With proper planning, the right financial decisions can help ensure you have funds for the things that matter most. Whatever your plans and goals for this stage of your life, now is the perfect time to get everything lined up.

Your 70s are usually when retirement is in full swing. It's a time to make sure your savings, pensions, property wealth and investments are working for you. But of course, not everyone retires by the time they reach 70. This can also be a time for getting the best from your income, while planning for retirement.

Whatever your circumstances, you will want to get your finances in order. Sometimes you’ll get help from products built for older customers, with features that match this phase of your life. Or it can be about choosing from products that may not be aimed at over 70s, but still have the features you need. With so many choices available, make sure you take a look around, compare your options and shape your finances the way you want them.

Insurance

Insurance helps you manage risks that could disrupt your plans, giving you peace of mind so you can enjoy life confidently. It also protects your finances, helping you stay secure and in control if unexpected costs arise. From health and home to travel, cars, and pets, the right cover helps you focus on the things you love doing.

Health insurance

Staying well can make a huge difference to your later years, and having access to timely tests and treatment is important as we get older. Health insurance can provide faster care from specialists, helping you stay active and independent for as long as possible.

Get cover that puts your health first

Life insurance

Life insurance as we get older is often about rethinking priorities. Arranging over-70s life insurance is a time to make sure you have suitable cover. It may mean covering essential costs for those closest to you, or maybe leaving a cash gift for loved ones.

Simple cover, lasting reassurance

Home insurance

After working so hard for it, your home is central to your life and your finances. Home insurance helps protect the building, your belongings and the memories you’ve made there, giving you confidence that what matters most is covered.

Peace of mind, at home

Travel insurance

More free time often means more travel. From bucket-list adventures to family visits abroad, travel insurance protects your plans so you can enjoy your journeys knowing you are covered if things go wrong.

Travel knowing you’re covered

Car insurance

From everyday journeys to scenic drives, weekend adventures and spontaneous trips, car insurance helps you get cover that fits your driving needs today, giving you confidence on the road.

Cover that moves with you

Pet insurance

Pets are part of the family, but vet bills can be unpredictable and put huge pressure on our finances. The right insurance helps cover unexpected treatments, letting you focus on enjoying time with your pet.

Get cover that cares

Mortgages

Your home can sometimes make a contribution to your finances as you get older. A remortgage deal could reduce monthly payments, release cash for home improvements or fund a move to a property better suited to your needs. You may also be able to tap into all the value of your bricks and mortar with equity release. These and other options may help you make the most of your property wealth and enjoy a more comfortable, financially confident retirement.

Mortgages

The right mortgage can free up cash, reduce monthly costs, or support bigger plans, like moving home or making renovations. Or, perhaps you’re thinking about being a guarantor so a younger family member can get onto the property ladder?

Explore your mortgage options here.

Equity release

Equity release can turn some of your home’s value into ready cash, while letting you stay exactly where you are for as long as you wish. It can help fund home projects, pay off your existing mortgage, provide a financial gift for loved ones and much more.

See what your home could do for you.

Equity release calculator

Want to see what the equity in your home could do for you? Use this calculator to estimate how much cash you might unlock with equity release, helping you fund home improvements, lifestyle goals, or even gifts for loved ones.

See how much cash you could unlock

Borrowing

Borrowing in your 70s can be a useful way to provide cash for home improvements, travel, or helping family, without having to touch your savings or pension. As long as you borrow responsibly, it can also simplify your finances by consolidating debts, reducing interest costs, and making budgeting easier.

Loans

Need a lump sum without dipping into your savings or pension pot? A personal loan can help cover bigger costs, from home upgrades to travel plans or a child’s first home deposit. It can let you manage large expenses upfront while paying it back in affordable monthly instalments.

Unlock some extra cash for the things that matter most

Credit cards

A good credit card can make your day-to-day spending work in your favour. Whether that’s earning cashback on regular purchases, picking up travel perks, or using a balance transfer to reduce interest, the right card can help you keep more of your hard-earned cash in your pocket.

Find a card that supports how you live now

Everyday banking and saving

Strong finances in your 70s start with simple foundations. The right current and savings accounts can help keep everything organised, bills manageable, and cash ready for both everyday life and life’s surprises. With accounts designed around flexibility, ease and security, you can feel confident that your money is working as hard as you have.

Current accounts

Your current account should make managing money effortless. Useful features, fair fees and smart tools help you stay on top of day-to-day spending with confidence.

Find an account that works for you

Savings accounts

Whether you’re building a safety buffer, saving for travel, or keeping money accessible “just in case”, the right savings account helps your money grow without locking it away in long-term investments.

Grow your nest egg for milestones, holidays and more

Retirement income

If you haven’t accessed your pension savings yet, now could be the time to consider your options. If you have money in a defined contribution pension scheme, have you decided how to turn it into income? There’s no single “right” choice – the best option depends on your priorities, spending needs, and comfort with risk. You might prefer a steady income, the flexibility to take funds as needed, or a mix of both. The decisions you make now will shape how secure and enjoyable your retirement feels.

Pension annuities

An annuity provides a guaranteed income. It can form a dependable base for day-to-day spending, helping you budget for essential costs and feel secure with a steady income to depend on.

Find out how annuities work

Income drawdown

Drawdown lets you take money from your pension pot as needed while the rest stays invested. It’s a flexible option, giving you control over how you make your withdrawals.

Discover if drawdown could work for you

Pension annuity calculator

Curious how much guaranteed income your pension savings could give you? This tool helps you explore your options, so you can see what your pension pot could deliver and plan your retirement with confidence.

Calculate your annuity income

Useful guides for over-70s

Our guides focus on real-world choices for over-70s, from understanding choices that affect your retirement income to information on getting the most from your health insurance if you have pre-existing conditions. Practical, clear and designed around what matters at this stage, they help you make confident financial decisions and plan with ease.

Annuities vs income drawdown: which is right for you?

If you’re retiring soon, how you access your pension pot can shape your lifestyle. This guide explains how annuities and drawdown work, and the factors to consider when choosing the best income option.

Equity release and benefits - what you need to know

Explore what an equity release plan could mean for any means-tested state benefits or state-funded care you receive now or in the future. Plus, a quick summary of how equity release works.

Health insurance and pre-existing conditions

Having a condition such as asthma or high blood pressure doesn’t automatically mean you can’t get health insurance, but it may affect your policy's cost or the terms offered.