UK Annuities: FINANCIAL CONDUCT REGULATED SITES • QUALIFIED, TRUSTWORTHY ANNUITY ADVICE

Centralising Your Pension Annuity Search

BUT FIRST, SOME IMPORTANT INFORMATION THAT COULD BOOST YOUR RETIREMENT FINANCES Have you taken out a credit or store card, mortgage, secured loan, unsecured loan or hire purchase agreement in the last 10 years? If you have (or have had) a mortgage, loan or credit card with providers such as Barclaycard, Abbey, Santander, Littlewoods, MBNA, Halifax, HSBC, HBOS, Lloyds, Natwest, RBS or in fact any other credit provider, you may be able to reclaim up to £15,000 if you were sold PPI insurance - in most cases even if you have lost the paperwork. Learn more about PPI Claims now!


annuity comparisons Visit Open Annuities

You could increase your annuity by thousands. Make sure you recognise the best annuity advice when you get it. The more information about annuities you have, the more able you will be to recognise the best annuity advice when you receive it.
Visit Open Annuities Financial Services Register Number 530750


Annuity Plan Visit Pension Annuity Plan

You may be able to secure several thousand pounds more over your lifetime from annuity providers than your current pension provider. Many are unaware of this very important information. The more information you have, the more able you will be to recognise the best deal when you see it.
Visit Pension Annuity Plan Financial Services Register Number 530750


annuities plan Visit Annuities Plan

All fund sizes welcomed. Why should the annuity buyer be careful? Buying from your pension provider isn't always necessarily the best idea.
Visit Annuities Plan Financial Services Register Number 530750


annuity comparisons Visit Pension Annuity Planner

This company may be able to increase your standard pension annuity through enhanced annuities.
Visit Pension Annuity Planner Financial Services Register Number 530750


annuity comparisons Visit Annuity Base

Using specialist annuity industry search software, an FCA registered Independent Financial Adviser will query top annuity and annuity alternative providers' databases to help you compare and choose which one is the best for you.
Visit Annuity Base Financial Services Register Number 530750


annuity comparisons Visit The Enhanced Annuity

Specialists in enhanced annuities. It is estimated that up to 40% of the UK population could boost their pension annuity income with an "enhanced annuity".
Visit The Enhanced Annuity Financial Services Register Number 483817


annuity comparisons Visit Annuity Comparisons

Why would you use an automated annuity comparison website when an authorised, qualified pension consultant can advise you which is the best annuity for free with no obligation to buy? There are many reasons why you should not trust your future income to comparison tables on faceless sites. In some matters you need absolute certainty.
Visit Annuity Comparisons Financial Services Register Number 483817


annuity comparisons Visit Annuities Extra

Pension annuities for those of us who are not in the best of health. If you've a health problem, no matter how small or insignificant you think it is, you'll stand an increased chance of a higher annuity income.
Visit Annuities Extra Financial Services Register Number 483817


annuity comparisons Visit Simple Annuities

Finding an annuity does not have to be difficult. Pension annuity retirement finance experts with vast experience of annuities are waiting to help you. Compare pension annuities and annuity alternatives now.
Visit Simple Annuities Financial Services Register Number 483817


annuity comparisons Visit The Female Annuity

1000's of women retire every week in the UK. Compare annuities for women and their alternatives.
Visit The Female Annuity Financial Services Register Number 460094


annuity comparisons Visit Annuity Pathway

Your simple pension annuity journey. How you might take the wrong annuity route and lose the annuity income that is rightfully yours.
Visit Annuity Pathway Financial Services Register Number 460094


annuity comparisons Visit Just One Bite Annuities

How a pension annuity will affect your life. You will only get one bite of the annuity apple. Once you buy an annuity, there's no going back.
Visit Just One Bite Annuities Financial Services Register Number 460094


annuity comparisons Visit Pension Annuities Plus

Your annuity income may increase if you have had certain conditions such as high blood pressure, asthma or high cholesterol. This is also true for smokers and for those who have worked in certain occupations. Get pension annuity comparisons now.
Visit Pension Annuities Plus Financial Services Register Number 483817


