If you would like to obtain an annuity quote or make an enquiry, with no obligation, please click on the orange button above.  There are just two sections, which should only take three or four minutes to complete.  If you would prefer to give your details by telephone please feel free to ring.

If you have any questions at all regarding any aspect of annuities or retirement income, please do not hesitate to contact us by email or telephone.  Our contact details are shown to the right.

We generally find that we are unable to obtain competitive terms if the pension fund is less than £30,000 after taking any lump sum, except in cases of smokers and/or ill health.

We fully understand that most people only deal with this issue once, and there is a great deal of information to digest.  We are happy to help you with this very important decision.

There are several Annuity Options available to those seeking an income from their pension funds, the most straightforward being a standard annuity, sometimes also known as a conventional, or guaranteed annuity.

This is a straightforward product which guarantees an agreed level of income for life, regardless of interest rate changes, stockmarket performance, or any other external influences. A Fixed Annuity will remain at the same level, and therefore lose its value over time due to inflation, whereas an Indexed Annuity will maintain its purchasing power by rising in line with the Retail Prices Index (RPI). Alternatively the annuity can be arranged to increase by a fixed percentage selected at outset.

The initial income from an increasing annuity will be significantly less than that from a level one, the difference sometimes being up to a third, so it is important to consider factors such as predicted inflation, your likely life expectancy (taking into account your family's history of longevity), other sources of income, etc.

Although a standard annuity is a relatively simple contract, the many options available, such as single or joint life, guarantee periods, escalation etc, mean that it is important to obtain specialist annuity advice before making a decision.

In addition we sometimes find that people who do not consider themselves to be in poor health can qualify for an Enhanced Annuity even though they may not have any particularly serious medical conditions.

Remember that, unlike most investment vehicles, you can't change an annuity once it has been set up, so you have to live with whatever decision you make for the rest of your life.

Call  0845 123 5590  or  01325 487192