Best Guaranteed Annuity Rates — Compared Across the Whole Market
Tired of trying to compare guaranteed annuity rates? Let us do it for you. Spend two minutes on the form below and our specialists will research the whole of the annuity market on your behalf to find the highest guaranteed income available to you.
✔ Whole of market search — we compare every major UK annuity provider
✔ You could get up to 60% more income with an Enhanced Annuity
✔ Free and no obligation — no pressure, just clear independent guidance
✔ Medical conditions could increase your income — over 1,500 qualifying conditions
✔ Once you buy an annuity you cannot change it — so it pays to shop around first
Speak to a real adviser — no automated systems, no call centres
Why Rates Vary So Much Between Providers
Annuity providers price very differently from one another, and the one holding your pension is rarely the one offering the best rate. The difference between the top and bottom of the market can be substantial — and because an annuity pays for the rest of your life, that gap compounds every year you live. This is why the FCA encourages everyone to shop around before buying.
You May Qualify for More Than the Standard Rate
If you have any medical conditions, take regular medication, smoke, or your alcohol consumption is above average, you could qualify for an Enhanced Annuity — a materially higher guaranteed income for life. Even your postcode can make a difference. Our research process is built around finding the best rate for your specific circumstances rather than a generic one.
How It Works
- Fill in your details below — it takes around two minutes
- We research the whole of the annuity market on your behalf
- A guaranteed income specialist calls you with your personalised rates
- You decide how to proceed — with absolutely no obligation
Get Your Free Annuity Rate Comparison
Takes about two minutes | Fields marked * are required
What happens next: one of our advisers will call you to talk through your results. We will never sell your details to any other organisation, and there is no obligation to proceed at any stage.
This page is secured with SSL encryption. Your details are transmitted securely and are never sold to third parties.
Common Questions
Does it cost me anything?
No. We do not charge you a fee for researching the annuity market. We are paid by commission from the provider you choose, which is already reflected in the rates you are quoted.
Am I committed to anything by filling this in?
Not at all. You receive your figures and it is entirely your decision whether to proceed. Many people use the exercise simply to check that their existing provider’s offer is competitive.
Why do you ask about my health?
Annuity providers pay a higher income to people with certain health or lifestyle factors. Sharing these details is optional, but without them we can only obtain standard rates — which could mean a materially lower income for the rest of your life.
How quickly will I hear back?
We aim to contact you within one working day. If you would rather not wait, call us free on 0800 098 7050.
Can I change my mind after buying an annuity?
Generally not. Beyond the initial cancellation period, an annuity purchase is permanent — which is precisely why comparing rates properly beforehand matters so much.
Should I consider anything other than an annuity?
Possibly. An annuity gives you a guaranteed income for life, while Flexi-access Drawdown offers flexibility instead, and some people combine the two. You can also get free, impartial guidance from Pension Wise.
What Our Customers Say
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Important Information
We will not provide you with advice or recommendations — we research the whole of the annuity market to present you with the best available guaranteed rates, and it is your decision how to proceed. We do not charge you a fee for this service; we are remunerated by commission from the provider you choose. An annuity purchase cannot normally be reversed once made. For free, impartial guidance on your retirement options, MoneyHelper provides information at moneyhelper.org.uk.
Your details are transmitted securely and we will never sell your information to any other organisation. Retirement Professionals Ltd is an appointed representative of pi financial ltd, authorised and regulated by the Financial Conduct Authority. FCA number 622943.