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Annuity RatesWhether you’re fit and healthy, suffering from poor health, overweight or a smoker, we’ll find you a higher annuity income for your retirement.
Annuity OptionsYou can add various options to your annuity to tie in with your personal circumstances. Click here for details of the options that might apply to you.
Annuity TypesIt’s important that you select the right type of annuity for your requirements. Click here for details of the various annuities available.
This Annuity Service
Welcome to rightannuity.co.uk. Annuity rates specialists.
Make the most of your pension by using our annuity calculator to compare rates from the UK’s top annuity providers in an instant. Quotes are free and without obligation.
Compared to a building society rate, a good annuity rate is currently around 6.5% for a 65 year old. That’s £650 per year for each £10,000 of pension fund. What if we could get you 7%, or 8%, or even 9%. It’s quite possible.
You don’t have to take your annuity from your current pension company. There are better deals available, and you could increase your retirement income by up to 40%.
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Click on the annuity calculator for your free annuity quote.
Instant ‘real time’ annuity quotes.
This a free service. You don’t pay any fees.
Significantly more income if you suffer from ill health or smoke.
We’ll beat any quote obtained direct from an insurer in most cases.
We can offer you peace of mind.
Don’t miss out on thousands of pounds of vital retirement income
You could qualify for a significantly higher income if you suffer from ill health, if you smoke, if you drink alcohol regularly, if you’re overweight, and also in respect of your occupation. It’s important you tell us as much as you can about your circumstances that might effect the annuity rates you’re offered. The more you can tell us, the higher the rates.
Why? Annuity rates are all about life expectancy. If you have a lower than average life expectancy, you’ll get a higher income, because the annuity provider will anticipate paying you for a shorter period of time.
Many people of retirement age suffer from asthma, high blood pressure, high cholesterol, heart diseases, or diabetes, and around 40% of people at retirement qualify for higher annuity rates. Might that include you? If it does, don’t miss out.
Who are we? Why should you consider using this annuity service?
rightannuity.co.uk is an independently owned website, run by individuals with a long held belief that people should get a fairer deal at retirement. To provide you with service and advice you can rely on we’ve teamed up with AEGON Direct.
AEGON Direct are part of the AEGON Group, one of the world’s largest insurers, with around 40 million customers worldwide; 2 million in the UK. They support British tennis and sponsor many UK tournaments. See www.aegontennis.co.uk.
There’s a dedicated team of experienced advisers ready to assist you. You have a choice; you can either provide your details online using our annuity enquiry form, or you can call us free on 0800 077 3510.
Together, rightannuity.co.uk and AEGON Direct offer you a professional, reliable service you can have confidence in using.
Example annuity rates
Follow these links to see some examples of the higher annuity rates available. There’s an annuity checklist under the ‘Latest Annuity News’ section which provides more information about qualifying for higher annuity rates.
Standard annuity rates. Higher annuity rates if you’re in good health. Get up to 20% extra income.
Enhanced annuity rates. Higher annuity rates if you suffer from ill health. Get up to 40% extra income; possibly more.
Smoker annuity rates. Higher annuity rates if you’re a regular smoker. Get up to 30% extra income.
Whatever the size of your pension fund, we’ll help you get the best value from it. That could mean an extra £20, £30, £50, or £100, each and every month. Money that can come in useful when it comes to paying bills or taking a much needed holiday.
We’ll compare annuity quotes to find you the best annuity rates
Annuity quotes will be compared for you from top UK annuity providers. You can select from these annuity quotes the one that best suits your requirements.
Don’t buy your annuity direct from an insurance company or from an annuity service only offering one company’s annuities as it could prove to be a costly mistake. There can be a significant difference in the rates on offer, and no one company offers the best annuity rates for all scenarios.
For example, Company A might offer the best annuity rates for a 65 year old, but not for a 70 year old. Company B might offer the best annuity rates for a £50,000 pension fund, but not for £100,000.
Why don’t you give us a call on 0800 077 35100800 169 1256. It’s free, and lines are open 8 until 8 weekdays, and 9 until 1 on Saturdays. You can also request a free annuity quote online.
Pension annuity advice
There are no fees for the pension annuity advice that we provide. Commission will be payable by the new pension annuity provider if you decide to go ahead with our recommendations.
Annuity tables
If you want additional information on annuity tables the Financial Services Authority (FSA) has some useful comparative annuity tables on its website. The figures provided are helpful, but only indicative.
The best annuity rate
The best annuity rate could result in you being much better off in your retirement. We’ll ensure you get the best annuity rate for your particular set of circumstances. It can make a difference.
Annuities can be complex
To some, annuities are complicated. We’ll do our best to make it easier for you to understand annuities better, so you have a clear undertanding of what you’re buying, and confidence in what you’re doing.
The right annuity rate?
Choosing an annuity rate is a one off decision and you can’t afford to get it wrong. You can’t change your mind once you’ve made your choice and move to another annuity rate. You need to get it right.
Pension annuities
There are a range of pension annuities to choose from. We’ll help you choose the right annuity from the various pension annuities available to match with your particular requirements.
By shopping around for an annuity a retiree could get up to 40% more income with the best enhanced annuity rates. They can do this by utilising the open market option. Staggeringly, 30% of retirees don’t even bother to look, research shows. According to research from the Association of Btirish Insurers (ABI), only two thirds of annuity [...]
New figures show that UK pension annuity rates have fallen to an all-time low. Recent research from Investment Life & Pensions Moneyfacts has uncovered that pension annuity rates have slumped further over the summer, representing a significant blow to anyone looking to secure a comfortable retirement. The average rate for a 65-year-old man purchasing a standard level [...]
Here are our five key steps to a higher retirement annuity income. First, though, you have to realise that annuity rates are now based on a number of factors, and no annuity quote engine or annuity calculator can cater for them all to produce an accurate tailored bespoke annuity quote. There are over 1,500 medical conditions [...]
Annuity checklist; a quick guide to getting the best annuity quote
Shopping around for annuity quotes is a bit like shopping around for car insurance. The difference is that with car insurance you’re looking for the cheapest quote, whereas with an annuity you’re looking for the highest income.
It’s important when you request an annuity quote that you have some idea of what you’re asking for if you want the best annuity quote and the best annuity income. Here’s a guide to assist you.
Do you have a spouse or partner? If yes, consider a joint life annuity and/or a guarantee period.
Are you concerned about inflation? If yes, consider an inflation proof annuity or an escalating income.
Reasons why you might qualify for higher annuity rates
If you suffer from ill health now, or if you have in the past.
If you smoke regularly and have done so for the last ten years.
If you’re overweight, or perhaps obese.
If you drink alcohol on a regular basis.
If your occupation is of a more manual nature, perhaps hazardous in some way.
If you live in a ‘less wealthy’ area of the country.
