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Best buy annuity rates
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The Hargreaves Lansdown best buy annuity rate tables show you the best annuity rates currently available from our panel (shown above). Note annuity rates may have changed since these figures were last updated (we update them weekly).
The annuity tables are based on an annuity purchase price of £100,000 with payments made monthly in advance. The best buy annuity rates are based on an average rated postcode only. Postcode is an important factor affecting annuity rates so it's essential you use your personal postcode to calculate your annuity.
| Age | |||||
|---|---|---|---|---|---|
| 55 | 60 | 65 | 70 | 75 | |
| Single life, level, no guarantee |
£4,655 | £5,091 | £5,783 | £6,654 | £7,915 |
| Single life, level, 5yr guarantee |
£4,648 | £5,083 | £5,766 | £6,622 | £7,843 |
| Single life, RPI, 5yr guarantee |
£2,300 | £2,743 | £3,288 | £4,154 | £5,391 |
| Single life, 3% escalation, 5yr guarantee |
£2,874 | £3,330 | £4,000 | £4,879 | £6,126 |
| Joint life 50%, level, no guarantee |
£4,367 | £4,750 | £5,257 | £5,983 | £7,013 |
| Joint life 50%, 3% escalation, no guarantee | £2,594 | £2,982 | £3,511 | £4,254 | £5,299 |
| Age | |||||
|---|---|---|---|---|---|
| 55 | 60 | 65 | 70 | 75 | |
| Single life, level, no guarantee |
£1,000 | £1,000 | £1,000 | £1,000 | £1,000 |
| Single life, level, 5yr guarantee |
£1,000 | £1,000 | £1,000 | £1,000 | £1,000 |
| Single life, 3% escalation, 5yr guarantee |
£1,000 | £1,000 | £1,000 | £1,000 | £1,000 |
| Joint life 50%, level, no guarantee |
£1,000 | £1,000 | £1,000 | £1,000 | £1,000 |
| Joint life 50%, 3% escalation, no guarantee |
£1,000 | £1,000 | £1,000 | £1,000 | £1,000 |
Rates correct as at - 16 May 2013 Key to terminology
Terminology
Single life This means the income is payable to you only and will not continue to be paid to your spouse upon your death.
Joint life 50% This means that upon your death 50% of the income will continue to be paid to your spouse. Different percentages are available up to 100%. Where a joint life annuity is shown, this is based on a named spouse where the male is 3 years older than the female.
Level This means the income will remain level and not increase over time.
RPI This means the income from your annuity changes in line with inflation as measured by the Retail Price Index.
3% escalation This means the income from your annuity will increase by 3% every year.
Guarantee This means the annuity will continue to pay an income for at least that period of time (i.e. 5 years), even if you should die before that time. Guarantee periods of up to 10 years are available. Guarantees on protected rights are limited to 5 years.
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*Source: We looked at clients who completed an enhanced annuity in the first two weeks of June 2012. We compared the enhanced rate they accepted with the lowest standard rate on our panel. The actual enhancement will depend on the income offered by the existing pension provider and an individual's health and lifestyle.
Important information
Annuity rates can change regularly and may go up or down in the future. Quotes are guaranteed for a limited time only. Once set up, an annuity cannot normally be changed or cancelled, so it is important to consider all your options carefully.
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Hargreaves Lansdown were brilliant in setting up my annuity. They did all the leg work for me by shopping around and finding me the highest income available from my pension.
My pension was transferred and everything was finalised within 3 weeks of first enquiring. I particularly liked that whenever I rang I spoke to someone straight away who was able to help. I'd have no hesitation in recommending HL in the future.