Site Index
Annuity RatesYou could be up to 30% better off, or even more, by getting the right annuity rates. Click here for to see if you might be eligible for higher annuity rates.
Annuity OptionsYou can add various options to your annuity to match with your personal circumstances. Click here for details of the options that might apply to you.
Annuity TypesIt’s very important that you select the right annuity for your requirements. Click here for details of the various annuities available.
This Annuity Service
At rightannuity.co.uk we recognise one simple fact. You only retire once in your life; and it pays to get it right.
Our aim is to help you get it right, by helping you to realise the best possible value from your hard earned pension fund, with the highest annuity income. We can offer you some of the best annuity rates available, and we can advise you how to arrange your annuity correctly.
Increase your annuity payments by up to 30%
Are you eligible for higher annuity rates?
More people are eligible for higher annuity rates these days due to the increasing number of factors now being taken into consideration, including: your health, if you smoke, your lifestyle, and where you live. See lifestyle issues and postcode annuities for further information. This is leading towards individual underwriting for annuity rates.
To assist you, we have a new quick reference guide to annuity rates, which you’ll find further down the page.
Do you suffer from ill health?
If you suffer from ill health you’re very likely to be eligible for higher annuity rates, and the more severe the ill health, the higher the annuity rates. To illustrate the higher rates available there are some example quotes on the enhanced annuity rates and the smoker annuity rates pages (most smokers of retirement age also suffer from ill health).
Ill health, along with the other factors mentioned above, has an effect on your life expectancy. The shorter your life expectancy, the higher the annuity payments, because the anticipation is that they will be paid for a shorter period of time.
If you don’t suffer from ill health, and you don’t smoke, example annuity quotes appear on the standard annuity rates page.
How much extra annuity income can you get?
You could increase your annuity income by up to 30%, or perhaps more, and that means higher annuity payments every year for the rest of your life. Find out if you’re eligible for higher annuity rates and how much that might mean to you. Don’t be one of the 40% of people at retirement who are eligible for higher annuity rates, but don’t bother to apply.
For the best results, take advice when you buy your annuity
We’re offering you annuity advice from a leading company
Choosing the right annuity can be a complicated process. By taking advice you can ensure that all your options are considered. You can’t change your mind once you’ve bought your annuity. That’s why we’ve teamed up with AEGON Direct to offer you this service. They will provide you with annuity advice to help you find the most appropriate retirement solution.
AEGON Direct is part of the AEGON Group, one of the world’s largest insurers with around 40 million customers worldwide, about 2 million in the UK alone. You can have every confidence in the service you’ll receive.
We can help you achieve a higher annuity income
For accurate advice and guidance contact us, and let one of the team of advisers help you discover just how much additional annuity income you might be eligible for. If you’re not eligible for higher annuity rates, we’re confident we can obtain better annuity rates than those available from your existing pension provider.
The difference between the best and worst annuity rates can be up to 30%, and possibly more in certain cases. As your annuity must last for the rest of your life it’s worth getting the best deal you can. There is a golden rule; you don’t have to take your annuity from your existing pension company, as you will find better deals elsewhere.
Some very good reasons to take advice when buying your annuity
■ You’re about to make one of life’s major financial decisions, and you really can’t afford to get it wrong.
■ Getting the decision right could mean thousands of pounds of extra income during your retirement.
■ You might live until you’re in your 80’s, so any decision you make now will have serious long term consequences.
Many people are much better off in retirement as a result of taking advice when buying an annuity. Take our advice, it’s free. We can help you achieve a better annuity income, and prevent you from making a decision you might live to regret.
Free annuity quotes from some of the UK’s leading providers
You can compare annuity quotes for different types of annuities and options, and there’s no obligation to take up any of our recommendations. These annuity quotes are competitive and tailored to your individual requirements.
You can either contact us online via our free quote or enhanced annuity enquiry forms, or you can call us free on 0800 169 1256. Lines are open Monday to Friday, 8 a.m. to 8 p.m., and Saturdays, 9 a.m. to 1 p.m. Many people prefer to call us; it’s quick, personal, confidential, and it’s free, and it saves you putting your details online.
