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


FSA Annuities Information: Open Market Option


An update on the review November 2008

Open Market Option: an update on the review

Update on the Review of the Open Market Option

1.1 The Open Market Option (OMO) allows those with accumulated pension savings to choose the provider from which they buy their annuity. By using the Open Market Option and shopping around people may be able to increase the annual income they get from the annuity bought with their pension savings. At Pre-Budget Report 2007 the Government published a review of the operation of the Open Market Option. That review made a number of recommendations aimed at improving the operation of the Open Market Option. Significant progress has been made against these recommendations:

.... The Pensions Advisory Service (TPAS) launched a structured choice web-tool in May 2008. The web-tool guides people through the choices involved in selecting an annuity and includes a link to the FSA’s annuity comparison tables, allowing people to compare annuity rates from different providers. Initial results have been promising showing that around 95% of those who have used the site, and provided feedback, found it useful and felt that it would help them to make a more informed choice about their annuity. The ABI will be encouraging its members to inform those nearing annuitisation about the website;

.... The DWP in conjunction with HM Treasury have formed a working group to look at the operation of the Open Market Option. The group comprises representatives from Government departments, regulatory bodies, consumer groups and the pensions industry. The group has made recommendations regarding best practice and has fed into the other areas of progress. This working group will continue to work towards improvements in the operation of the Open Market Option;

.... The FSA has reviewed reported delays in companies making Open Market Option transfers against its Treating Customers Fairly principle and has found that in 62% of the cases reviewed delays were experienced by consumers. The reasons for, and sources of, these delays varied and correspondingly a number of solutions will be required. In the first instance the FSA has committed to working with the industry, through the ABI, to reform the overall process – in particular, to achieve standardisation and rationalisation of the systems and documentation involved in fund transfer;

.... The FSA has also reviewed the information that pension companies send to their customers as they approach retirement. This research has shown that the material provided by almost 40% of the firms examined did not meet the FSA’s minimum rules and principles under the requirement of Treating Customers Fairly. All of the firms involved have received individual feedback from the FSA and now have until December 2008 to ensure that their documentation meets the Treating Customers Fairly rules and principles. After the deadline the FSA will be examining firms’ progress and will instigate any further actions required;

.... The Association Of British Insurers (ABI) has produced a new Good Practice Guide “Improving Customers’ Retirement Experiences” and is working with member companies to promote best practice. The Guide includes new template content for pension companies’ pre-retirement “wake-up” letters, which emphasises the potential benefit of shopping around. The guidance also requires firms to promote details of TPAS’s online annuity choice tool;

2 Open Markets Option: an update on the review

.... The ABI is also working with pensions companies to simplify and speed up Open Market Option transfers. A new service designed to improve Open Market Option transfer processes is being built to address the delays identified in the FSA review. FSA will be liaising with the ABI on this initiative; and

.... HM Revenue and Customs has clarified that tax legislation allows pension schemes to offer an annuity under an open market option without having to provide a pension themselves.

1.2 HM Treasury has been monitoring progress in the operation of the Open Market Option and will be using key success criteria – a “basket of indicators” to continue to measure progress. The two key success outcomes are that:

.... people coming up to retirement understand the importance of choosing the right annuity and shopping around for the best rate; and .... the process of shopping around and switching providers is as quick and simple as possible.

1.3 The FSA review of the operation of Open Market Option found that 40% of those taking an annuity from a personal pension do so on the open market. Of those who don't take the Open Market Option ABI research suggests that half of them are aware of the Open Market Option but choose not to exercise their right and the other half remain unaware of the option. This suggests that firms must renew their efforts to ensure that those who are approaching annuitisation are aware of the Open Market Option and sources of information to help them make an informed decision.

1.4 The Government believes that the changes instigated so far will help deliver real improvements in outcomes for people approaching what could be one of the most important financial decisions in their life – how to take their pension income. However there are still improvements to be made in the area of taking an income from pension savings.

1.5 To date much of the focus has been on ensuring that consumers are aware of their right to shop around to select the provider of their annuity. This is an important factor in selecting an annuity and can ultimately lead to the consumer receiving a significantly higher income than they may have otherwise had.

1.6 However, once purchased an annuity is payable for at least the remainder of the individual’s life. This could be a significant period of time and the annuity could represent the majority of that person’s income during that period as well as any ongoing income for surviving spouses and/or dependents after the member’s death. Few other products can have such a profound impact on an individual’s lifestyle and it is therefore highly desirable that chooses the right type of annuity for their needs as well as getting the best available rate.

1.7 Among the most important aspects of annuity choice are choosing whether to provide income for a spouse or partner in the event of the holder’s death or whether to have an annuity which provides for increased income payments over time.

1.8 Following on from the launch of the TPAS annuity website the Government intends to work with the Open Market Option Working Group to look in more detail at the nature of choices made in annuity selection and additional methods of ensuring that people are able to make an informed choice when selecting not only their annuity company but also the type of annuity they take. ?©Crown copyright 2008

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