqFA0cc6NdNWWzD0ayhiECigt_MFHtkDU6M99uEGTmGsTnaaoppzld0li=
Iu4r0KBfkivPe1rAPGOEeuPJKQ0UaLL/vNgr99ptcoM0CTTCuz7owf6JCttA6P6p/18" =
rel=3D"noopener" style=3D"text-decoration: none;" target=3D"_blank" =
title=3D"" data-linkto=3D"https://"><img alt=3D"fb" =
src=3D"https://res.cloudinary.com/pensionbee/image/upload/v1731515759/ema=
ils/Social_icons_Facebook_yellow.png" style=3D"display: block; =
max-width: 32px; font-family: Arial, sans-serif; font-size: 15px; =
line-height: 18px; color: #000000; padding: 0px; text-align: center; =
height: auto; width: 100%;" width=3D"32"></a></td> <td class=3D"em_w1" =
style=3D"width: 15px;" width=3D"30"></td> <td align=3D"center" =
valign=3D"top"><a =
href=3D"https://links.pensionbee.com/s/c/627Tzd2HuZK1aMVXLnMYHdWBe7Hu0Ydq=
xD1ALWt91fMpACutJApiB7LkQzz2uNlOXJigWWL0itBau87iPYTXTM6ESrsRCKQo2FpXWJWxM=
AqlbDJ3sAzGtWT6wQQwHW68hgcQ8joScnTqAj9-S1dN9rsSu6VxS5MK0wYTmtI3_L6p_6c3jx=
4wLgs7-UM-ktXv33js4vcCbedQwOYkxBBsBKecAtLNQHPV_veEwcdNu7sk9R_Sb10V6lg4Sg_=
hSE5Akk4UkqA9peEg7c4Y-J0F67YD0ly8u5aOx5Td2qm3yJgvP1nh_KLg4YthE-PyMw8yt-lp=
2NbAHLwspO9yVyuEI9VWnUTuzmknVWP4NMB20ko_ufU_LaZJ_TG-nIh_3oxqWGGoiHT3oB_Ii=
kf3J7Jw-7rKCDm5GeI7Q8tV_UYcYRGa/O4L8UNuaGC6m9VUtgZVhI8lWwO2TbyF0/18" =
rel=3D"noopener" style=3D"text-decoration: none;" target=3D"_blank" =
title=3D"" data-linkto=3D"https://"><img alt=3D"fb" =
src=3D"https://res.cloudinary.com/pensionbee/image/upload/v1731515759/ema=
ils/Social_icons_at_yellow.png" style=3D"display: block; max-width: =
32px; font-family: Arial, sans-serif; font-size: 15px; line-height: =
18px; color: #000000; padding: 0px; text-align: center; height: auto; =
width: 100%;" width=3D"35"></a></td> <td class=3D"em_w1" style=3D"width: =
15px;" width=3D"30"></td> <td align=3D"center" valign=3D"top"><a =
href=3D"https://links.pensionbee.com/s/c/Caz5Tah5GbHyaLZgbonhn5LG-FMxmYfX=
hMbxVmBASXTNcOIHsBKoeW_8ydine0GLYC2quitBXbokKQMjbuGu4_iGrjwCt5wpzvj9F_tis=
jqkJhLF-vFLLfv0MuiJXlXk4HPAAicHtzSaurWv1U2d3Xc2GBQMmD8gOAuaqCzmWGX42dm7Ti=
rlVYVN4GDQ-lsaJPypO6wcnzQJUCwtO8HbXhqNpY3V9eQ4d_PVCX1-61YA_aMrD7uH4YVkNNg=
4jNwcu4-3JsWPsslb8ANnxuX2OxLhgl9mIUEaXcJVVELjYwiDdnj6_l2NkXVlSNJOA-q4eijl=
gTmTDTYdRIgJImjhf8iFS8wTPDYAaTAjoXOmtxXR67kyV3iJWifGNeVciFZ6ZswRcqRreGUre=
dMyAFAeiVaBUksl81HbAzA3sSsdjA/vedjUhv1mVW-EMSThQj66PUNk95qJIA9/18" =
rel=3D"noopener" style=3D"text-decoration: none;" target=3D"_blank" =
title=3D"" data-linkto=3D"https://"><img alt=3D"fb" =
src=3D"https://res.cloudinary.com/pensionbee/image/upload/v1731515759/ema=
ils/Social_icons_TikTok_yellow.png" style=3D"display: block; max-width: =
32px; font-family: Arial, sans-serif; font-size: 15px; line-height: =
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