You need to buy the right pension annuity with the right options
When you buy your annuity it’s not just about getting the best annuity rates. There are other issues to consider, such as dependants and inflation. There are a number of different types of pension annuity and options available which can make a difference, and we can advise you which pension annuity and which options are appropriate for your circumstances.
Which are the best annuity rates for your circumstances
To discover which might be the best annuity rates for you look at the quick reference guide below. If you suffer from ill health, for example, enhanced annuity rates will be the best annuity rates.
Quick reference guide to annuity rates…..
Standard annuity rates
These annuity rates apply if you’re fit and healthy and non-smoking; with the opportunity for higher annuity rates for lifestyle issues, and where you live. We could find you rates 20% higher than those from your current pension provider.
Smoker annuity rates
These annuity rates apply if you’re fit and healthy and a smoker; with annuity rates depending on how much you smoke. These rates could be up to 20% higher than standard rates; and even higher if you also have ill health.
Enhanced annuity rates
These annuity rates apply if you have ill health, whether you smoke or not; with much higher annuity rates for more severe, possibly life threatening, medical conditions. These rates could be up to 30% higher than standard rates.
Lifestyle issues
There are a number of lifestyle issues that can effect annuity rates; smoking, your weight, how much alcohol you consume, and your previous occupation. Annuity rates could be 20% higher, depending on the issues involved.
Postcode annuities
Where you live can make a difference to the annuity rates you’re offered. Postcode annuities result in those living in less wealthy areas getting better rates. These postcode rates could be 5% to 10% higher than standard annuity rates.
Higher annuity rates
More and more people are now eligible for higher annuity rates. Various factors effect annuity rates. The more factors that apply to you the higher the rates will be. Higher annuity rates can give a real boost to your retirement income.
MGM Advantage’ new lifetime income annuity product has been awarded five stars. Richard Eagling, editor at well-respected Moneyfacts, said the annuity product was an “Oscar winning performance” that would take a strong and welcome position in any retirement adviser’s product portfolio. Chris Evans, current chief executive of MGM Advantage, replied that he was really thrilled to receive the award, but [...]
More people are taking UK enhanced annuity rates, with significant growth in the enhanced annuity market. Aston Goodey, Director, MGM Advantage comments that enhanced annuities have experienced a strong growth in their sales in recent years and it’s not surprising to learn that they now account for almost one in five of all pension annuities sold. He added that the products [...]
Are you eligible for higher UK annuity rates? Because many more people are eligible for higher annuity rates these days owing to the increasing number of factors now taken into account in the calculation of annuity rates, including: ill health, if you smoke, your lifestyle (weight, for example), and where you live. This is leading to more individual underwriting. See our new quick reference guide on the homepage.
Ill health is one of the key factors for getting higher pension [...]
Might you qualify for higher annuity rates?
Are you eligible for an enhanced annuity or an impaired life annuity?
If you suffer from ill health we can assist you with a dedicated telephone underwriting service, immediate accurate annuity quotes, and also a 45 day quote guarantee period for both an impaired life annuity and an enhanced annuity. Enhanced annuity rates are worked on a case by case basis. To find the best annuity rates, speak with an adviser.
You’ll be much better off if you secure the best annuity rate
You should compare annuity quotes to find the best annuity rate for your individual circumstances. The best annuity rate could result in you being thousands of pounds better off over the course of your retirement.
The range of pension annuities available
We provide detailed comprehensive information on a range of pension annuities, and we can help you make the right choice from the various pension annuities available.
Disclose all relevant information to get the best annuity quote
Make sure you disclose all relevant information to get the best annuity quote. This especially important if you suffer from ill health and are looking for an enhanced annuity quote.
Other information about annuity rates
The FSA’s annuity tables
Whilst we provide information and advice, we don’t publish annuity tables. However, the Financial Services Authority (FSA) does publish comparative annuity tables on its website.
Pensions, annuities, annuity rates, annuity quotes; it can all get a little confusing.
For further information on annuities check out the comprehensive annuity options, annuity types, or annuity guide pages, or call us free on 0800 169 1256. To make it easier for you to find what you want about annuities we’ve created a site index page that lists all page titles.