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Why get an annuity quote today?
- Your Health— enhanced rates can run 6–15% higher, and most people have no idea they qualify
- Your Postcode— a real pricing factor
- Understand if annuity is right for you versus drawdown
- The Number of Pension Pots you have – undestand your options
- Choice – is an annuity the right choice for you?
- Guaranteed annuity rates – We check you don’t already have pots with guaranteed rates
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Reviews
Reviews are extracts of 5 star reviews received by advisers in our network.
“Brilliant advice, very thorough and everything explained, and all options explained completely. It is a very difficult process to understand, and can be difficult. I was contacted at every stage of the process and kept fully informed about how long the process would take.”
“I have saved all my working life for my retirement, I was very worried about what I would do with my pension money when the government announced that the annuity market was changing. Pension Advice Uk helped me to find the best options for me!”
“Friendly service, clear advice, took the time to explain the options and never felt under pressure to switch my pension…”
“I was at a loss trying to find a pension I had paid into over 20 years ago and was having no luck. I searched online for companies that provide pension tracing services and found this one had fantastic reviews, so I contacted them. I’ve been amazed at how fast and professional they’ve been. They found my pension within a couple of weeks and kept in contact throughout. Absolutely amazing — this is definitely a 5***** company, and I will certainly recommend them to everyone. Thank you!”
“I was totally satisfied with the personal care and experience I got and I was reassured with confidence that I was doing the correct thing…”
“found that at all the stages of the process the people I dealt with were very courteous and helpful. I was informed at all stages what was happening and now look forward to “spending“ what I have accumulated over the years.”
Why An Annuity Is Worth Looking At Again
For over a decade annuity rates were poor and most people ignored them. That has changed. Higher interest rates have pushed annuity rates up substantially from their lows, and for anyone who wants certainty rather than investment risk, they are back on the table.
An annuity is a straightforward trade. You hand over some or all of your pension pot, and in return you receive a guaranteed income – usually for the rest of your life. It does not run out. It does not fall when markets fall.
What it will not do is grow, and in most cases you cannot change your mind once it is set up. That is exactly why it is worth having the conversation with someone regulated before you commit.
Things a specialist will check that most people miss
- Enhanced rates. If you smoke, are overweight, or have a medical condition, you may qualify for a materially higher income. Many people never declare it and never get offered it.
- Shopping around. You are not obliged to take the annuity your current pension provider offers. The open market can pay more.
- Shape. Single life or joint life, level or increasing, guarantee periods, value protection. These change the income figure significantly.
- Whether an annuity is right at all. Drawdown, a mix of both, or waiting may suit you better. A regulated adviser will tell you if it does.
Common Questions
What is an annuity?
An annuity is a product you buy with your pension savings that pays you a guaranteed income, normally for the rest of your life. You can usually take up to 25 per cent of your pot as tax-free cash first, and use the rest to buy the annuity.
How much income will I get?
It depends on your pot size, your age, your health, and the shape of annuity you choose. Two people with identical pots can be quoted very different incomes. That is why comparing properly matters.
Can I change my mind later?
Generally no. Most annuities cannot be reversed once the cooling-off period has passed. This is the main reason to take regulated advice before you buy rather than after.
Do I have to use my current pension provider?
No. You have an open market option, which means you can buy your annuity from any provider. Staying put out of convenience can cost you income for the rest of your life.
What does this cost me?
Nothing to enquire, and nothing to be introduced. The adviser will explain their own charges clearly before you agree to anything.
Who will contact me?
One FCA-regulated advice firm. We do not sell your details to multiple companies and you will not be passed around.
Find Out What Your Pension Could Pay
Free, no obligation, and no pressure. Enter your details and a regulated specialist will call you back.