Define the purpose of your savings
Write down your retirement goals, the time available and an amount you could sustain comfortably. Include existing pension assets in the discussion so a new plan can be considered alongside what you already have.
Ask for a clear comparison
For each option, ask about investment exposure, all fees, the conditions for changing contributions and the consequences of stopping early. If insurance protection is included, ask what it covers and what it costs.
Understand the illustrations
Ask which figures are guaranteed and which are projections. Discuss how a less favourable outcome would affect your plans. A useful comparison should help you understand both the opportunities and the commitments involved.