We Shop Around The Whole Annuity Market
We shop around the whole annuity market to bring you back the best rates and provide a whole of market Comparison
Free, No Obligation Annuity Quotes
We provide quotes from the top Providers to enable you to quickly compare the amounts of retirement income you could receive
Expert Annuity Specialist
Quotations are provided by leading annuity specialists, regulated by The Financial Conduct Authority
To Get Better Rates
Over 80% of people we speak to go on to secure a higher Annuity rate. Ensure you get the enhanced annuity rate you are entitled to. For example if you have either diabetes, high cholesterol, high blood pressure or smoke ( + over 500 other conditions) we can get you an Enhanced rate.
To Get A Higher Income
With years of experience within the "at retirement" market we can get you up to 40% more retirement income by knowing which providers can secure you the highest rate on the market, based on your individual circumstances.
To Get More Options
By speaking to a specialist they can give you a quote for a Lifetime Annuity, a Fixed term annuity and other flexible retirement income options so you have a wider range of products to choose from to make your decision.
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Lifetime AnnuityA guaranteed income for the rest of your life
A standard conventional annuity guarantees to pay you a fixed amount of income every year, for the rest of your life. This can be useful if you want to make sure your basis expenses are always covered, and that you never run out of money. If you are a smoker, suffer from any kind of health issue, or you are taking at least two forms of medication, you may qualify for an enhanced annuity. This means the insurance company will offer you a higher level of income. You can also opt to link your income to inflation, so when inflation increase, so does your income, although this will mean starting on a lower income than for a standard annuity.
Unless you include death benefits in your plan, your income will stop when you die.
There are different types of death benefit:
Fixed Term AnnuityA guaranteed income for a fixed term, and guaranteed maturity value at the end of that term
The fixed term annuity is often thought of as a half-way house between an annuity and income draw down. You can choose how much income you want for a given term (usually up to 25 years), and you are given a guaranteed lump-sum. You can also choose to have the guaranteed lump-sum set to zero, take maximum income and effectively deplete your pension fund over a fixed number of years. Unlike an annuity, you are not locked in for life and, unlike draw down, you don’t need to worry about investment risk. Some fixed term annuity providers allow you to vary the amount of income you are taking within the term.
The maturity value may be less than if your pension fund was invested in a draw down pension plan where plan where you choose where to invest your pension fund.