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6 February 2026 last updated
Annuity Rates Chart
Annuity income - last 18 years
Based on figures for January 2026
Annuity Rates Chart
 

Our benchmark annuity rates chart is £7,680 pa on 6 February 2026

The pension annuity rates chart is the latest with income of £7,680 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 +6 basis points to 4.94% during January 2026 with providers of standard annuities decreasing rates by an average -0.17% for this month and rates may rise by +0.77% in the short term if yields remain at current levels.

For smoker and enhanced annuity providers have decreased their rates by an average of -0.98% and rates may rise by +1.58% 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.
 
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15-Year Gilt Yields 15-Year Gilt Yields
The 15-year gilt yields have a significant effect on annuity rates which we update daily.

Annuity Rates
Single
  55 £6,506  
  60 £6,850  
  65 £7,658  
  70 £8,410  
Joint
  55 £6,169  
  60 £6,591  
  65 £7,195  
  70 £7,913  
£100,000 purchase, level and standard rates
Annuity Rates
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