You do not pay National Insurance after you reach State Pension age - unless you’re self-employed and pay Class 4 contributions. You stop paying Class 4 contributions at the end of the tax year in which you reach State Pension age.
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Scottish Widows Life Insurance review - Money To The MassesInvestments And Charges | For Advisers | Scottish WidowsHomeTake it all as cashYou only pay Income Tax if your taxable income - including your private pension and State Pension - is more than your tax-free allowances (the amount of income you’re allowed before you pay tax).
You must contact HM Revenue and Customs (HMRC) if you think you should be paying tax.
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Funds