This could be the most import financial decision you make,
don't settle for what your existing pension provider offers.

How To Get Top Annuity Rates & Increase Your Retirement Income By Up To 40%!

You do not have to buy your annuity from the same company you have your pension fund with. By excercising your Open Market Option & shopping around you could increase your retirement income substantially!

i) Do you require a single or joint life policy?

ii) Do you want the policy to be index linked so that it increases with inflation?

iii) Whether you have any health or lifestyle considerations.

iv) Do you wish to take your 25% Tax Free Cash Lump Sum from your pension fund?

Comparing Every UK Annuity - A Bespoke Service

In order for us to quote you an accurate rate we do need to clearly understand your individual circumstances and requirements. We cannot give accurate online quotes without knowing the full details but we will save you a lot of time and money once we understand your requirements. Please complete our FREE No Obligation Form to speak to us today and you could increase your retirement income by up to 40%!

What is The Open Market Option?

Many people are unaware that they have the right to give their pension pot to whichever annuity provider will pay them the highest income for life. This is known as an open market option. This can make a significant difference to the level of income you receive and therefore your lifestyle in retirement.

Buying an annuity is one of the most important financial decisions you will ever make as it determines the level of income you will receive from retirement for the rest of your life.

Will I pay a Fee?

We do not charge you a fee - our advice is completely free and if you decide to follow our recommendations we are renumerated by the annuity company. We will act on your behalf to find the most suitable product from the whole UK annuity market for you based on the information you provide us. The more we know about your requirements and needs the easier this will make our job.

Once we have made our recommendations your are free to go directly to the providers should you wish. You do not have to follow our advice!

Will you Shop Around for us?

In the past, pension annuity advice has been difficult to find, but now by using our dedicated software we are able to make this specialist advice available to everybody.

Taking time now to shop around is time well spent, but you need to be aware of all your options, not just the annuity option. This is where we can help you.

We are Independent and recommend from the whole market.

Impaired Health Annuity

Minor conditions such as raised blood pressure and lifestyle choices such as smoking can make you eligible for an enhanced annuity rate. It is estimated that 40% of applicants are entitled to an enhanced rate but many are not benfitting from this because they have not been made aware that they are eligible. If you have any medical condition we will investigate whether this deems you eligible for an enhanced rate (this may vary from provider to provider).

Income Drawdown

Allows you to take your lump sum from your pension fund and receive a flexible income from nil to the maximum allowed, if required without purchasing an annuity. If you wish to consider this option it is important that you fully understand the process and when you wish to take the income, as it may not necessarily be the best option for you. We can advise you on all aspects of income drawdown and whether you should consider this as an option.

What Should Influence My Choice Of Annuity?

You need to think about more than your current income requirement. How much money will you need in future? Will you need to make provision for your husband or wife or civil partner as well? Are you planning to take a pension commencement lump sum from your pension pot - doing so will reduce the amount of money available for annuity purchase.

In addition to a basic income for you in retirement, your pension fund can also be used to buy a number of additional annuity benefits, such as pensions for dependants, guarantee periods, etc. The basic annuity offers a set level income that will not change. However, in addition to extra benefits you may also elect to purchase an annuity that pays more over time.

However, it is important to remember that the more "additional benefits" you wish your pension to provide, the lower your actual income is likely to be. This is because each of these benefits has a cost, which reduces the proportion of your annuity that is available to provide you with an income. Once the annuity has started you may not change the benefits selected, which means it's important you consider your options very carefully.