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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.

Tax-Free Cash

Tax-free cash has its limits 

Tax-free cash is that proportion of your hard earned pension fund that you can elect to take as a lump sum (tax-free). It is now more commonly known as the ‘pension commencement lump sum’ (PCLS) and can be taken when you take your pension benefits. 

Broadly speaking, the most tax-free cash sum that you can take is limited to a maximum of 25% of the underlying pension fund value. Naturally, if you take any tax-free cash from your pension fund you will have less to buy your annuity with. 

It is possible to get access to your tax-free cash early without actually buying an annuity. Click on the link to find out more.

If you have occupational pension scheme benefits from before Pensions A-Day, 6 April 2006, you may have a tax-free cash entitlement in excess of 25% of your pension fund value.

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.

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