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:

05 November 2003: 

EU proposals to eliminate gender discrimination would raise the cost of insurance for many women, says ABI

EU Commissioners are set to meet today to discuss proposals from Social Affairs Commissioner Anna Diamantopoulou, to outlaw the use of gender in setting prices for consumers. These proposals, aimed at improving access to insurance for women, would actually have the perverse effect of raising the cost of motor and life insurance for women and reducing average household incomes from annuities, most of which are currently held by men. Mary Francis, Director General of the ABI, said: “The insurance industry is opposed to unfair discrimination of any kind and we will work within whatever rules are set by government and society. But in this case, it is only right that we point out the likely results. Commissioner Diamantopoulou has started with the best of intentions, but this piece of EU legislation will do no-one any good. “At present, we can set prices fairly on the basis of genuine risk, which benefits all our customers. These proposals would mean women would have to pay more than a fair price for motor and life insurance. Conversely, men would have to pay more for annuities. As many more men than women receive income from an annuity, more pensioner households would lose than gain. The Commission’s proposals would not help us address the real issue – how to increase women’s retirement savings overall. “At a time when the industry is rightly being encouraged to be more transparent and efficient, these proposals would have the opposite effect.“ Notes * Life insurance risk – companies use a number of factors to assess risk including: sex, age, smoker status and the term (length of time for which cover is required). Companies use a combination of published data and their own experience to set premiums. On average, women currently live longer than men by 3 years. If companies could not take account of this, premiums for term life insurance would have to rise for women, perhaps by around 10 – 15%. On average, this might mean around £35 per year more for women. * Annuities – Again, life insurance companies use a combination of published data from official sources and their own claims experience. When someone buys an annuity (a guaranteed income for life based on pension savings) the key factors taken into account are – sex, age, type of annuity, size of the lump sum, source of funds. Because women on average live longer than men (see tables below), the same size of pension pot produces slightly less each year but women should (based on life expectancy) ultimately receive the same total amount of income as men of the same age. For example, if a woman aged 65 has a life expectancy of 19 years and retires with a pension fund of £10,000, she might receive around £600 a year from an annuity. By the time she dies 19 years later she will have received (19 X £600) £11,400 in total from her annuity. If a man at age 65 life expectancy of 16 years buys an annuity with a pension fund of £10,000 he will receive more income per annum than the woman - £712.50 in this example – but it will only be paid out for 16 years so in total he will have received (16 X £712.50) £11,400, the same amount of total income as the woman. * Requiring companies to pay out the same for both men and women would not improve women’s pensions significantly. But saving more would. ABI research shows that 46% of working women are not saving enough for retirement. A woman aged 60 retiring with a pension fund of £10,000 (43% of annuities are purchased with £10,000 or less and women are more likely to be in this category than men) who purchases a single life, inflation linked annuity without a guarantee would get around £37 per month. A unisex rate might produce an extra £3 per month, i.e. a 7% increase. But saving an extra £10 per month from age 25 would currently buy an annuity of £992 per month – an increase of 145%. Examples of UK life expectancy at aged 65 Year Men Women 1928 11.5 13.3 1960 12.1 15.3 2002 16.0 19.0 2025 18.3 21.1 2050 19.0 21.7 Source: Government Actuary’s Department (GAD), 2002, as quoted in the Pensions Green Paper Average Life Expectancy of Women and Men in Selected Countries Country Women Men United Kingdom 80 75 Ireland 79 74 Germany 81 75 France 83 76 Italy 83 77 Sweden 82 77 Switzerland 83 77 5. Car insurance – motor premiums are priced based on many factors including where you live (location, postal area, region), who you are (occupation, gender, age, type of driving licence, no claims bonus, estimated annual mileage, parking, convictions), the type of car that you drive and the kind of cover requested. In the UK, men under the age of 30 have a motor claims frequency over 10% worse than women of the same age. The current saving on insurance for a woman aged 29 is around £130 per year, depending on other factors. 6. Overall effect - Estimates show that, even allowing for any small increase in annuity payments in retirement, women requiring car and life insurance when younger would end up significantly worse off overall as a result. A woman who buys life insurance (for instance in relation to a mortgage) will typically pay £35 a year more at unisex rates. Over a 25 year period this amounts to an extra £875. If the same woman also buys an annuity for £10,000 (a typical size of annuity), she will receive an additional £3 per month in income. With a life expectancy of 21 years, her additional income will be just over £750. If she is also an insured car driver, where the difference in premiums can be over £100 per year, then over her lifetime, unisex insurance rates will cost women substantially more than it will benefit them. There is a real problem over female poverty in retirement – but the answer is larger pension pots, not unisex annuity rates. Visit The Female Annuity. 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