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Annuity Calculator

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We always try to recommend the right policy for you, at the best price possible.
In order to do that, we often need more information about you and your circumstances, and the easiest way to find out that information is to speak to you.
Please be assured, we won't pressurise you, or try to persuade you to buy something you don't want or that isn't right for you.
So please let us have one or more contact phone numbers, it will make the process of arranging your insurance much, much easier.
No spamming policy We will only use your e-mail address to write to you in relation to your life insurance and family protection needs.
Please be assured, we WON'T EVER sell on, rent or lease your e-mail address to other organisations.
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In accordance with the Data Protection Act 1998, the personal information you have provided will be treated in the strictest confidence.

Each year, people buying annuities throw away £1 billion in pension income by failing to shop around.

Whatever you do, shop around otherwise you could regret it for the rest of your life.


About this Pension Annuity Calculator:

How do annuity providers calculate their rates?

There are various factors that influence the annuity rates that you will be offered by providers. The following factors are of particular importance in provider’s annuity calculations:

The size of your pension fund(s)

Of course, the overall amount that you have in your pension(s) to purchase an annuity influences the annual income you receive. Higher pension pots mean higher annual incomes.

Your life expectancy

The longer you have to live, i.e. the more years of retirement you have, the more payments that your pension pot must be spread out over.

Your age at time of purchase

Naturally, the younger you are the more payments that your fund must be spread out across.

Government gilts yields and other fixed interest investment returns

The returns on government gilts and other fixed interest investments influence the performance of annuities. The higher that gilt returns are, the higher annuity rates will be. Currently, gilt returns are suppressed to low-levels.

Your home post-code

Annuity providers are now using post-codes as a means to calculate annuity rates for retirees. The premise is, by localizing life expectancy rates they are able to predict more accurately how long a person may live.

As such, an individual living in Glasgow’s impoverished East End, where life expectancies are below national average, will get a higher annuity rate than someone living in the Home Counties where people live longer (all other factors being equal).

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