fixed term annuity quote calculator
Get Your Free Fixed Term Annuity Quote in Minutes
A Fixed Term Annuity lets you lock in a guaranteed income for a set period — typically 1 to 25 years — while keeping your options open for the future. At the end of your chosen term you receive a Guaranteed Maturity Value, which you can use to buy a lifetime annuity, start another fixed term, move into drawdown, or take as a cash lump sum.
It is one of the most flexible retirement income options available — and we search across a panel of providers to find you the best deal.
✔ Compare quotes from multiple providers in one place
✔ Choose your own income level and term to suit your plans
✔ Keep your options open — you are not committing for life
✔ Family protection options available if you die during the term
✔ Free, no obligation — just clear, independent guidance
Speak to a real adviser — no automated systems, no call centres
How It Works
- Fill in your details below — it takes around two minutes
- We research a panel of providers to compare guaranteed maturity values
- A specialist calls you with your personalised quotes
- You decide how to proceed — with absolutely no obligation
Get Your Free Fixed Term Annuity Quote
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 share your details with any 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 shared with third parties.
Common Questions
What is a Guaranteed Maturity Value?
It is the amount you are guaranteed to receive at the end of your chosen term, known in advance when you take the plan out. You can use it to buy a lifetime annuity, start another fixed term, move into drawdown, or take it as cash — subject to tax.
Why choose a fixed term rather than a lifetime annuity?
A lifetime annuity is permanent. A fixed term gives you a guaranteed income now while leaving your options open later — useful if you expect your circumstances or health to change, or if you would rather not commit for life at today’s rates.
What term should I choose?
Terms typically run from one to twenty-five years. The right length depends on your other income, your plans, and how much flexibility you want later. If you are unsure, leave it blank on the form and we will talk it through with you.
Does it cost me anything?
No. We do not charge you a fee for this research. We are remunerated by commission from the provider you choose, which is already reflected in the terms you are quoted.
What happens if I die during the term?
Family protection options are available, so the remaining value can pass to your beneficiaries rather than being lost. The exact terms vary by provider, and our specialists will explain what is available to you.
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.
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Prefer to Talk to Us Directly?
Our annuity specialists are ready to talk through your fixed term options.
Speak directly with a specialist — no automated systems
We will not provide you with advice or recommendations — we research a panel of providers to compare the best guaranteed maturity value for you, and it is your decision how to proceed. We do not charge you a fee; we are remunerated by commission from the provider you choose. Your details are transmitted securely and we will never share your information with any third party. For free, impartial guidance on your retirement options, 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.