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Annuity Rates





Annuity Rates
   Best Annuity Rates
  Best Annuity Rates   Standard Joint Rates:
This page shows UK standard (conventional) annuity rates, joint life only for males with a female spouse, or for options try the other annuity rates.

These annuities are only a guide as annuity rates change frequently. Please request a free annuity quote for an accurate income for you based on your own personal retirement circumstances.
           Standard single rates            Smoker single rates
        Standard joint rates            Smoker joint rates
           Other annuity rates            Annuities explained

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   Standard annuity rates - JOINT life
 

These conventional annuity rates are for a pension of £100,000 after the tax free lump sum of £33,333 has been taken.

3 October 2017 last updated


Level annuity rates + 50% spouse
Male + Female spouse joint rates
  Male 55 and Female 55 £5,205  
  Male 60 and Female 60 £5,691  
  Male 65 and Female 65 £6,225  
  Male 70 and Female 70 £6,773  
  Male 74 and Female 74 £7,572  
Level annuity rates + 100% spouse
Male + Female spouse joint rates
  Male 55 and Female 55 £4,920  
  Male 60 and Female 60 £5,210  
  Male 65 and Female 65 £5,594  
  Male 70 and Female 70 £6,131  
  Male 74 and Female 74 £6,791  
3% escalation annuity rates + 50% spouse
Male + Female spouse joint rates
  Male 55 and Female 55 £3,309  
  Male 60 and Female 60 £3,718  
  Male 65 and Female 65 £4,241  
  Male 70 and Female 70 £4,966  
  Male 74 and Female 74 £5,778  
The above table is based on a limited number of annuity features and should be used as a guide only. It is important therefore that you shop around for annuities specific to your circumstances. Use the following for a free annuity quote.
Free Annuity Quote


Annuity rate notes:
The above table shows the best open market option pension annuity rates for standard joint annuitants based on:

Purchase price of £100,000 - this assumes an original pension fund of £133,333 and after the tax free lump sum of £33,333 has been taken;
   
Annuity rates are payable monthly in advance and show the gross income (before deduction of tax);
   
Level annuity rates pay the same income per month for the whole of the annuitants life;
   
Level annuity rates + 50% spouse (or + 100% spouse) pay the same income per month for the whole of the annuitants life and on death, pays 50% of the income (or 100%) to your spouse for the whole of their life;
   
3% escalation annuity rates + 50% spouse increase the monthly payments each year by 3% for the whole of the annuitants life and on death, pays 50% of the income to your spouse for the whole of their life;
   
Annuity rates are for joint males and females as a spouse from the ages of 55 to 74 years.
   
No medical enhancements are included in these rates.
   
The annuity rates table is only a guide as rates change frequently. Please request a free annuity quote for an accurate income for your retirement annuity.

At retirement you can use your pension fund to buy an annuity and have the option to use an open market option to search for the highest pension annuity. Once you have purchased an annuity it cannot be changed, so learn more about annuities, compare annuity rates and before making a decision at retirement, secure a personalised pension annuities quote offering guaranteed rates.
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