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5 February 2025 last updated
Latest Gilt Yields Chart
15-year gilt yields - last 17 years
Based on figures for February 2025
Annuity Rates Chart
 
15-year gilt yields chart is at 4.89% on 4 February 2025

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


Annuity rates are based primarily on the 15-year gilt yields so changes in gilt yields will affect annuities. The above chart shows yields at an all time low of 0.162% on 9 March 2020 after concerns over a no-deal Brexit, the US-China trade tensions and fear of recession due to the Coronavirus.

The 15-year gilt yields had reduced significantly since June 2008 due to the financial crisis and since recovered to a record high of 5.29% on 13 January 2025 as interest rates are expected to be higher for longer.
 
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As 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.

By 1 February 2025 yields were +8 basis points higher than the figures in July 2008 when they were 4.83%.

The 15-year gilt yields decreased by -3 basis points to 4.91% during January 2025 with providers of standard annuities increasing rates by an average +2.04% for this month and rates may fall by -2.34% in the short term if yields remain at current levels.

For smoker and enhanced annuity providers have increased their rates by an average of +0.56% and rates may fall by -0.86% in the short term if yields remain at current levels.


For the latest updates see Annuity Rates Review.
 
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  55 £6,343  
  60 £6,771  
  65 £7,540  
  70 £8,488  
Joint
  55 £6,063  
  60 £6,449  
  65 £7,033  
  70 £7,724  
£100,000 purchase, level and standard rates
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