annuity comparisons Visit Annuity Answers

Why should the pension annuity buyer beware and why do so many retirees ignore a much bigger annuity income? Compare annuities now.
Visit Annuity Answers Financial Services Register Number 483817


annuity comparisons Visit Smokers Annuities

Your lifespan as a smoker and your annuity options. We're sorry to be blunt, but you most likely already know that smokers, in general, have shorter lifespans than non-smokers. Of course annuity providers are well aware of this unfortunate fact of life. Increase your annuity now.
Visit Smokers Annuities Financial Services Register Number 483817


annuity comparisons Visit Annuity Key

Unlike some companies, all fund sizes are accepted. The Retirement Income Customer Hotline Limited may be able to boost your pension income by more than 40% compared with your current pension provider's offering.
Visit Annuity Key Financial Services Register Number 460094


annuity comparisons Visit Buy an Annuity

Buying an annuity from your pension provider isn't always necessarily the best option! You might be able to secure several thousand pounds more over your retirement from annuity providers than your current pension provider.
Visit Buy an Annuity Financial Services Register Number 154622


annuity office Visit Annuity Office

We recognise our annuity clients as individuals, which is why we deal with every case on a one-to-one individual basis. Did you know for instance that your income may increase if you have had certain health problems such as high blood pressure, high cholesterol or asthma? This is also true for smokers and for those who have worked in certain occupations.
Visit Annuity Office Financial Services Register Number 483817


ANNUITIES: Annuities News


Pensions and Annuities Research:

Retirement reality hits hard

In the UK today, there are approximately 11.8million people of retirement age. With an average death age of 791 , a typical person in retirement can look forward to 16.5 years of relaxation and enjoyment in their later years – or can they?

As 14 participants, including Kyran Bracken, Rosie Millard and Liberal Democrat MP Jenny WiIllott, finish living on a state pension for just one week, AXA’s My Budget Day research amongst 1000 UK pensioners2 uncovers the reality of what life is really like for pensioners today.

Life in retirement

When it came to looking towards their retirement over one in six (almost two million) of all current pensioners dreaded the lack of a social life, boredom and loneliness. This is borne out in reality with a similar number of those very pensioners today associating their retirement with depression – particularly men with almost a fifth feeling this way. Boredom is also a prominent issue of retirement with 15% associating it with this while one in eight also associate it with poverty. Similarly, one in seven associate this period of their life with loneliness.  All of these things were experienced by many of the ‘Living on a State Pension’ participants:

“I felt rather isolated and it was quite a shock to notice how quickly I was becoming introverted” Rebecca Parsley, Yorkshire & the Humberside

“I felt very isolated, the small amount of money restricted me in so many ways…at many times I felt alone, usually sitting by myself eating homemade food from the night before.” William Rimmer, South East

“I became obsessed with food and money to the point where that’s all I thought and talked about.  I felt tired but that was probably because I didn’t eat much and I was lounging around.” Judie McCourt, North East

“What struck me most is that you can’t save anything, there’s no financial slack for little luxuries” Jenny Willott, Liberal Democrat MP

One of the biggest causes of sadness among pensioners is the isolation they feel being away from their family. The average retiree lives 53 miles away from relatives with one in eight living over 100 miles away. When asked, almost one in seven admit regret at not moving closer to family members before they retired.

“I was very lonely and couldn’t afford to drive over to any family or friends” Carly Hockley, London

“Public transport was hopeless, I was continually stuck waiting and it was very difficult to get to some places.” Sam Wyatt, North West

Less than half of all retirees believe they are enjoying a better retirement than their parents (45%), with one in nine believing they are in fact worse off.

Coping with money

One of the biggest retirement anxieties was the need to live off a restricted budget with over four million current pensioners (35%) not looking forward to this aspect whilst over one in six, dreaded the lack of a social life. With an average retirement income of £2953, the research shows that average disposable income available each week for pensioners after all bills and outgoings, is just £68.07. Perhaps unsurprisingly, almost half of all retirees wish they had saved more for retirement, whilst almost a quarter would have contributed to a private pension if they could have prepared differently for their later years. Almost one in five (17%) would have retired later.

