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Annuity RatesLive real time Annuity Rates based on yesterday's quotes

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My Pension Expert's live Annuity Rates Table is a weekly comprehensive update of all the weeks annuity comparisons based on live quotes that have been generated for customers, therefore giving the most up to date and accurate annuity rates in the market.

The table includes rates for the various options available to somebody looking to buy an annuity from the whole of the market including the following providers:

PartnershipJust RetirementLV l&g MGM AdvantagePrudential aegon

 
Standard Annuity Rates Age    
Figures based on £100,000 fund, monthly in advance 55 60 65 70 75  
Single life, level, no guarantee  

What does this mean?

You will be buying an annuity in just your own name, that will never increase or decrease and will cease paying once you die.

£4,929
£5,401
£5,988
£7,626
£8,055
list item Get your personlised annuity rate
Single life, level, 5yr guarantee  

What does this mean?

You will be buying an annuity in just your own name, which will never increase or decrease and in the event of death would be paid to your estate until the 5 year guarantee period, starting from the inception of the policy, runs out.

£4,924
£5,395
£5,979
£7,562
£7,902
list item Get your personlised annuity rate
Single life, level, 10yr guarantee  

What does this mean?

You will be buying an annuity in just your own name, which will never increase or decrease and in the event of death would be paid to your estate until the 10 year guarantee period, starting from the inception of the policy, runs out.

£4,908
£5,373
£5,937
£7,375
£7,663
list item Get your personlised annuity rate
Single life, 3% escalation, no guarantee  What does this mean?

You will be buying an annuity in just your own name, that will increase each year by 3% and will cease paying out after you die.

£3,015
£3,472
£4,083
£5,862
£6,116
list item Get your personlised annuity rate
Joint life 50%, level, no guarantee  

What does this mean?

You will be buying an annuity in your and your spouse's name, that will never increase or decrease and will cease paying out after you both die.

£4,734
£5,084
£5,581
£7,000
£7,325
list item Get your personlised annuity rate
 
Enhanced Annuity Rates Age    
Figures for a smoker, high blood pressure who drinks 52 units of alcohol per week with a £100,000 fund, monthly in advance 55 60 65 70 75  
Single life, level, no guarantee  

What does this mean?

You will be buying an annuity in just your own name, that will never increase or decrease and will cease paying once you die.

£5,972
£6,521
£7,462
£8,728
£10,548
list item Get your personlised annuity rate
Single life, level, 5yr guarantee  

What does this mean?

You will be buying an annuity in just your own name, which will never increase or decrease and in the event of death would be paid to your estate until the 5 year guarantee period, starting from the inception of the policy, runs out.

£5,958
£6,491
£7,390
£8,567
£10,165
list item Get your personlised annuity rate
Single life, level, 10yr guarantee  

What does this mean?

You will be buying an annuity in just your own name, which will never increase or decrease and in the event of death would be paid to your estate until the 10 year guarantee period, starting from the inception of the policy, runs out.

£5,915
£6,402
£7,146
£7,947
£9,003
list item Get your personlised annuity rate
Single life, 3% escalation, no guarantee  What does this mean?

You will be buying an annuity in just your own name, that will increase each year by 3% and will cease paying out after you die.

£4,073
£4,687
£5,842
£7,140
£8,996
list item Get your personlised annuity rate
Joint life 50%, level, no guarantee  

What does this mean?

You will be buying an annuity in your and your spouse's name, that will never increase or decrease and will cease paying out after you both die.

£5,539
£5,963
£6,545
£7,391
£8,649
list item Get your personlised annuity rate


My Pension Expert Annuity Rates Index

Alert Each week annuity rates are monitored to determine what is happening to the average UK annuity rate and the top quoting company. To demonstrate how annuity rates differ between a fit and healthy person to somebody who isn't fit and healthy, we will use two people, Barry and John, as an example.

Barry

list item64 years old

list itemHas a pension fund of £100,000

list itemWould like a level pension paid monthly in arrears

 

John

list item64 years old

list itemHas a pension fund of £100,000

list itemWould like a level pension paid monthly in arrears

list itemJohn smokes 10 cigarettes per day and takes medication for high blood pressure.

 

In this example, Barry requests annuity rates for somebody who is fit and healthy with no medical conditions and John requests rates for somebody with health or lifestyle issues.

See below how annuity rates differ due to the different health status of Barry and John.

 

Type of Annuity Top quotes from all providers % Change My Pension Expert Comment
Week commencing 08/07/13 Week commencing 08/07/13    
Invested Annuity   £7,407 £7,407    
Lifetime Annuity  

Why ask if I smoke?

Smoking significantly increases the amount annuity providers will pay if you have been a smoker for the past 10 years and smoke at least 10 cigarettes per day

£7,641 £7,641    
Fixed Term Annuity  

Why ask if I smoke?

Smoking significantly increases the amount annuity providers will pay if you have been a smoker for the past 10 years and smoke at least 10 cigarettes per day

£2,469 £2,932    

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