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 Tax, Annuities Taxation


Pensions and Annuities Tax Research:

Tax relief for pensions: Inheriting tax-relieved pension savings

Introduction 1. The Government made clear in the December 2006 Pre-Budget Report that steps will be taken to prevent pension savings being used other than as intended. The clear purpose of tax privileged pension savings is to produce an income in retirement and is not a mechanism to accumulate tax relieved capital that can be passed down on death. Chapter 5 of the document “The Annuities Market” published on 6 December 2006 clearly sets out what the Government regards as an improper use of tax privileged pension savings. 2. PBR Note 13 published on 6 December 2006 announced that measures would be introduced to ensure that scheme pensions and annuities cannot be used as a means to pass on tax-relieved pension savings. HMRC have discussed these announcements with representatives of the pensions industry. This document is a continuation of the PBR consultation, and sets out more detail on the proposed measures on which the Government is now consulting. These further discussions will be on the details of the measure rather than the principles. 3. These measures are covered by the partial RIA ‘Tax Relief for Pensions - 2006 Pre-Budget Report Reforms’ published on 6 December 2006, and the full RIA ‘Budget 2007: Regulatory Impact Assessment - Tax relief for pensions’ published on 21 March 2007. Should this further consultation result in further legislation an appendix to that full RIA will be published. Problem 4. Alternatively Secured Pensions (alternatively secured pensions) have been introduced to meet the needs of those with principled religious objections to annuitisation. To ensure practice is brought into line with the policy intention that tax-relieved pension saving is used to secure an income in retirement, the Government is introducing changes to the alternatively secured pension rules. Scheme pensions and annuities are mainstream products, which operate on a risk pooling basis to provide a secure income in retirement for scheme members. The Government does not want to impose any burdens on the vast majority of schemes and their members where tax relief is being used as intended to provide an income in retirement for members and their dependants. However, it has become clear that some in the industry are looking to design products to enable inheritance of tax relieved capital and the Government plans to introduce measures to prevent such products from being used to pass down tax-relieved pension savings. The principles that the Government will apply in designing measures to prevent avoidance of the alternatively secured pension charges are set out below. The Government invites representations on the detail of how these measures can be operated in practice, set in the context of these principles. Objective 5. As set out by the Economic Secretary to the Treasury in his speech to the National Association of Pension Funds on 15 March 2007, pensions tax relief is provided by Government to support pension saving to produce an income in retirement. The Government won't allow the pension tax rules to be used by schemes to design arrangements that are intended to support asset accumulation and to allow the inheritance of tax-relieved pension savings. The Government has acted to prevent this for alternatively secured pensions by bringing the left-over alternatively secured pension funds within the IHT framework in Finance Act 2006 and through the pension tax charges to be introduced in Finance Bill 2007. If Government did not act schemes and individuals would be able to avoid the alternatively secured pension rules preventing this by using scheme pensions and annuities to pass down tax relieved pension saving on death. 6. The Government intends introducing measures that will impose pension tax and IHT charges on such arrangements to closely reflect those that will apply to alternatively secured pension funds that remain on the death of a member. In particular, the Government does not consider it an appropriate use of tax-relieved pension savings in circumstances where: a member dies with a scheme pension or annuity in payment arrangements have been put in place that seek to increase the rights of another person as a consequence of the death of a member (or a dependant), except in the form of authorised dependants’ benefits and the other person that benefits from the increase in rights was connected with the deceased. 7. The Government considers that it is appropriate for tax-relieved pension savings to be pooled in order to ensure that a secure stream of income (in the form of a scheme pension or annuity) may be paid to the member and their dependants. And it is not the intention that tax charges should be introduced where through the normal working of large scale pooling arrangements funds are used to secure the rights of unconnected members in the scheme. 8. It is intended that provisions will apply to all existing arrangements that have been put in place that will enable capital to be passed on death to connected persons. It is not intended that these changes would affect arrangements where the member or dependant died before the introduction of the measures. Areas for representation 9. The Government would welcome representations on the following questions: Q1 - Are there schemes with longstanding arrangements, which existed before 6 April 2006, that are paying scheme pensions and will be adversely affected by charges being introduced in circumstances set out at paragraph 6 above? Please provide details. Q2 - Measures will apply where rights of a person connected to the deceased are increased (except as authorised benefits). Are there any easements to this rule that would help with the administration of schemes where it would be onerous to find out information about connected persons from members or their survivors, but which don't provide a route to avoid the rule in circumstances where it is intended to apply? Q3 - These measures will be introduced at the earliest opportunity. Are there any cases where there would need to be an interval between the date the legislation was published to the date it becomes effective to allow individuals to reorganise their arrangements? If so, please give specific details. Q4 - Are there any circumstances in which schemes would currently increase the pension rights of connected persons in schemes where a member with a scheme pension died before age 75? If so, please give specific details. Q5 - Would charges that applied in circumstances outlined at paragraph 6 above affect the administration by insurance companies of annuities, where the funds backing those annuities are pooled across a large group of individuals? If so, are there any easements to the rules which would help the administration, but which don't provide a route to avoid the rule in circumstances where it is intended to apply? How to respond 10. All responses to this consultation should be sent by 13 June 2007, by email if possible, to: pensionsconsult@hmrc.gsi.gov.uk Or by post to: Pensions Consultation (Tax Relief for Pensions) Pensions Policy Team (Room G66) HM Revenue and Customs 100 Parliament Street London SW1 2BQ Confidentiality disclosure 11. Information provided in response to this consultation, including personal information, may be published or disclosed in accordance with the access to information regimes (these are primarily the Freedom of Information Act 2000 (FOIA), the Data Protection Act 1998 (DPA) and the Environmental Information Regulations 2004). 12. If you want the information that you provide to be treated as confidential, please be aware that, under the FOIA, there is a statutory Code of Practice with which public authorities must comply and which deals, amongst other things, with obligations of confidence. In view of this, it would be helpful if you could explain to us why you regard the information you have provided as confidential. If we receive a request for disclosure of the information we will take full account of your explanation, but we cannot give an assurance that confidentiality can be maintained in all circumstances. An automatic confidentiality disclaimer generated by your IT system won't, of itself, be regarded as binding on the Department. 13. The Department will process your personal data in accordance with the DPA and in the majority of circumstances, this will mean that your personal data won't be disclosed to third parties. 14. If you have any queries under the FOIA, please contact the above. About the consultation process 15. Unless otherwise stated this consultation has been conducted in accordance with the consultation criteria in the Cabinet Office Code of Practice. If you wish to access the full version of the Code, you can obtain it at: http://www.cabinetoffice.gov.uk/regulation/consultation/code/index.asp 16. If you feel that the consultation does not satisfy these criteria, or if you have any complaints about the process, please contact: ?©Crown Copyright Keywords: Pension, Annuities, Annuity, Pensions, Annuities Tax, Taxation 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