November 2011 Archive
Enhanced annuity case studies
Here we show some enhanced annuity case studies. An enhanced annuity will pay you a higher income throughout your retirement if you have certain medical or lifestyle conditions, such as smoking, for example. You could be offered up to 40% more income than someone in good health might be offered. If you have any medical [...]
How to plan your retirement
A simple enough statement, how to plan your retirement, simple but very important. The first rule about planning your retirement is not to accept your current pension company’s first offer of an annuity income. As you approach your retirement the pension company that holds your pension fund will write to you to offer you an [...]
Pros and cons of annuities
Let’s consider the pros and cons of annuities. An annuity is an investment that guarantees to pay you a secure guaranteed regular income for the rest of your life. There are many advantages, and some disadvantages, to buying an annuity for your retirement income. Looking at the advantages first: annuities are simple products and easy [...]
Higher annuity rates
Are you one of the many thousands of people who could qualify for higher annuity rates at retirement? Many people approaching retirement age simply don’t realise they could receive higher annuity rates if they suffer from ongoing health issues, or if their lifestyle might effect the income they get. Having certain health or lifestyle conditions [...]
Annuity rate
Do you know how your annuity rate is calculated? Do you know what factors are taken into account in working out how much retirement income you’ll get when you retire? The value of your annuity income is dependent on two key factors, the size of your hard earned pension fund and the annuity rate you’re offered [...]
Annuity case studies
These annuity case studies show just how much extra retirement income certain individuals obtained, suffering from various medical or lifestyle conditions when they retired. All enquiries through this website are handled by The Retirement Adviser, award winning independent financial advisers, and part of LEBC. Here’s how some of their clients benefitted from using their specialist at-retirement [...]
Annuity income on death
When you buy an annuity you need to consider what happens to the annuity income on death. What if you should die shortly after buying your annuity? What happens to the annuity income in those circumstances? Unless you have opted to purchase a joint life annuity your income will cease upon your death, whenever that occurs, [...]
Annuities options
If you buy an annuity to provide you with your important retirement income, there are several annuities options available to you, enabling you to set your annuity up to meet your particular requirements. Arranging your annuity is important. Not only do you need to choose the right type of annuity, you need to select the right [...]
Best annuity
If you do decide to buy an annuity for your retirement income it’s important you get the best annuity, one that is most suited to your particular needs and circumstances. There are various types of annuities to consider, as well as other types of retirement products. For example, you get substantially higher annuity rates if [...]
Annuity quotes
Annuity quotes vary greatly between different insurance companies – the annuity providers. To get the best annuity quotes it’s important you know what you’re looking for and provide accurate information about yourself and your circumstances. Accurate annuity quotes are based on many factors these days, and are somewhat bespoke: your age, gender, health, lifestyle, are you [...]