Claiming an overseas pension? You will need to do a life certificate!

Many people who receive state or private pensions from abroad are required to provide regular proof that they are still alive in order to continue receiving their pension payments. This proof is often requested in the form of a life certificate, sometimes also referred to as a certificate of existence.

At first glance, it might seem like a simple task — but if not completed correctly or within the required time limit, it can result in delays or suspension of payments.

What is a Life Certificate?

A life certificate is an official document that confirms a person is alive as of a certain date. Pension providers, particularly those based in countries outside the UK, request these certificates to prevent fraudulent claims and ensure that payments are made only to eligible individuals.

The certificate often needs to be signed and stamped by an authorised professional, such as notary public.

Why You Might Need a Notary Public

Foreign pension authorities frequently require that the life certificate is notarised — that is, signed in the presence of a notary public, who verifies your identity and confirms that you are alive at the time of signing.

A notary can:

• Confirm your identity through valid photographic ID (e.g., passport)

• Witness your signature on the life certificate

• Complete any required sections of the form

• Affix their official seal and signature

• Assist with translation or language issues if the form is in a foreign language

• Arrange apostille or legalisation if required by the pension provider’s country

  
  

What You Need to Bring

To have your life certificate notarised, you will usually need to bring:

• The original life certificate form sent by your pension provider

• Valid photo identification (such as a passport or national ID card)

• Proof of address

It’s advisable to check any instructions or deadlines from your pension provider and bring those with you as well.

Do You Need an Apostille?

Some countries, especially in Europe, may ask for the notarised document to be legalised with an apostille by the UK Foreign, Commonwealth & Development Office. As a notary, I can advise on whether this is necessary and assist with the apostille process to ensure compliance with overseas requirements.

Book an Appointment

If you need a life certificate completed for an overseas pension, I can provide a fast and efficient service — often on the same day. Appointments are available in-office or at your home, if required.