“Every single thing became a number with a pound sign before it.” Dwynwen Williams, Wales

“I took buying small things for granted… I will definitely be putting financial provisions in place” William Rimmer, South East

“I will be saving for the future, I couldn’t face living for real as I did during the experiment, it was so depressing.” Judie McCourt, North East

The research highlighted that while the maximum unexpected bill a pensioner could afford to pay is on average £1,666, one in 11 retirees (9%) would not be able to afford to pay an unexpected bill of £50 or less, with close to one in five (19%) having to borrow money from their friends and family should this happen. 17% would have to borrow from the banks, 10% would have to sell personal belongings and one in nine would pay for this on a credit card.

“I ran out of money with two days to go.” Kyran Bracken

“I felt a real lack of independence, mainly because if I had an emergency that required money I would have to rely on others.” Judie McCourt, North East

“I had been worrying all week so I hoarded most of it in case of an emergency which affected what I could do day-to-day.” Dwynwen Williams, Wales

“It’s a clich?©but life isn’t just about surviving, it is also about living and the basic state pension doesn’t allow you to do that.” Jenny Willott, Liberal Democrat MP

Rosie Millard had to resort to borrowing from her husband after she used up her week’s pension by Day 5 of the AXA Living on a State Pension experiment; a common solution for pensioners too.

Steve Folkard, Head of Savings and Pensions Policy at AXA said: ‘Our research shows that far from the idyllic existence we are envisioning for ourselves in retirement; the reality is that our days are filled with much more mundane activities, largely because we are restricted - both by wealth and health - in what we can do. With 64% of people planning to support themselves in their retirement with the basic state pension, this is clearly an issue we need to address.

“The 14 participants completing our ‘Living on a State Pension’ challenge realised just how tough this could be with boredom, isolation and poverty affecting their day-to-day lives, just as it does for many pensioners today.”

Recent research4 commissioned by AXA shows that the UK population believes that in retirement they will be splashing out on exotic holidays (44%), eating out regularly with friends (45%), spoiling the grandchildren (45%), going to the theatre (45%) and even buying new cars (over one in five). However the reality is that they will be facing years in front of the TV, sleeping and reading books to pass the time as boredom and budgets limit our retirement dreams.

The My Budget Day research5 shows that on average during their 16.5 years of retirement, UK pensioners will spend:

Over five years (almost 66 months) sleeping or napping
Almost one and a half years reading books, newspapers and magazines (just over 17 months)
Over two years (over 25 months) watching TV and using the Internet

1 World Health Organisation

2 Research completed by Onepoll amongst 1000 retirees during November 2009

3 http://research.dwp.gov.uk/asd/pensioners_income.asp

4 Source: YouGov Plc. Total sample size was 2110 adults. Fieldwork was undertaken between 15th - 16th October 2009. The survey was carried out online. The figures have been weighted and are representative of all GB adults (aged 18+).

5 Research completed by Onepoll amongst 1000 retirees during November 2009

Keywords: Pension, Annuities, Annuity, Pensions

Please note that the annuities and income drawdown information contained within the articles and general text on Annuities Central may not be intended for annuity consumer use, may no longer be current and should not be used by consumers to make financial decisions. It is very important that you don't use this annuity information in isolation to decide which annuity or annuity alternative to buy. Annuity comparisons and pensions information or opinions expressed are made as at the date of this publication and are subject to change without notice. Always seek the help of an annuity broker before you buy an annuity.

annuity comparisons Visit Open Annuities

You could increase your annuity by thousands. Make sure you recognise the best annuity advice when you get it. The more information about annuities you have, the more able you will be to recognise the best annuity advice when you receive it.
Visit Open Annuities Financial Services Register Number 530750


