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  Best Annuity Rates   Purchased Life Rates:
This page shows UK purchased life annuity rates, single and joint life for males and females or for more annuity options try 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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   Purchased life annuity rates - SINGLE life
 

The following tables show the best income that can be use to buy a purchased life annuity from a lump sum of £100,000. The annuity is paid gross in arrears and does not include a guaranteed period for the income shown. It assumes the annuitant purchases the annuity for the ages from 65 to 85. A comparison has been made for a single life on a level annuity basis and 3% escalation.

Level Annuity, Single Life
Male single life Female single life
  male 65
£6,456
 
  male 70
£7,306
 
  male 75
£9,700
 
  male 80
£10,596
 
  male 85
£13,696
 
  female 65
£6,206
 
  female 70
£7,126
 
  female 75
£8,286
 
  female 80
£10,426
 
  female 85
£13,806
 
3% Escalation, Single Life
Male single life Female single life
  male 65
£4,426
 
  male 70
£5,306
 
  male 75
£6,536
 
  male 80
£8,656
 
  male 85
£11,656
 
  female 65
£4,276
 
  female 70
£5,196
 
  female 75
£6,476
 
  female 80
£8,626
 
  female 85
£10,946
 
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


The above table can be compared to the retirement income from pension annuities or see annuity rates. This is only important where the annuitant wants to maximise the income from a pension fund and must decide whether to commute the tax free lump sum and to invest in purchased life annuities, or use the money and take more pension income. A comparison of annuity taxation shows the best option for a basic rate taxpayer.
 
   Purchased life annuity rates - JOINT life
 

It assumes £100,000 invested for a a level and 3% escalation basis for an individual aged from 60 to 75. The annuity is paid gross in arrears, does not include a guaranteed period for the income shown, based on a joint life annuity with 50% dependents income. No enhanced annuity rates are included, where the annuitant suffers from ill health, is a smoker or is overweight.

Level Annuity, Joint Life
Male + Female spouse joint rates
  male 60 and female 60 £5,836  
  male 65 and female 65
£6,366
 
  male 70 and female 70
£7,206
 
  male 75 and female 75
£8,456
 
3% Escalation, Joint Life
Male + Female spouse joint rates
  male 60 and female 60 £3,816  
  male 65 and female 65
£4,386
 
  male 70 and female 70
£5,256
 
  male 75 and female 75
£6,586
 
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


The above table can be compared to the retirement income from pension annuities or see annuity rates. This is only important where the annuitant wants to maximise the income from a pension fund and must decide whether to commute the tax free lump sum and to invest in purchased life annuities, or use the money and take more pension income. A comparison of annuity taxation shows the best option for a basic rate taxpayer.

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