Receiving estimates from providers...
The estimates are based upon the information you gave us and today’s rates.
Why compare annuity rates?
When it comes to buying an annuity, it’s not just about the rate, it’s about choosing the right provider and option for your retirement needs. Whether you’re looking at well-known providers like Aviva Annuities or want to compare specialist options like Age Partnership, we help you compare the whole market.
By shopping around, and not just accepting the first offer, you could increase your income by up to 30% more over your retirement.
Here's why it's important to compare providers and get advice:
- Maximise Your Income
Even a small difference in rates can mean thousands more over your retirement. - Access the Whole Market
Don’t limit yourself to your pension provider’s offer. We search top UK providers for you. - Tailored to You
Rates vary based on your age, health, and pension pot size — we find the best deal for your situation. - Free, No-Obligation Quotes
Get personalised annuity comparisons without commitment.
Example providers you can compare
-
Aviva Annuities — One of the UK’s largest insurers, offering a range of standard and enhanced annuities.
-
Age Partnership — A specialist broker providing access to multiple annuity providers with tailored quotes.
-
MoneyHelper & Pension Wise — Government-backed services that help explain your pension options but do not offer personalised annuity quotes.
It's important to remember services like MoneyHelper and Pension Wise provide excellent free guidance, but you’ll still need to shop around for actual rates, that’s where we can help.
Considering a pension annuity?
Annuity rates are now at some of the highest levels we've seen in over 15 years**. That’s because interest rates have gone up and that means better income for you when you lock in a rate.
An annuity turns your pension savings into a guaranteed income either until you die or a set number of years. It’s a popular option for people who want peace of mind and a steady income in retirement. It’s especially worth considering if you want to remove the risks of investing and you’d prefer a fixed income you can rely on.
An annuity is also a great option if you have health conditions as you might qualify for more income with an enhanced annuity.
It’s a great time to explore your options. But annuities are a long-term decision and once you’ve bought one, it can’t usually be changed. That’s why it’s so important to get the right advice now and make sure you're getting the best deal for your retirement with expert FCA-regulated advice.
"Such a helpful and friendly service. The advice I was given was simple and clear. I felt reassured and confident that I was making good decision about my pension and it was arranged on my behalf without any fuss. I’d recommend this team to anyone."
Stuart Butter
"Compare Pension Annuity paired us with a compatible pension company who helped with financial advice and checked the market for the best possible deal for our requirements. We are in the process of finalising the pension plan."
Lawrence Benson
Do I qualify for an enhanced annuity?
Most of the time, having a health condition means paying more whether it’s for travel insurance or other financial products. But with annuities, the opposite can be true.
If you have certain health issues or lifestyle factors (like smoking or high blood pressure), you may qualify for an enhanced annuity, which could mean more income for you - sometimes up to 30% more.
That’s because providers take life expectancy into account. If they expect to pay out for fewer years, they can afford to offer a higher income.
For example, in June 2025, we ran quotes for a healthy 65-year-old with a £100,000 pension pot. Someone with certain health conditions such as being overweight, smoking, and taking medication for blood pressure and cholesterol was offered between 6% and 15% more income from providers like Aviva and Legal & General, simply because they qualified for an enhanced annuity.
If you have any health conditions or lifestyle factors, it’s well worth checking many people are eligible without realising it.
