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

Centralising Your Pension Annuity Search

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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: Zurich Annuities and Pension News


Pensions and Annuities Research:

Financial Advisers urged to advise on pensions, annuities and saving for retirement

Changing lifestyles drives appetite for advice on pensions and saving

Financial advisers have a central role to play in advising on pensions, annuities and saving for retirement

Zurich is urging advisers to review their clients’ retirement portfolios in light of people delaying their retirement, or considering going back to work – a term dubbed ‘returnment’.

This emerging trend, described by independent think tank the Future Laboratory, was first unveiled at the recent Zurich credit crunch conference and describes the changing nature of retirement in the UK.

New research from Zurich reveals that over a third of people (38%) over the state retirement age have carried on working or returned to work.  Zurich’s survey also examines the role played by financial advisers providing advice for clients over retirement age and some of the reasons behind this emerging trend of returnment.

The online poll carried out earlier this year asked advisers to share their clients’ current experiences of retirement.

Over a third of clients (36%) stated they carried on working because they simply couldn’t afford to retire.  As well as financial reasons it seems there are other reasons for continuing to work.  A quarter of clients (25%) wanted to stay active and alert whilst  nearly a fifth (19%) were bored in retirement.  A further 15% felt the urge to still make a contribution to working life.

Dave Lowe, Pensions Management Director, Zurich UK Life, commented:  “As life expectancy continues to rise and the amount of time people spend in retirement increases, we are urging advisers to review their clients’ retirement planning.  With more and more people expecting to be active in retirement, the need for financial advice has never been greater.”

The survey also showed regional differences between clients choosing to carry on working post retirement.  In the North East, advisers reported that half (50%) of their clients had returned to work, whilst less than a third of clients (30%) of those based in the South West were returnees.   As a nation, the Welsh are more likely to go back to work, with nearly half of clients (48%), returning to work compared to three out of ten Scots (31%) and a fifth of those from Northern Ireland (21%).

Zurich’s research sought advisers’ views on how their clients are choosing to work beyond retirement age.   Nearly four out of ten people (38%) have carried on working without actually retiring whilst a third of people (33%) have moved to a part time role with a further 14% becoming self employed as a consultant or similar.  Interestingly, the survey reveals that a growing number of people are choosing to return to work after they have retired (10%) with many setting up their own businesses (5%).

Worryingly, despite this changing lifestyle, the research reveals that a fifth (20%) of financial advisers have not taken the opportunity to review their clients’ retirement planning as a result of clients returning to work in retirement.

Of those surveyed that have reviewed their clients’ retirement planning nearly four out of ten advisers (39%) have advised their clients to just take their tax free cash.  More than a fifth (22%) advised their clients to take the income as well as the tax free cash, and more than a third (37%) recommend leaving any pension invested.

Concludes Lowe, “As more and more people are re-evaluating how they spend their retirement, advisers have an important role to play in helping people plan for their retirement.  We believe that advisers have a responsibility to make people aware of the different ways of funding their retirement, such as Income Drawdown, as well as the taking the traditional annuity option.

We need financial advisers to review their clients’ pension arrangements in light of changing lifestyles as more people are active in retirement.  By helping people take the right steps in their younger years, we believe people will be better placed to make the most of their accumulated wealth in retirement.

About the survey

The online survey was carried out by Zurich in February 2008.  A total of 557 independent financial advisers completed the survey published on Zurich’s adviser website.

Q1) Have many clients do you have that are over state retirement age who are working?

 North East 50
 Wales 48
 London 47
 West Midlands 42
 South East 41
 East of England 38
 Yorks 38
 East Midlands 37
 Scotland 31
 South West 30
 N Ireland 21
 North West 38

Q2) What percentage of these clients are doing the following?

Carried on working with out actually retiring
 38

Became  self employed as a consultant or similar
 14

Started own business
 5

Returned to work, having been retired
 10

Changed career
 0

Moved to part time
 33

Q3) What is the most common reason for them working beyond their State Retirement Age or choosing to return to work?

Couldn’t afford to retire
 36

Wanted to do something different that would make a difference to the community
 25

Didn’t have enough to occupy them in retirement
 19

Wanted to stay active and alert
 15

Missed the interaction with friends and colleagues
 3

Had the time and money to retrain and money to retrain and work in a different industry
 1

Felt they had a contribution to make to working life
 1

Q4) Have you had to review their retirement planning  as a result of their decision to return to work

Yes
 79

No
 21

Q5) What would you recommend for these clients

Take their tax free cash plus Income Drawdown
 10

Take their tax free cash plus annuity
 8

Take their tax free cash only
 32

No review done
 20

Leave my pension invested
 30

About ‘Returnment’

The term “Returnment” was coined by Futuroloigst Faith Popcorn which describes the changes to working demographics as baby boomers reverse their retirement and return to the office.  Returnment is currently an increasing trend, not a widespread phenomenon.  The Future Laboratory is one of Europe’s leading trend, brand and future consultancies.  It publishes quarterly insight reports on retial, technology, design, luxury, interiors and leisure.

About Zurich

Zurich Financial Services Group (Zurich) is an insurance-based financial services provider with a global network of subsidiaries and offices in North America and Europe as well as in Asia Pacific, Latin America and other markets. Founded in 1872, the Group is headquartered in Zurich, Switzerland. It employs approximately 60,000 people serving customers in more than 170 countries.

Zurich provides pension and annuity services.

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