Standard annuity
The annuity service provided by our partner firms is designed to find you the highest Open Market Option for your specific circumstances. The service applies to pension annuities for people retiring between the ages of 50 and 75.

All the rates quoted include the fee for processing your annuity and ensuring the pension fund is transferred to the receiving scheme and any tax free cash is paid as quickly as possible, either by the ceding or receiving scheme.

Smoker enhanced annuity
Many people can also qualify for enhanced rates because they are a smoker. Smoker enhanced rates are offered by specialist annuity providers and the rates apply particularly to pension annuities. In some cases standard rates can actually be higher than smoker rates and the service offered ensures that rates are secured from all providers to ensure you receive the highest rates.

All the rates quoted include the fee for processing your annuity and ensuring the pension fund is transferred to the receiving scheme and any tax free cash is paid as quickly as possible, either by the ceding or receiving scheme.

Diabetes enhanced annuity
Many people can also qualify for enhanced rates because they suffer from diabetes. Diabetes enhanced rates are offered by specialist annuity providers and the rates apply particularly to pension annuities. The type of diabetes, diet, tablet or insulin based can greatly increase the annuity rate and the service offered by our partner firms ensures that appropriate rates for you are applied.

All the rates quoted include the fee for processing your annuity and ensuring the pension fund is transferred to the receiving scheme and any tax free cash is paid as quickly as possible, either by the ceding or receiving scheme.

Impaired health annuity
If you suffer from a serious illness it is very likely our partner firms can find an impaired rate that is significantly higher than the one offered by your existing provider. These impaired rates are offered by specialist annuity providers and the rates can also apply to purchased life annuities.

All the rates quoted include the fee for processing your annuity including the extra work associated with the provision of medical information. Our partner firms also ensure the pension fund is transferred to the receiving scheme and any tax free cash is paid as quickly as possible.

With profits annuity
The with profit annuity service is designed to find you the highest Open Market Option for your specific circumstances. The service applies to pension annuities for people retiring between the ages of 50 and 75.

All the rates quoted include the fee for processing your annuity and ensuring the pension fund is transferred to the receiving scheme and any tax free cash is paid as quickly as possible, either by the ceding or receiving scheme.


Purchased life annuities
For people with lump sums the purchased life annuity service secures quotes from provides offering a lifetime income. Usually these people are aged from 55 years to their mid 90s.

All the annuity rates quoted include the fee for processing your annuity and ensuring the Money Laundering Regulations are met as well as the appropriate Inland Revenue forms to allow your purchased life annuity to qualify for the advantageous tax status that can be given to these annuities.


Long term care annuity
For people with an elderly relative that could be in poor health and cannot look after themselves, the only solution may be a residential care or nursing care home. If the assets are more than £20,000 in England and Wales either no funding or reduced funding would be provided by the Local Authority or through NHS funding with the balance being paid by the estate.

Usually these people are aged from 80 years to their mid 90s. An immediate needs annuity can provide the income required capping the total cost for long term care. All the annuity rates quoted include the fee for processing your annuity and ensuring the Money Laundering Regulations are met.