Annuity Plan Visit Pension Annuity Plan

You may be able to secure several thousand pounds more over your lifetime from annuity providers than your current pension provider. Many are unaware of this very important information. The more information you have, the more able you will be to recognise the best deal when you see it.
Visit Pension Annuity Plan Financial Services Register Number 530750


annuities plan Visit Annuities Plan

All fund sizes welcomed. Why should the annuity buyer be careful? Buying from your pension provider isn't always necessarily the best idea.
Visit Annuities Plan Financial Services Register Number 530750


annuity comparisons Visit Pension Annuity Planner

This company may be able to increase your standard pension annuity through enhanced annuities.
Visit Pension Annuity Planner Financial Services Register Number 530750


annuity comparisons Visit Annuity Base

Using specialist annuity industry search software, an FCA registered Independent Financial Adviser will query top annuity and annuity alternative providers' databases to help you compare and choose which one is the best for you.
Visit Annuity Base Financial Services Register Number 530750


annuity comparisons Visit The Enhanced Annuity

Specialists in enhanced annuities. It is estimated that up to 40% of the UK population could boost their pension annuity income with an "enhanced annuity".
Visit The Enhanced Annuity Financial Services Register Number 483817


annuity comparisons Visit Annuity Comparisons

Why would you use an automated annuity comparison website when an authorised, qualified pension consultant can advise you which is the best annuity for free with no obligation to buy? There are many reasons why you should not trust your future income to comparison tables on faceless sites. In some matters you need absolute certainty.
Visit Annuity Comparisons Financial Services Register Number 483817


annuity comparisons Visit Annuities Extra

Pension annuities for those of us who are not in the best of health. If you've a health problem, no matter how small or insignificant you think it is, you'll stand an increased chance of a higher annuity income.
Visit Annuities Extra Financial Services Register Number 483817


annuity comparisons Visit Simple Annuities

Finding an annuity does not have to be difficult. Pension annuity retirement finance experts with vast experience of annuities are waiting to help you. Compare pension annuities and annuity alternatives now.
Visit Simple Annuities Financial Services Register Number 483817


annuity comparisons Visit The Female Annuity

1000's of women retire every week in the UK. Compare annuities for women and their alternatives.
Visit The Female Annuity Financial Services Register Number 460094


annuity comparisons Visit Annuity Pathway

Your simple pension annuity journey. How you might take the wrong annuity route and lose the annuity income that is rightfully yours.
Visit Annuity Pathway Financial Services Register Number 460094


annuity comparisons Visit Just One Bite Annuities

How a pension annuity will affect your life. You will only get one bite of the annuity apple. Once you buy an annuity, there's no going back.
Visit Just One Bite Annuities Financial Services Register Number 460094


annuity comparisons Visit Pension Annuities Plus

Your annuity income may increase if you have had certain conditions such as high blood pressure, asthma or high cholesterol. This is also true for smokers and for those who have worked in certain occupations. Get pension annuity comparisons now.
Visit Pension Annuities Plus Financial Services Register Number 483817


annuity comparisons Visit Annuity Answers

Why should the pension annuity buyer beware and why do so many retirees ignore a much bigger annuity income? Compare annuities now.
Visit Annuity Answers Financial Services Register Number 483817


annuity comparisons Visit Smokers Annuities

Your lifespan as a smoker and your annuity options. We're sorry to be blunt, but you most likely already know that smokers, in general, have shorter lifespans than non-smokers. Of course annuity providers are well aware of this unfortunate fact of life. Increase your annuity now.
Visit Smokers Annuities Financial Services Register Number 483817


annuity comparisons Visit Annuity Key

Unlike some companies, all fund sizes are accepted. The Retirement Income Customer Hotline Limited may be able to boost your pension income by more than 40% compared with your current pension provider's offering.
Visit Annuity Key Financial Services Register Number 460094


annuity comparisons Visit Buy an Annuity

Buying an annuity from your pension provider isn't always necessarily the best option! You might be able to secure several thousand pounds more over your retirement from annuity providers than your current pension provider.
Visit Buy an Annuity Financial Services Register Number 154622


annuity office Visit Annuity Office

We recognise our annuity clients as individuals, which is why we deal with every case on a one-to-one individual basis. Did you know for instance that your income may increase if you have had certain health problems such as high blood pressure, high cholesterol or asthma? This is also true for smokers and for those who have worked in certain occupations.
Visit Annuity Office Financial Services Register Number 483817