Annuity Rates Calculator — Compare the Whole UK Market Free
At retirement and tired of trying to compare annuity rates? Our specialists do the work for you. Spend two minutes on the calculator below and we will research the whole of the annuity market to find the highest guaranteed income available to you.
✔ Whole of market search — we compare every major UK annuity provider
✔ Up to 60% more income if you qualify for an Enhanced Annuity
✔ Free and no obligation — we are paid by the provider you choose, not by you
✔ FCA-regulated specialists — speak to a real person who knows annuities, not a script
✔ Once you buy an annuity you cannot change it — so it pays to compare first
Speak to a real adviser — no automated systems, no call centres
Why Annuity Rates Differ So Much
Your annuity rate determines how much guaranteed income you receive for every £1,000 of pension savings — and providers price very differently from one another. The provider currently holding your pension is rarely the one offering the best rate. Because an annuity pays for the rest of your life, even a small difference compounds every year.
You May Qualify for More Than the Standard Rate
If you have medical conditions, take regular medication, smoke, or your alcohol consumption is above average, you could qualify for an Enhanced Annuity paying materially more for life. Over 1,500 conditions qualify, and even your postcode can affect the rate. We check all of this as part of the free research.
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 specialists will call you to talk through your results. We will never sell your details to a third party, 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.
What Our Customers Say
Thousands of people have trusted Retirement Professionals to find them the best annuity rate. Read what our customers have to say.
Read Our Customer Testimonials →
Prefer to Talk to Us Directly?
Our guaranteed income specialists are ready to help you find the best annuity rate.
Speak directly with a specialist — no automated systems
We will not provide you with advice or recommendations — we research the whole of the annuity market and present you with the best available rates. It will be your decision how to proceed. We do not charge a fee for this service; we are remunerated by commission from the provider you choose. An annuity purchase cannot normally be reversed once made. Your details are transmitted securely and we will never sell your information to any third party. For free, impartial guidance, MoneyHelper provides information at moneyhelper.org.uk.
Retirement Professionals Ltd is an appointed representative of pi financial ltd, authorised and regulated by the Financial Conduct Authority. FCA number 622943.