I thought it important to give you information about pension annuities; how to get the best annuity rates for your particular set of circumstances. It’s important when you ask for an annuity quote that you have some idea of what you’re asking for if you want the best annuity rates to fit your requirements. Here’s a guide to help you. First, do you have a spouse or partner to consider? If yes, you should think about a joint life annuity or a guarantee period. Perhaps you suffer from some form of ill health. If yes, you could be eligible for higher enhanced annuity rates. Maybe you’re a regular smoker, and have been for 10 years. If you are, you could be eligible for higher smoker annuity rates.
Maybe you’re a bit overweight, or perhaps you’re obese. If so, you could qualify for higher annuity rates. Do you consume alcohol on something of a regular basis? If you do, again you could qualify for higher annuity rates. Is your occupation of a more manual nature, perhaps you’ve a hazardous occupation in some way? If so, again you could qualify higher annuity rates. Perhaps you live in a ‘less wealthy’ area of the country, maybe somewhere around Glasgow (for example). If you do, postcode annuities could well provide you with the best pension annuity rates. Maybe you’re concerned about the ongoing effects of inflation on your income. If you are, you might want to consider an RPI linked annuity or an annuity with an escalating income of, say, 3% or 5%. Finally, do you want the best guaranteed income to be paid to you for the rest of your life? If you do, we can help you.


