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

Centralising Your Pension Annuity Search

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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.
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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


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


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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.
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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


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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: Scottish Widows Annuities and Pension News


Pensions and Annuities Research:

Barriers increasing in the pensions gender race

* Overall pension savings are up but the gender gap is widening ¡V just 47% of women are saving adequately for retirement compared to 59% of men (gap has widened by 3% since 2008)1

* Over a quarter (26%) of women that could and should be saving are not saving anything for retirement (rising from 22% in 2008) compared to just 15% of men

* The economy has impacted - number of women who believe that job insecurity will prevent them from saving in the coming year has doubled (currently 12%, compared to 6% in 2008)

* Debt preventing savings ¡V women have over £1000 more non-mortgage debt than men

* Family as a barrier to savings ¡V 24% of women with dependent children have had to stop some pensions savings because of children

* Young women don¡¦t intend to rely on the Government ¡V only one third of women (35%) aged 18-29 think that the state pension will help them have a reasonable standard of living

* In denial over retirement - 44% of women with no private pension believe they will never contribute to a private pension

Women continue to lose out to men as the gender pensions gap widens according to the fifth annual Scottish Widows Women and Pensions Report - Women's pensions today and tomorrow as the financial crisis takes its toll. Over the past year fewer women are saving in to pensions, with over a quarter (26%) of those that could and should be, doing nothing to save for retirement (up from 22% in 2008) - this compares to just 15% of men. Only 47% of women are saving adequately compared to 59% of men and just 52% of women over 50 are saving enough, which has fallen from 57% last year.

Impact of recession on women's savings One of the biggest consequences of the economic downturn has been the impact on the nation's pensions pots. 42% of women with a pension and not retired believe that the downturn has impacted the size of their pension pots and only 12% of women thought that their pension pot would be unaffected by the downturn, this compares to nearly one in five (18%) men. Not only this but the uncertain outlook for the job market has impacted women's savings; the number of women2 who believe that job insecurity/economic outlook will prevent them from saving in the coming year has doubled (currently 12%, compared to 6%).

While women are more conscious than men that they need to save for retirement (28% of women with a pension and not retired are aware they need to save more compared to 24% of men) this isn't actually translating into increased savings. In 2008, 48% of women aged 18-29 claimed that they were likely to save more towards retirement at some point over the next year, but only 22% have actually done so. Overall, 31% of women in 2008 said they intended to save more but only around one in six (16%) actually did. Over half of women (54%) feel less well off then they did 5 years ago, while men are slightly more upbeat with over a third (36%) believing they are better off than 5 years ago.

Not only are women not saving enough for retirement but they also have more debt than men, on average women have around £1000 worth of extra debt than men (women have £12,156 in non-mortgage debt while men have £11,080 on average).

Ian Naismith, Head of Pensions Market Development, Scottish Widows comments: ¡§During the economic downturn overall pensions savings have increased, but this is mainly among men and the gender gap has actually widened compared to last year. Although it is encouraging that women have the desire to put more aside for retirement, this does not seem to be translating into actual increased savings particularly and they also have more non mortgage debt than men. Year on year our findings have exposed women as the pensions underdogs and in a climate when people need to be saving more than ever for their futures, it is worrying that women over 50 are actually saving less than previous years.

Family life takes priority One of the main barriers to saving for women is having children and the impact on their lifestyle. Almost a quarter of women with dependent children (24%) have stopped or reduced pension contributions and other long-term savings in some way as a result of having children. In addition, women are almost twice as likely to stop pension contributions and long term savings compared to men, with over one in ten (12%) stopping all pension contributions because of starting a family, compared to just 7% of men. Many women's working patterns are also interrupted by having children, 82% of men aged 30-50 work full time, this drops to 47% of women of this age. Of those women not working, 39% are caring for children compared to just 23% of men3.

