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 finding you the best annuity income, and by helping you realise the maximum value from your hard earned pension fund. 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%
You might be eligible for higher annuity rates
There could be many reasons why you might be eligible for higher annuity rates. Around 40% of people at retirement are eligible, but only a few apply; the rest lose out. You could increase your annuity income by up to 30%, or 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.
More and more people are eligible for higher annuity rates
Higher annuity rates are becoming more widely available due to the increasing number of factors now being taken into consideration, including: ill health, if you’re a smoker, lifestyle issues, and where you live. This is leading to more bespoke annuity rates and towards individual underwriting. See our new quick reference guide to annuity rates further down the page.
Ill health is one of the key factors for getting 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 annuity quotes on the annuity rates pages.
Annuity rates are all down to 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.
For accurate advice and guidance contact us, and let one of our advisers help you discover just how much additional annuity income you might be eligible for.
You need to purchase the right pension annuity with the right options
You can have a secure income, provide financial security for your dependants, and protect your income from inflation. There are a number of types of pension annuity and annuity options available which can make a difference, and we can advise you which pension annuity and which options are appropriate for you. It’s not just about getting the best annuity rates.
Take advice when you buy your annuity
Five good reasons to take advice when buying your annuity
■ Golden rule. You don’t have to take your annuity from your existing pension company. You will find better deals elsewhere.
■ 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.
■ There will be issues to deal with you’ve never thought of.
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.
Annuity advice from a leading company
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 annuity service we provide.
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.
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. Details of other factors that give rise to higher annuity rates are also included.
Quick reference guide to annuity rates…..
Standard annuity rates
Standard annuity rates might 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
Smoker 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
Enhanced 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; whether you smoke, if you’re overweight, how much alcohol you consume, and what your occupation was whilst at work. Annuity rates could be around 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 than those in more prosperous areas. These postcode rates could be 5% to 10% higher than standard 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 the higher the rates will be. Check if you’re eligible. Higher annuity rates can give a real boost to your retirement income.
More people are eligible for higher pension annuity rates these days. Here 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 therefore to help you get it right, by finding you the best retirement income available. If you’re planning to retire shortly, we believe we [...]
Best UK pension annuity rates and lifestyle issues and why they matter. More and more people are now eligible for higher annuity rates these days, which can have a really positive effect on annuity incomes. The term lifestyle issues refers to various factors other than just ill health that are taken into account in the calculation of pension annuity rates. Owing to [...]
Enhanced annuity and impaired life annuity entitlement does vary a little. The medical conditions that might entitle you to an impaired life annuity include heart disease, stroke, angina, cancer (various), chronic bronchitis and long-standing diabetes. Some insurance companies (the annuity providers) recognise hypertension. The acid test is the degree by which your medical condition is likely to reduce your life [...]
Might you qualify for these higher annuity rates?
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 for an enhanced annuity and an impaired life annuity, 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.
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.
Get the best annuity rate you can
You’ll get a much higher annuity income 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.
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.