Pension Annuity Rates
Compare the Best Pension Annuity Rates UK — Free Whole of Market Search
Finding the best pension annuity rate can make a significant difference to your income in retirement — yet most people never shop around. At Retirement Professionals, we search the whole of the annuity market on your behalf, completely free of charge, to find you the highest guaranteed income available.
✔ Whole of market search — we compare every major UK annuity provider
✔ Up to 60% more income if you qualify for an Enhanced Annuity
✔ Free service, no obligation — we are paid by the provider you choose
✔ FCA regulated specialists — expert guidance you can trust
✔ Once you buy an annuity you cannot change it — so it pays to compare first
How It Works
- Fill in your details in the form below — it takes around two minutes
- We search the whole of the annuity market including enhanced rates
- A guaranteed income specialist calls you with your personalised results
- You decide how to proceed — with absolutely no obligation
Prefer to speak to someone first? Call our team free on 0800 098 7050.
Get Your Free Pension 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.
Prefer to Talk to Us Directly?
Our guaranteed income specialists are ready to help you find the best pension annuity rate.
Speak directly with a specialist — no automated systems
What Are Pension Annuity Rates?
A pension annuity converts your pension pot into a guaranteed income — either for life or for a fixed term. The rate you receive determines how much income you get for every £1,000 of your pension savings. Rates vary significantly between providers, which is why comparing the whole market is so important. Choosing the wrong provider at retirement could mean thousands of pounds less income over your lifetime.
Could You Get Up to 60% More Income?
If you have any medical conditions, take regular medication, smoke, or your alcohol consumption is above average, you could qualify for an Enhanced Annuity — paying significantly more guaranteed income than a standard rate. There are over 1,500 qualifying conditions including high blood pressure, diabetes, heart conditions and respiratory disorders. Even your postcode can affect your rate. Our specialists check all of this as part of our free research service.
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 pension annuity rate. Read what our customers have to say.
Read Our Customer Testimonials →
Useful Information
If you’d like to understand more about your options before we call, the following pages may help:
- Annuity Options — what choices do you have?
- Enhanced Pension Annuities — could you get more?
- Current Annuity Rates — what affects your rate?
- Flexi-access Drawdown — the flexible alternative
- MoneyHelper — free, impartial government guidance on your pension options
We will not provide you with advice or recommendations — we will 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.
Retirement Professionals Ltd is an appointed representative of pi financial ltd, authorised and regulated by the Financial Conduct Authority. FCA number 622943.