Zurich Master Trust – the RNLI’s pension scheme in Ireland

All salaried employees who join the RNLI after 1 January 2026 will be automatically enrolled into the RNLI pension scheme provided by Zurich Master Trust from their RNLI start date, if aged between 23 and 60 and earns €20,000 or more per year.

View your pension

Zurich Master Trust members can view pension details online via the Zurich website. Instructions on accessing the site and the information you need can be found in the documents section of the library.

Pensions saving costs you less than you think

Use the calculator...

Want to increase your pension contributions? Use the calculator to see how your contribution, and the RNLI’s add up.


Useful links


For more information on your state pension:

Applying for the State Pension (Contributory)

Occupational pensions
Information on occupational pensions

The Pensions Authority
Pensions Authority regulates occupational pension schemes

 

This enrolment means that you will not automatically be enrolled into the My Future Fund by the National Automatic Enrolment Retirement Savings Authority (NAERSA).

If you do not meet the threshold, you may still opt to join the RNLI pension scheme, subject to eligibility.

Member Handbook

To find out more about this pension scheme, read the Member Handbook- pdf

To make a change to your contribution rate:

If you want to make a change to how much you contribute, please complete a Contributions Alteration form:

I started with the RNLI on or after 1 February 2026- pdf

I started with the RNLI before 1 February 2026- pdf

Did you know?

  • How tax relief works

    The cost to you of being in the Zurich Master Trust is reduced because you receive tax relief on your contributions. You pay contributions net of basic rate or higher rate tax income tax when they are deducted from your pay and the actual amount invested is increased to reflect the full contribution. Your actual tax rate will depend on your personal circumstances. This means that if your monthly contribution is €100, then currently only €80 will be taken from your pay (assuming 20% income tax).

  • You are in control

    You can decide how the money in your policy is invested from a wide range of options including a default investment fund.

    As a member you should regularly check that you are contributing enough to provide you with the income you want in retirement.

  • The Choice is yours

    You will be able to choose the type of benefits that suit your circumstances at retirement and can provide a tax-free lump sum in retirement within certain limits, and pension income in retirement. The level of your benefits at retirement will depend on the value of your fund in the Scheme and the type of retirement benefits you choose when you retire.

  • Keeping you informed

    Details of your contributions, current fund value and a projection of your fund value at your selected retirement age, based on your current contribution rates, are available online. In addition, you will receive a fund statement every year.

  • Protection for your family

    The Zurich Master Trust not only helps you provide for your retirement, but also offers financial protection for your family. If you die before benefits are taken, your fund will be paid free of income tax to your estate.

  • Information on pension options

    The RNLI cannot give advice on what you should do with your pension, but they can let you know what your RNLI pension options are. Contact the Pension Administration Manager if you have questions pensions@rnli.org.uk