UK Annuities: FINANCIAL CONDUCT REGULATED SITES • QUALIFIED, TRUSTWORTHY ANNUITY ADVICE
Centralising Your Pension Annuity Search
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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:Buy-ins replaced by DIY swaps in the race to hedge risk
UK - July 14, 2009 - Pension funds are now more likely to design their own ways of hedging risk than buy a bulk annuity solution because of advances in longevity swaps and current market conditions, according to Watson Wyatt. This follows the announcement that the trustees of two of the pensions schemes sponsored by RSA Insurance group plc have completed a transaction to hedge much of their pensioner liabilities against longevity improvement. Watson Wyatt was the lead Investment Consulting adviser to both, and Actuarial adviser to one, of RSA’s pension scheme trustees. The size of the transaction is larger than anything comparable in the pension fund market. Paul Trickett, European head of investment consulting at Watson Wyatt, said: “As part of their ongoing de-risking strategies, pension funds are now able to hedge multiple risks, including longevity, without having to purchase annuity policies which are less attractive than a year ago. This ‘do-it-yourself’ approach is likely to catch on because trustees can retain control of how the assets are invested and don’t need to sell other assets they are holding in order to enhance returns. There is also a key benefit of increased ability to manage counterparty risk.” According to the firm, which was also the lead advisor on the recent Babcock transaction, the main attractions of hedging longevity risk in this way are: no requirement for immediate contributions from the sponsoring employer no requirement to sell assets at the current depressed prices its potential cost effectiveness compared to a conventional annuity that it incorporates the added protection of strong collateralisation processes, supported by very high quality bonds. As a result, Watson Wyatt has experienced significant demand from pension funds for services in this area, particularly in the current environment, that is characterised by limited liquidity and the need for investment returns to help reduce deficits. Paul Trickett said: “Now that a few large funds have completed such transactions, we expect more to follow quite quickly. Given our clients’ significant interest in hedging longevity risk in this way we expect the growth of this market to mirror that of the inflation-linked derivatives market which exceeded £20bn* last year.” The firm warns that no transaction is risk free and points to complexity and counterparty risk as issues that pension funds will need to deal with. It suggests that trustees need to have a thorough understanding of derivative contracts that are more complicated than those used in inflation and interest rate swaps, due to considerations around mortality. Regarding counterparty risk, the firm suggests that structuring longevity hedges using the best features of insurance and banking-style products can be used to obtain better security for pension scheme members. 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.
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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