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: Legal and General Annuities News


Legal and General Annuities leads the way with the introduction of Annuity Plus, a sophisticatedly priced individual annuity

Almost a year after the pioneering launch of annuities that are rated by use of an individual’s postcode, Legal and General Annuities is running another market leading pilot study which should bring further pricing sophistication to the individual annuity market.

Annuity Plus has been designed to fill a gap in the current conventional annuity market for a fast track underwritten annuity. The product uses five common health risks to determine the annuity rate and an individual could benefit from an uplift of up to 12% compared to a standard annuity.

Conventional non profit pension annuities are normally determined by using just age and sex to assess life expectancy. Annuity Plus will now ask customers some additional, simple to answer health questions. These will include whether they smoke, if they have high blood pressure, a high cholesterol level, their height and weight and whether they have diet controlled diabetes. This non mandatory information will, in addition to postcode, be used to determine the additional annuity income that may be provided.

Legal and General Annuities believes these common health risks are responsible for a significant proportion of enhanced annuity business written but may be more simply dealt with than the current enhanced annuity application process. The new pilot utilises Legal &General’s extensive longevity experience, as well as external data from across the UK, to establish the extent to which potential customers would benefit from these simple additional risk ratings.

The pilot study is being run in conjunction with independent financial advisers, Hargreaves Lansdown and Positive Solutions. Their expertise and experience will help Legal and General Annuities test both the understanding and acceptance of this new approach by advisers and their customers.

Tim Gosden, head of annuity product development for Legal and General’s individual annuities business said; “Independent research we conducted with advisers earlier this year highlighted that many IFAs viewed the current enhanced annuity process as complex and time consuming. In addition, the medical information required can mean asking their clients difficult personal questions.* Annuity Plus has a simple quotation and application process, with questions customers should be readily able to answer. We expect a significant number of advisers to be interested in this new approach to underwriting annuities and as a result their customers will be able to benefit from an uplift in the annuity income available to them.”

Tim continued; “We have seen a marked interest from advisers in using postcode rating when arranging an annuity for their customers and we believe this is the logical next step. Using other indicators of life expectancy, rather than just sex and age, is a natural evolution for the pension annuity market. A customer’s medical history and lifestyle factors such as smoking, obesity, high blood pressure and high cholesterol are now readily accepted in the pricing of Enhanced Annuities. We believe that by using this information we are able to more accurately assess and so price the longevity risk for each customer.”

During the pilot advisers will be able to receive their personalised Annuity Plus quote immediately via the telephone or by fax. If a customer has a condition that is not covered by Annuity Plus then a full medical questionnaire will be recommended so they are able to benefit from a full enhanced annuity, which Legal and General Annuities also provides.

Nigel Callaghan, Pensions analyst, Hargreaves Lansdown said: “It’s crucial that retiring investors squeeze out as much value from their pension savings when they buy an annuity as possible. Product developments from insurers need to find imaginative ways to allow more investors to do this. The launch of Annuity Plus from Legal and General Annuities is a quick and easy way of doing just that.”

Keith Gilmour, Marketing Director, at Positive Solutions said: “Offering the potential for higher retirement income for the right clients, Positive Solutions is delighted to be piloting the Legal and General Annuities enhanced annuity proposition. The streamlined application process and Legal and General’s personal case management for all Positive Solutions annuity applications will be particularly welcomed by our adviser partners.”

Annuity Plus example figures:

The figures shown below are an indication of the possible amount of income payable. The actual amount will depend on the number of conditions that have been used and the severity of each condition.

For a male aged 65 with a pension fund of £50,000, gross level income, single life, 5 year guarantee:

Standard rate Annuity Plus rate Annuity Plus rate Diabetes Smoking plus high blood pressure

£3,733 £3,908 £4,139

uplift of up to 4.7% 10.9%

For a female aged 60 with a pension fund of £50,000, gross level income, single life, 5 year guarantee:

Standard rate Annuity Plus rate Annuity Plus rate

Diabetes Smoking plus high blood pressure

£3,333 £3,489 £3,547

uplift of up to 4.7% 6.4%

Source: * Independent Research was conducted by Twenty Partners in January 2008. • Photos of Nigel Callaghan and Keith Gilmore are available from either Hargreaves Lansdown or Positive Solutions. • Hargreaves Lansdown is a leading independent financial services organisation, offering investors a range of services, including pensions, stock broking, discounted fund investments and Independent Financial Advice. It is the U.K.’s largest specialist annuity broker. • Legal and General is one of the UK’s leading financial services companies. We are one of the UK’s top 50 companies in the FTSE 100 Index and over 5.75million people rely on us for life assurance, pensions, investments and general insurance plans. • Legal and General has over 20 year’s continuous experience in the annuity market. We are one the leading providers in the rapidly expanding individual annuity market and also administer over 1500 bulk purchase annuity schemes. We have expertise in investment management, all aspects of defined benefit provision, and an in depth understanding of mortality trends. • The information contained in this release is intended solely for journalists and should not be used by consumers to make financial decisions. • Legal and General Assurance Society Limited is authorised and regulated by the Financial Conduct Authority, (FSA). • Legal and General Assurance Society Limited. Registered in England No 166055. Registered address: One Coleman Street, London EC2R 5AA.

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