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: Partnership Annuities News


PARTNERSHIP’S NEW ANNUITY OFFERS SMOKERS TOP RATES IN RETIREMENT Finally, some good news for those who just can’t manage to quit smoking

Partnership, one of the UK’s leading providers of ill-health retirement and care financial solutions, today announced the launch of an annuity exclusively for smokers. The new product offers people aged 50 and over who have smoked at least 10 cigarettes a day for the past 10 years1 a guaranteed retirement income which is much higher than they would receive from a standard annuity.

It is also the most competitive annuity specifically designed for smokers available at the moment, offering the highest rate to almost every eligible individual (see below for a rates comparison table). Ian Owen, Chairman of Partnership, says: “It’s an inescapable fact that the vast majority of smokers won’t live as long as people who don’t smoke*. Although as a population we are experiencing increased longevity, the rate of improvement for smokers is a lot lower than for non-smokers.

So smokers who take a standard annuity are being hit with a double whammy – which doesn’t seem very fair to us. With our product smokers will get a higher income, guaranteed for life. More broadly, the product demonstrates the importance of exercising the Open Market Option and shopping round at retirement. We think that everyone who plans to retire this year should make a resolution to shop around at retirement and get the best annuity for them, based on their own circumstances.”

1 Or 85 grams of rolling tobacco a week over a 10-year period. Pipes or cigar smokers are not eligible. All applicants may be subjected to a medical test to verify their smoking history.

The product is only available through independent financial advisers, who can obtain real time quotes from The Exchange’s Exweb quotation comparison service.
David Child, Managing Director, The Exchange, says: “We are delighted that Partnership has chosen to launch this innovative annuity exclusively on Exweb, and feel confident it will be welcomed by advisers and clients alike.

This new addition demonstrates our ability to provide tailored services for all types of policies - giving users more market choice and providers more access to key distributors for specialist products.”
Rates comparison table:

Age

Male smoker annuity highest rate ***
Male smoker annuity lowest rate***
Male smoker annuity average rate*
Male – Partnership smoker annuity**

% difference between Partnership and the highest existing rate

55
£3,044
£2,895
£2,991
£3,414
+ 12.15%
60
£3,329
£3,222
£3,288
£3,812
+ 14.49%
65
£3,851
£3,609
£3,686
£4,357
+ 13.14%
70
£4,242
£3,802
£3,941
£5,109
+ 20.45%
75
£5,691
£4,914
£5,150
£6,073
+ 6.73%

Age

Female smoker annuity highest rate ***
Female smoker annuity lowest rate ***
Female smoker annuity average*
Female – Partnership smoker annuity**

% difference between Partnership and the highest existing rate

55
£2,930
£2,810
£2,892
£3,258
+ 11.18%
60
£3,222
£3,104
£3,149
£3,619
+ 12.32%
65
£3,659
£3,396
£3,483
£4,130
+ 12.86%
70
£4,595
£4,090
£4,242
£4,865
+ 5.88%
75
£4,606
£4,493
£4,555
£5,894
+ 27.96%

All quotations based on a £50,000 investment with: no escalation; no guarantee period; no spouses benefit. Figures above are per annum payable monthly in advance.
* Source data: Figures taken from The Exchange on 16/01/2008 based on an average of all annuity providers to smokers who offer real time quotes.
** Source data: Partnership’s rates at launch on 18/01/2008.
*** Source data: Figures taken from The Exchange on 16/01/2008 prior to Partnership’s launch

*According to the latest figures, the number of smokers in the UK is approximately 11.5 million; i.e. 24% of 48,160,000 (UK adult population in 2005; proportion aged 16 or over was approximately 80% of 60.2 million) = 11,448,000. See http://www.ic.nhs.uk/pubs/smoking07 and http://www.statistics.gov.uk/CCI/nugget.asp?ID=6.)

About Partnership

Partnership is one of the UK’s leading providers of specialist financial products for people suffering from a range of medical conditions – from hypertension to more serious conditions like cancer. Partnership offers long term care, Equity Release, retirement and protection solutions for people suffering medical impairment.
Partnership Life Assurance Company Ltd is authorised and regulated by the Financial Conduct Authority (www.fsa.gov.co.uk) Member number 436171. Registered Office: Sackville House, 143-149 Fenchurch Street, London, EC3M 6BN. Registered in England and Wales No. 05465261.

About The Exchange
The Exchange is the largest provider of online comparative quotations and electronic new business applications in the UK financial services portal market. Their two main products are Exweb, for advisers and brokers, and Officeweb. Exweb is the UK’s leading intermediary trading platform in the financial services market, used by over 25,500 registered users within authorised advisory firms. It provides online information and transaction services, with 110 million client illustrations processed over the service in 2006.

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