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Pension Annuities

When you arrange your retirement income, you have various choices and some important decisions to make. There are different types of pension annuities to choose from, as well as other products. You could buy a pension annuity, or you might prefer a product that offers you greater flexibility with your retirement planning.

We can offer you a choice from all the various products in the market, and we can provide you with advice to help you choose what’s right for you. If you do decide to buy an annuity, we can offer you the best annuity rates available. Importantly, you don’t have to make a one-off decision when you retire.

Annuity Rates

Annuity rates are based on various factors, including your age, marital status, gender, lifestyle, state of health, and where you live, and it’s important you get the best annuity rates for your particular circumstances.

  • If you have certain medical or lifestyle conditions you could qualify for up to 40% more retirement income.
  • If you’re considered to be in good health the annuity rates you’ll be offered can vary by as much as 20% from different companies.
  • We can get you the highest income available by comparing annuity rates for you from all leading companies.
  • If you have more than one pension plan we can help you consolidate your various plans to ensure you get the best deal at retirement.
  • All quotes are free, with no obligation, and you can receive advice over the phone, by post, or face to face.

Should flexibility with your retirement planning be important to you, we can advise you of the various alternative retirement options open to you.

Best Annuity Rates

If you do decide to buy an annuity to provide you with your retirement income it’s important you get the best annuity rates, as this can make a tremendous difference to the amount of income you receive. There can be a significant difference in the annuity rates available to you.

It’s unlikely you’ll get the best annuity rates from your existing pension provider. To ensure you get the best rates available we’ll compare quotes from all leading annuity providers.

Annuities

Annuities, or, to be more precise, lifetime annuities, pay a guaranteed regular income for life. Annuities are provided by insurance companies, in return for a lump sum, typically from your pension fund. Many people buy lifetime annuities to provide them with their retirement income, because they offers both security and peace of mind – you know you’re going to receive a guaranteed income for the rest of your life.

If you buy a lifetime annuity you can’t change your mind and alter it once it’s been set up – you’re stuck with it for life. Other types of annuities and other products do offer you more choice and greater flexibility.

Annuity Providers

There aren’t that many annuity providers in the market offering competitive annuity rates. Most are household name insurance companies, but there are also a few smaller companies who tend to specialise in the enhanced annuity market, competing for your business if you have certain medical or lifestyle conditions.

We’ll compare rates from all these annuity providers to find you the best deal, and there’s every chance we’ll get you a higher retirement income than you’ll get from your current pension provider.

Pension Annuity

A pension annuity is effectively an arrangement to provide you with an income when you are no longer earning a regular income from your employment.

When you’re researching your pension annuity requirements and arranging your retirement income you’re having to make what is one of the most important financial decisions of your life, and you do have choices. Whatever decisions you make, you need to get it right. Your decisions not only effect your pension income in retirement, but also your lifestyle, so it’s important you’re in a position to make the right decisions. A pension annuity might be the right product for you, or you could be better off with a more flexible product.

Annuity Quotes

Any annuity quotes, or other types of quotes, you request from us are free and you’re under no obligation to take up our recommendations. Because we’re in a position to offer you independent financial advice we can compare annuity quotes for you from all leading companies to find you the best deal.

It’s important you take advice from people who have the expertise and the experience to help you make the right decisions. Our aim is to help you maximise your pension and help you understand the benefits of the various products available, and how they can meet your particular requirements.

width=To ensure you’re provided with good quality, independent, impartial advice, we’ll pass your enquiry to The Retirement Adviser, part of LEBC, a leading national firm of independent financial advisers.

The Retirement Adviser; awarded Best Annuity Planner 2011 (Money Marketing awards),

“For demonstrating a good track record in providing annuity planning advice to clients”


Enhanced Annuity

If you have certain medical or lifestyle conditions an enhanced annuity pays a higher guaranteed income for life.

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Conventional Annuity

If you're in good health a conventional annuity will pay you a guaranteed income for the rest of your life.

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Income Drawdown

Income drawdown offers you the most flexible retirement solution. You take an income, your fund stays invested.

Read More
Investment Linked Annuity

An investment linked annuity gives you the opportunity to receive a rising income in your retirement.

Read More
Fixed Term Annuity

A fixed term annuity allows you to alter your future income to take account of your changing circumstances.

Read More
Guaranteed Drawdown

Guaranteed drawdown; flexibility in retirement by guaranteeing your income or future pension fund value.

Read More

Annuity News

Jan
27
2012
Inflation and your pension annuity

Pensioners are still suffering in retirement despite the inflation drop: MGM Advantage, enhanced annuity specialists, state. December’s slight fall in inflation didn’t go anywhere near far enough to help financially struggling pensioners and their cash-strapped households, Aston Goodey, sales and …

Jan
26
2012
Gilt yields and annuity rates up

Some good news on the annuity rates front. Gilts prices are falling and gilt yields are climbing. Unfortunately, this was after the worse than feared drop in the UK economy was revealed earlier yesterday. Following the 0.2% dip in the economy, which …

Jan
25
2012
Pensions and pension annuities under threat

New rules from the EU and the ongoing European debt crisis threatens pensions and pension annuities here in the UK. The problems come from fresh directives which require insurance companies to hold greater reserves and the fact that they can’t carry on using gender to calculate …

Jan
24
2012
Annuity rates still dropping

Annuity rates are still dropping. Indeed, some industry experts are suggesting that annuity rates are in freefall, they’ve dropped that much. Annuity rates have actually fallen around 9.3% over the past three years, meaning significantly less money for people about to …

Jan
24
2012
Shop around for pension annuity rates

When it comes to buying a pension annuity, there is more to shopping around than just the price, you also need to get the right type of pension annuity. Pension annuities have long been the bedrock for retirement incomes, but now …

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