Reliance on the state to fund retirement While not working consistently means that many women will have to rely on the state to fund retirement, younger women are more realistic about having to provide for themselves when it comes to their futures. Only one third (35%) of women aged 18-29 think that the state pension would help them have a reasonable standard of living. Only 6% of women of this age think that the state will contribute most of their retirement income. But this does not mean that women believe they will be contributing to a pension scheme anytime soon. 44% of women with no private pension believe they will never pay into a private pension scheme and over a quarter (28%) of non-retired women have no private pension schemes (that they expect to receive an income from) compared to 22% of men. While fewer women will be directly hit by the demise of final salary pension schemes (only 34% of women with a private pension have a DB scheme compared to 41% of men), they may be indirectly hit as one third of men (32%) have a dependent spouse and this rises to 44% of men over the age of 50.

Ian Naismith, Head of Pensions Market Development, Scottish Widows comments: ¡§There is a long way to go before women catch up with men when it comes to pensions savings but the issues of taking time out to have children and interrupted working patterns are never going to change. While it is encouraging that younger women accept that the state won't provide them with enough to fund their retirement, there is still more that women can do to save for their futures.

It is also up to the Government and the industry to accept that women need a bit more flexibility when it comes to pensions savings. While progress has been made in this area there is still more than needs to be done such as placing more value on workplace pensions and enabling women to access funds before retirement which would better suit their lifestyles. While many women put their families first they need to take time to think about themselves and their needs when planning for retirement.

Men vs women - the pensions savings facts

* On average women who are members of DC employer-arranged schemes are contributing nearly £90 a month compared to men contributing nearly £168

* Of those contributing to a private pension scheme, women on average are contributing nearly £184 a month compared to men contributing nearly £331

* A third of women (34%) have access to a DB scheme compared to 41% of men

* Around a quarter of men (with a private pension scheme) (24%) are contributing to an individual personal pension compared to just 14% (D889) of women - this has fallen from 17% in 2008

* On average women who could save more believe they could contribute nearly £84 more per month to long term savings compared to men who believe they could save £129 more per month

* 38% of women (D516) don't believe they can save anymore for retirement compared to 34% of men (C516)

Scottish Widows Pensions Index - a widening gender gap (percentage of men and women saving adequately for retirement) 1 Ian Naismith, Head of Pensions Market Development, Scottish Widows concludes: For many women the issue of pensions is a vicious circle, but they need to try and prioritise saving for retirement even if they contribute less when they have children or change their working patterns. The golden rule is that people should save 12% of their income to ensure they have an adequate retirement. While many women focus on the present it is key that they also need to plan for their futures as well.

* The fifth annual Scottish Widows Women and Pensions Report will be launched at an event at the House of Lords on Tuesday 13th October at 6.30pm.

This survey was carried out online by YouGov who interviewed a total of 5007 adults between 6-9th April 2009.

For info - of the 5007 sample, 1790 (36%) are eligible for the savings index and ratio (ie aged between 30 and state pension age, not retired and earning more than £10,000 a year). YouGov estimates that the population 18+ is 48.5 million. Therefore around 17.5 million (36% of 48.5 million) are eligible for the savings index and the ratio.

1 The Index is based on those who could and should be preparing financially for retirement _ those aged 30 or over
(and not retired) and earning at least £10,000 a year. Saving adequately is defined as those that save 12% of their income or more for retirement. In 2008 46% of women who could and should be were saving adequately compared to 55% of men

2 Based on women who are unlikely to save more for the long term in the next 12 months
3 Excludes men and women who are unemployed, retired or on long-term sick

Scottish Widows was founded in 1815 as Scotland's first mutual life office. Becoming part of the Lloyds TSB Group in 2000, which subsequently became Lloyds Banking Group in 2009, Scottish Widows has become one of the most recognised brands in the life, pensions, annuity and investment industry in the UK. The product range includes ordinary long term insurance, such as life assurance, pensions, annuities and permanent health insurance, and savings and investment products. Using a multi-sales network of Financial Advisers, Direct Sales, Direct Marketing, the Internet and via the branch network of Lloyds Banking Group, Scottish Widows currently employs about 4,000 people.

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