What's the interest rate on this account? <a href=" http://www.proartsgallery.org/can-you-buy-orlistat-over-the-counter-in-australia.pdf#comfortable ">orlistat cheap online</a> The second way to avoid the 55pc tax penalty is to apply for &ldquo;individual protection&rdquo;. HMRC is currently fine-tuning the details and is due to announce final rules in the coming weeks. It is expected that individual protection will not restrict pension savers from making further contributions to their pension pots. However, any pension savings in excess of the £1.5m lifetime allowance will still incur the 55pc charge.