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My Pension Expert’s live Annuity Rates Hub is a weekly comprehensive update of the week’s annuity rates based on live quotes. It’s the most up-to-date and accurate source of annuity rate information on the market.

Through our pioneering Annuity Rates Tabs you can see like never before the direct impact various health and lifestyle factors can have upon the amount of income you can receive from an annuity. Likewise our Annuity Rates Tables demonstrate the affects that applying various options to an annuity can have on your income.

We can guarantee that the rates displayed on this page are the best available as all our quotes are taken from the whole of the market including the following providers:

Just RetirementLVMGM Advantagel&gPrudential
Hodge LifetimeCanada LifePrimetime Retirementaegon
Reliance MutualStandard LifeScottish Widdowsaviva
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Historical Annuity Rates - £100k pot (65 year-old, single life policy)
(£)
 
About Annuity Rates

The biggest factor in dictating annuity rates are interest rates and their impact on Gilt yields. The backbone of a Life Company’s finance are ultra-low risk interest-bearing government securities. If yields look good compared to prevailing interest rates, prices go up so companies have to pay more for the Gilts, which lowers the yield. This is why there’s a direct correlation between how Gilts are performing and annuity rates.

 

Low inflation also squeezes annuity rates, as does increased life expectancy. Every ten years, the average life expectancy increases by three years, so actuaries and Life Companies lower rates to ensure they remain solvent.

 

A customer’s income from an annuity can also differ according to the following factors that vary depending on the individual:

 

  • The size of your pension pot. Some providers offer better rates for people who can invest large amounts.
  • Your age. If you retire earlier, your pension will need to pay out for longer which means your income will be less each year.
  • What type of annuity you buy. For example, whether it provides for you or for dependents as well; and whether it increases with inflation or stays level.
  • Your health. Lifestyle factors such as whether you smoke and medical conditions such as high blood pressure can affect the rate of annual income you will receive.
  • Where you live. Providers may use figures from mortality rates linked to your postcode to determine the level of annuity payments you will receive.
*Figures based on £100,000 fund, monthly in advance 55 60 65 70 75
Single life, level, no guarantee £4524 £5005 £5624 £6450 £7706
Single life, level, 5yr guarantee £4520 £4999 £5605 £6408 £7598
Single life, level, 10yr guarantee £4506 £4974 £5545 £6277 £7267
Single life, 3% escalation, no guarantee £2960 £3390 £3872 £4422 £5589
Joint life 50%, level, no guarantee £4279 £4675 £4990 £5332 £5755
Your personalised annuity rate
*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 £4928 £5434 £6240 £7254 £8886
Single life, level, 5yr guarantee £4918 £5414 £6194 £7168 £8670
Single life, level, 10yr guarantee £4886 £5372 £6055 £6915 £8021
Single life, 3% escalation, no guarantee £3280 £3778 £4625 £5593 £6999
Joint life 50%, level, no guarantee £4641 £4880 £5127 £5426 £5763
Your personalised annuity rate
Age: Figures based on £100,000 fund, monthly in advance
55 £5,001
60 £4,995
65 £4,979
70 £3,073
Age: Figures based on £100,000 fund, monthly in advance
55 £5,001
60 £4,995
65 £4,979
70 £3,073
Your personalised annuity rate
Age: Figures based on £100,000 fund, monthly in advance
55 £5,001
60 £4,995
65 £4,979
70 £3,073
Age: Figures based on £100,000 fund, monthly in advance
55 £5,001
60 £4,995
65 £4,979
70 £3,073
Your personalised annuity rate

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