This Annuity and Retirement Planning Service

We can help you get more from your pension, even today

We have teamed up with Origen, a leading national firm of IFA's, to offer you an award winning independent retirement service, with access to all the best annuity rates. If you have ill health, or smoke, you could get up to 1/3rd more retirement income.

If you wish to start taking an income or you want to access your tax-free cash, there are alternatives to a lifetime annuity, and Origen can advise on their suitability. Read our guides, Decisions and Retirement Options to see the opportunities you have.

Contact us now for a free initial consultation

Many people are delaying their retirement planning, but at what cost? There are things you can do today, and doing nothing does not necessarily solve anything.

About this service

All enquiries through this website go to Origen. They are one of the UK’s largest Independent Financial Advisers (IFA's) with 300,000 private clients and 6,000 corporate clients. They have a wealth of experience in retirement planning, and they are a multi-award winner, for example, Money Marketing Awards ‘Best Retirement Planner 2008', and now 2009. Origen Financial Services Ltd is authorised and regulated by the Financial Services Authority (FSA number 192666).

An Origen adviser will take the time to fully understand your situation, before making a recommendation tailor-made to your objectives. As Origen are 100% independent you can have complete peace of mind that they will consider all options.

Taking financial advice

This website provides you with information to help you make the right decision about your retirement planning. However, there is no substitute for obtaining financial advice which we strongly recommend you take. You could lose out on thousands of pounds of retirement income by making the wrong decisions.

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Latest News

Pension annuity transfer offenders get named and shamed

July 2nd, 2009

A list of those that are the worst offenders for delayed pension annuity transfers has been released by the Annuities Clearing House (ACH), with the likes of Windsor Life and Phoenix topping the bill. As well […]

Aegon sets up new direct annuity offering

July 2nd, 2009

Aegon, recent sponsors of British tennis, including the Queen’s tournament, is setting up a new company, a new direct annuity firm, to sell annuities directly to consumers. As part of the plans,  Aegon would link up with another provider […]

L&G extends its direct service into the enhanced annuity arena

July 2nd, 2009

Legal & General (L&G) is looking to extend its direct service offering into the enhanced annuity market place. It has extended its pension annuity solutions service to now offer enhanced annuities directly to consumers as well as the postcode product it […]

Other Information

Your Annuity and Other Retirement Choices

For more information on our range of annuities and retirement choices please visit our Pension Options page by clicking the link.

A brief overview of some of the topics covered by this website

First, what is an annuity ?

An annuity is an income for life provided by an insurance company in exchange for a pension fund or any lump sum. The bigger the pension pot, the bigger the income, or the annuity will be.

Annuity rates

Understanding annuity rates can be a complicated process, the annuity rates information contained in this website will help you make an informed decision.

Best annuity rates

If you are looking for the best annuity rates, we are confident we can help you. On offer are a variety of annuity plans from a variety of providers. What is important is to get the best annuity rates for your own particular set of circumstances.

Looking for annuity quotes

If you are thinking about buying an annuity, our annuity quotes are personal to you, designed to be competitive and cost effective and can be tailored to your requirements. You can try out some annuity quotes for yourself on our online quotation engine.

Pension annuity plans

The pension annuity information on offer will help you find an annuity plan that will help you lead a comfortable retired life. A number of pension annuity plans are available from a variety of providers, Prudential, Canada Life and Norwich Union are just some of the providers plans are available from.

Range of pension annuities

This website has a comprehensive selection of pension annuities. The pension annuities are designed to be cost effective and competitive. Irrespective of your background, we are confident we can help you make an informed decision when it comes to annuity plans. The annuity rates information on offer is designed to help people all over the UK irrespective of their financial status.

Variable annuities

If you want more flexibility with your annuity consider a variable annuity contract. Another name for variable annuities is ‘third way’ annuities, picking up on products from the US. For more information on variable annuities please follow the link variable annuities.

Income Drawdown (or pension drawdown, or, simply, drawdown)

Income drawdown is an option open to you as an alternative to buying a lifetime annuity when you retire. Also called pension drawdown or drawdown.

Income drawdown (or pension drawdown or drawdown) allows you to start drawing an income from your pension fund while the fund remains invested. It is usually relevant to those with larger pension funds; perhaps 100,000 or more, and with other assets.

Unsecured pension (a new name for income drawdown)

You might decide that you're not ready to buy a lifetime annuity. You could therefore buy an unsecured pension using short term annuities or an unsecured pension using income withdrawal.

Sipps, or self invested personal pensions

For those wishing to take a more active role in their retirement planning there are sipps, or self invested personal pensions. These are by no means suitable for everyone and sipps or self invested personal pensions are really only for those with larger pension funds as well as other substantial assets, and for people prepared to take more of a risk.

Inheritance tax

Inheritance tax planning is also covered by this website. It is a complicated subject, best dealt with by specialists. Also known as inheritance tax mitigation.

Annuities

Annuities are not such a complicated area. Some people still call annuities 'pensions', but basically it's all about retirement income.

To find the right annuities seek advice, don't do it on your own.

Annuity tables

Annuity tables are not included in this website, but the Financial Services Authority (FSA) does publish comparative annuity tables on its' website.

Our Charitable Support.

We are a charity supporting website. Each and every case that is written leads to a donation of £12 to Cancer Research UK from rightannuity.co.uk