--- title: "Annuity Rates and Quotes UK | Pensions Advice UK" url: https://pensionsadviceuk.com/annuity-quotes/ description: "See what guaranteed income your pension could buy with an annuity. Free, no-obligation conversation with an FCA-authorised adviser. Enquire in 60 seconds." last_updated: 2026-10-08 publisher: "Pensions Advice UK (a trading name of GAP-GNX Ltd)" language: en-GB --- Retirement options # This Month’s Annuity Rates Annuity Advice & Annuity Market Comparison - FCA-authorised advisers - About 2 minutes - Your details stay secure - Introductions to FCA-authorised advisers - Free to enquire - We call back within the hour, 9am to 5pm weekdays - Details passed on only with your consent Compare the whole of the annuity market. Simply complete the form below to get your FREE no-obligation quotation. - Quotes through an FCA-authorised annuity specialist - Find out whether your health or lifestyle could mean a higher income - Free, no-obligation conversation ### Why get an annuity quote today? - **Your Health**— health conditions and lifestyle can mean a higher, “enhanced” annuity, and many people don’t realise they qualify - **Your Postcode**— a real pricing factor - **Understand** if annuity is right for you versus drawdown - **The Number** of Pension Pots you have – undestand your options - **Choice –** is an annuity the right choice for you? - **Guaranteed annuity rates** – We check you don’t already have pots with guaranteed rates Qualified pension annuity advice, providing the latest all of market pension Annuity rates today. Get your annuity quote - Whole of Market - Fast Quote - Free Quote - 5 Star Reviews ## Reviews Reviews are extracts of 5 star reviews received by advisers in our network. ## Why An Annuity Is Worth Looking At Again **For over a decade annuity rates were poor and most people ignored them. That has changed**. Higher interest rates have pushed annuity rates up substantially from their lows, and for anyone who wants certainty rather than investment risk, they are back on the table. An annuity is a straightforward trade. You hand over some or all of your pension pot, and in return you receive a guaranteed income – usually for the rest of your life. It does not run out. It does not fall when markets fall. What it will not do is grow, and in most cases you cannot change your mind once it is set up. That is exactly why it is worth having the conversation with someone regulated before you commit. ### Things a specialist will check that most people miss - **Enhanced rates.** If you smoke, are overweight, or have a medical condition, you may qualify for a materially higher income. Many people never declare it and never get offered it. - **Shopping around.** You are not obliged to take the annuity your current pension provider offers. The open market can pay more. - **Shape.** Single life or joint life, level or increasing, guarantee periods, value protection. These change the income figure significantly. - **Whether an annuity is right at all.** Drawdown, a mix of both, or waiting may suit you better. A regulated adviser will tell you if it does. ## Common Questions ### What is an annuity? An annuity is a product you buy with your pension savings that pays you a guaranteed income, normally for the rest of your life. You can usually take up to 25 per cent of your pot as tax-free cash first, and use the rest to buy the annuity. ### How much income will I get? It depends on your pot size, your age, your health, and the shape of annuity you choose. Two people with identical pots can be quoted very different incomes. That is why comparing properly matters. ### Can I change my mind later? Generally no. Most annuities cannot be reversed once the cooling-off period has passed. This is the main reason to take regulated advice before you buy rather than after. ### Do I have to use my current pension provider? No. You have an open market option, which means you can buy your annuity from any provider. Staying put out of convenience can cost you income for the rest of your life. ### What does this cost me? Nothing to enquire, and nothing to be introduced. The adviser will explain their own charges clearly before you agree to anything. ### Who will contact me? One FCA-regulated advice firm. We do not sell your details to multiple companies and you will not be passed around. ## Find Out What Your Pension Could Pay Free, no obligation, and no pressure. Enter your details and a regulated specialist will call you back. Speak To An Adviser ### Important information Pensions Advice UK is a trading name of GAP-GNX Ltd. We are not authorised by the Financial Conduct Authority and we do not provide financial, investment, pension or tax advice. We act solely as an introducer. The information on this page is general information only. It is not a personal recommendation and should not be relied upon when making decisions about your pension. Whether any course of action is right for you depends on your individual circumstances. When you make an enquiry, we may introduce you to an FCA-authorised financial adviser. Any advice, recommendation or regulated service will be provided by that authorised firm, not by Pensions Advice UK. The authorised firm will explain its services and any fees to you directly before you decide to proceed. FCA-authorised firms may have their own criteria for accepting clients, over which we have no control. The value of pensions and investments can fall as well as rise, and you may get back less than you put in. Past performance is not a guide to future returns. Transferring or combining pensions is not right for everyone and may mean giving up valuable benefits or guarantees. Free and impartial guidance about your pension options is available from the government’s MoneyHelper service, and if you are aged 50 or over from Pension Wise, at moneyhelper.org.uk. ## Speak to an FCA-authorised adviser Tell us what you need help with and we’ll introduce you to a qualified specialist. Start your enquiry 020 3778 0939 We’re an introducer, not an adviser. ## Want to talk it through? Start online, or call us. We call back within the hour between 9am and 5pm on weekdays, or the next working day. Start your enquiry[020 3778 0939](tel:+442037780939) [Call us](tel:+442037780939) Enquire --- Pensions Advice UK (a trading name of GAP-GNX Ltd) connects UK residents with FCA-authorised pension advisers and pension tracing services. It is not FCA-authorised and does not give financial or tax advice. It acts solely as an introducer to FCA-authorised firms, who provide any advice and explain any fees before you proceed. This is the text version of https://pensionsadviceuk.com/annuity-quotes/. More pages: https://pensionsadviceuk.com/llms.txt