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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.

Annuity Guide

The following table is intended as a guide, to assist you with your annuity purchase, matching up your possible requirements with the right annuity type. It is not exhaustive, but hopefully it will prove helpful to you.

 

                Your Requirements

                       Type of Annuity

Looking for a guaranteed, risk free income. Fit  and healthy and non-smoking.

Conventional annuity

Looking for a guaranteed, risk free income. Fit  and healthy, and a smoker.

Enhanced annuity, with smoker annuity rates.

Looking for a guaranteed, risk free income.  Suffering from ill health, smoking or not  smoking.

Enhanced annuity, or possibly an impaired life annuity, depending on the  severity of the medical conditions.

Having a spouse or partner to consider.

A joint life annuity option, of whichever type of annuity that is appropriate, and/or a guarantee period.

Looking for the guarantee of a rising  income to combat inflation.

An escalating annuity payment option, of   whichever type of annuity that is appropriate, or an inflation proof annuity.

Looking for a potentially rising income with possible growth for your pension fund. Low to medium risk.

With profits annuity

Looking for a potentially rising income with possible growth for your pension fund. Medium to high risk.

Unit linked annuity

Having National Insurance rebates in a personal pension, having contracted out of the additional State pension.

Protected rights annuity

Wanting early tax-free cash, but not wanting to buy an annuity yet.

Income drawdown with nil income option.  For larger funds.

Having a larger pension fund and looking for income and investment flexibility.

Income drawdown, flexible annuity, variable annuity

Looking to phase your retirement over time.

Phased drawdown, phased retirement, temporary or short term annuities
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