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10 October 2025 last updated

Annuity Rates Chart

Annuity income - last 17 years

Based on figures for October 2025

Our benchmark annuity rates chart is £7,819 pa on 1 October 2025

The pension annuity rates chart is the latest with income of £7,819 pa based on our benchmark example for 65 year, £100,000 fund on a single life, level and no guaranteed period.

The pension income reached an all time low of £4,696 pa in August 2016.

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How annuity rates have changed

This is based on all single and joint annuitants aged 55 to 75 and with three types of features selected, level, level with a 10 year guaranteed period and 3% escalation.

Find out more details:
Monthly analysis of annuities and gilt yields

Annuity rate changes are closely linked to the 15-year gilt yields and ss a general rule a 30 basis point rise in yields would increase annuities by 3.0% although the providers may take time to introduce these changes depending on their own strategies.

The 15-year gilt yields increased by -5 basis points to 5.13% during September 2025 with providers of standard annuities increased rates by an average +0.32% for this month and rates may fall by -0.82% in the short term if yields remain at current levels.

For smoker and enhanced annuity providers have increased their rates by an average of +0.41% and rates may fall by -0.91% in the short term if yields remain at current levels.

Impaired annuity rates remain volatile with providers increasing annuities and changing the pricing and margins on different medical conditions on a regular basis.

Other charts

	Annuity Rates Changes Find out about the latest changes in annuity rates and if they are rising or falling.

15-Year Gilt Yields
The 15-year gilt yields have a significant effect on annuity rates which we update daily.

Annuity Rates

Single

	55	£6,654

	60	£7,014

	65	£7,652

	70	£8,619

Joint

	55	£6,281

	60	£6,666

	65	£7,219

	70	£7,918

£100,000 purchase, level and standard rates

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