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:

Pensions Green Paper - possible missed opportunity for public wanting major change

A new survey reveals people are confused over pensions and are not properly providing for their future. Despite announcing new measures in the Green Paper the Government has failed to address these core problems Following the publication of this week’s Pensions Green Paper, a survey* from The MarketPlace at Bradford & Bingley points to a missed opportunity as the findings reveal that the vast majority of people want fundamental change. Figures also show a large proportion of the population either don’t have a pension at all or have inadequate provision, many having little idea how much they should be saving. With the failings of the current system evident, the need to make pensions simpler and more accessible is growing ever more urgent. STARTLING NEW FIGURES SHOW: nearly 90% think the Government should do more to simplify pensions and make them fairer less than 20% understand the rules governing pensions almost 30% of people don’t have any pension provision at all only half know how much they have to contribute to get their desired income when they retire over one third are not on target for the retirement they want less than 20% want the current pension/annuity situation to continue over 70% would like more flexibility in their pension arrangements almost 70% would even be prepared to pay more for an annuity to secure benefits for their family on death GREEN PAPER The Government has proposed that the taxation system will be simplified and that workers can now begin to draw their occupational pension benefits from age 65 without necessarily having to retire from that job. However, this isn’t as ground-breaking as it might appear and in any case, doesn’t address the estimated £27 billion savings gap needed to allow Britons to retire on a reasonable income. Nick Breton, retirement specialist at The MarketPlace at Bradford & Bingley, commented: “The Green Paper in my view is a missed opportunity, long on words but short on any real substance. While any moves towards greater flexibility and simplicity is welcome, I think it would be a big mistake for the Government to hang its hat on this being a significant response to the growing pensions crisis. The new measures announced this afternoon might seem innovative but the fact is that people can already draw their pension from a personal pension at any age from 50 whilst still working. They can also draw pension benefits from occupational schemes whilst working for a different company. Furthermore, while simplifying the taxation system is supported, such reforms don't go far enough. “They don’t address, for instance, the estimated £27 billion savings gap needed to allow people to retire on an adequate income. The proposal simply keeps more over-65s in the labour pool. It doesn’t encourage younger workers to invest more for retirement. In fact it may discourage some as they will simply elect to save less now and work longer.” INADEQUATE PROVISION 30% of people don’t have a pension at all and nearly 40% of people are not on target for their retirement income. However, this figure could be even higher as many people may believe they are on track, simply because they are contributing to a plan, without realising they need to be putting away significantly more in order to get the retirement income they want and expect. Nick Breton said: “These figures quite clearly show that the current pension system is failing many of those working hard to save for their retirement. With most people having to rely on their private pension once they retire, the fact that many don’t have adequate provision means that unless vital action is taken, a large proportion of the population will be facing old age in relative poverty. “I believe many people are unaware about how much they need to be contributing in order to have enough money when they retire. There needs to be more transparency with regards to pensions and plan holders should be able to track progress of their funds to ensure they are on target to achieve their desired income.” COMPLEX RULES & RIGID REGULATIONS Less than 20% of people understand the rules governing pensions and almost 90% are calling for change to simplify and make fairer. With such complex rules and rigid regulations, the system is in desperate need of an overhaul. Breton continues: “This should really be a wake-up call for the Government, so far reluctant to implement bold change. Without a full-scale shake-up, I fear there will be increasing numbers of people failing to make proper provision for their retirement because they don’t understand how pensions work or feel they are unfair and unreasonable.” ANNUITY ISSUE Over 70% of people want greater flexibility in their pension arrangements. They want to be able to choose when, and indeed if, they buy an annuity with the option of investing all or part of it in investment plans such as savings accounts, ISAs or the stock market in order to achieve higher growth. In addition, almost 70% would even be prepared to pay more for an annuity if it meant benefits would be returned to their family if they died sooner than expected. Nick Breton concludes: “We would have hoped the Green Paper would have gone farther with its reform of annuities, however, we do welcome the proposal to allow value-protected annuities to be offered, refunding any unspent fund to the estate if an individual dies before age 75. “Overall though, these findings plainly show that radical change is needed if people are going to move towards their retirement with peace of mind. In short, pensions need to be simpler, more straightforward and accessible. While the Government has proposed some changes it has clearly missed an opportunity in the Green Paper to propose the kind of changes that are needed, but we would hope that bolder changes will be implemented in the near future.” People wanting pension advice or other financial information can call free on 0800 11 33 33, pop into their local Bradford & Bingley branch or visit www.marketplace.co.uk * Pensions survey carried out by Taylor Nelson Sofres between 03-05 December 2002. Other comments on the Government’s proposals: The proposal for pension providers to give tailored forecasts of pension benefits was set out in the 1998 Green Paper which launched Stakeholder Pensions. Whilst we welcome the proposal, it isn’t new. The proposal for a new pensions regulator as well as OPRA (Occupational Pensions Regulatory Authority) may well add a layer of cost which won't be in individuals’ or employers’ interests. We give a cautious welcome to the proposal to make scheme membership a condition of employment, though this is unlikely to be a significant response to the pensions crisis by itself. Employers would make themselves less attractive compared to other firms not requiring scheme membership as a condition for employment, and we believe that this proposal must be accompanied by a more imaginative contribution from the Government. 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