Published decisions
8,479
Product-specific decision volume in the public corpus
Product analysis
Pensions and Annuities complaint analysis
A public view of how Pensions and Annuities performs in the published Financial Ombudsman decisions dataset, including volume, outcome mix, firm exposure, and recurring complaint themes.
Upheld rate
53.5%
4,538 upheld decisions
Page summary
8,479 published FOS decisions in Pensions and Annuities, with upheld-rate context, firm exposure, complaint themes, advisory patterns, and representative cases.
Published decisions
8,479
Product-specific decision volume in the public corpus
Upheld rate
53.5%
4,538 upheld decisions
Latest published decision 18 Aug 2026
How to use this page
Read the metrics first, then the ranked view.
The top-line cards show scale and outcome context. The ranked view and representative decisions show where the slice is concentrated and what the published decision set actually looks like.
Published decisions
8,479
Product-specific decision volume in the public corpus
Upheld rate
53.5%
4,538 upheld decisions
Leading firm
Aviva Life & Pensions UK Limited
619 decisions
Leading complaint theme
Delay In Claim Handling
991 tagged decisions
Pensions and Annuities in the ombudsman corpus
Analysis8,479 published decisions in this corpus sit within Pensions and Annuities. 53.5% of those decisions were upheld, which makes this a useful public category page for spotting where complaint outcomes have tended to land.
Aviva Life & Pensions UK Limited is the single biggest firm exposure inside Pensions and Annuities in the published decision set. Delay In Claim Handling is the leading complaint theme in the same category.
- Latest year in the product series: 2026
- Leading precedent signal: Cobs
- Advisor uphold-risk signal: high
How the product moved over time
AnalysisPensions and Annuities has a multi-year decision trail in the corpus, which makes it possible to compare recent complaint pressure against earlier years rather than relying on a single snapshot.
In 2026, Pensions and Annuities recorded 171 published decisions with an upheld rate of 45.6%.
- 2026: 171 decisions, 45.6% upheld
- 2025: 1,414 decisions, 45.4% upheld
- 2024: 1,583 decisions, 54.4% upheld
- 2023: 2,416 decisions, 65.3% upheld
- 2022: 1,811 decisions, 50.9% upheld
Themes, precedent signals, and handling implications
Analysisdelay in claim handling, fraud or scam concern, communication failure, and others are the strongest complaint-theme signals in Pensions and Annuities. For public analysis, those tags are the closest durable “type” layer available in the dataset.
The existing advisor model also points to recurring handling implications for Pensions and Annuities, including review cobs precedent (appears in 0.9% of cases), review fsma precedent (appears in 0.8% of cases), and others.
- Leading complaint theme: Delay In Claim Handling
Representative cases
Recent published decisions in this slice
5 examples shown
DRN-656208618 Aug 2026Not upheld
Interactive Investor Services Limited · Pensions and Annuities
My final decision is that I don’t uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr I to accept or reject my decision before 15 September 2026.
View source decisionDRN-633561117 Aug 2026Upheld
Scottish Equitable Plc · Pensions and Annuities
I uphold the complaint. My decision is that Scottish Equitable plc trading as Aegon should undertake a loss assessment as set out above and pay Mr B £350 for the distress and inconvenience caused to him.
View source decisionDRN-648934717 Aug 2026Not upheld
Aviva Life & Pensions UK Limited · Pensions and Annuities
My decision is that I won’t ask Aviva Life & Pensions UK Limited to pay Mrs M any additional compensation. Under the rules of the Financial Ombudsman Service, I’m required to ask Mrs M to accept or reject my decision before 14 September 2026.
View source decisionDRN-652960917 Aug 2026Not upheld
Phoenix Life CA Limited · Pensions and Annuities
For the above reasons, I am not upholding Mr J’s complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr J to accept or reject my decision before 14 September 2026.
View source decisionDRN-653970417 Aug 2026Not upheld
EFG Private Bank Limited · Pensions and Annuities
I am not upholding this complaint against EFG Private Bank Limited and require no further action from them at this time. Under the rules of the Financial Ombudsman Service, I’m required to ask Mrs B to accept or reject my decision before 14 September 2026.
View source decision