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Hargreaves Lansdown
 

Annuity best buy rates

The Hargreaves Lansdown annuity rate best buy tables show you the best annuity rates currently available from our panel of leading providers including, Aviva, Legal & General, Prudential and many more.

The annuity rates shown below are based on an annuity purchase price of £100,000 with payments made monthly in advance.

Postcodes are an important factor for annuity rates. To get you started, these tables don't take a recognised postcode into account - which means a quote based on an actual UK postcode is likely to be higher.

Annuity rates may have changed since these figures were last updated (we update them weekly). To get an up-to-date personal annuity quote you can use our FREE online annuity calculator.

Prudential Partnership Standard Life Aviva MGM Advantage
AEGON Just Retirement LV Legal & General Canada Life
Prudential Partnership Standard Life MGM Advantage AEGON
Just Retirement LV Legal & General Canada Life Prudential

Select to view male or female annuities: Annuities - male best buy table icon Annuities - female best buy table icon
  Age
  55 60 65 70 75
Single life, level,
no guarantee
£4,841
£5,300 £5,937
£6,835
£8,143
Single life, level,
5yr guarantee
£4,837 £5,294 £5,923
£6,804 £8,066
Single life, 3% escalation,
5yr guarantee
£2,997 £3,456 £4,103 £4,997 £6,273
Joint life 50%, level,
no guarantee
£4,550 £4,902 £5,394 £6,079 £7,061
Joint life 50%, 3% escalation,
no guarantee
£2,712 £3,073 £3,587 £4,288 £5,278
  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
  Age
  55 60 65 70 75
Single life, level,
no guarantee
£4,737
£5,157 £5,731
£6,533
£7,682
Single life, level,
5yr guarantee
£4,735 £5,153 £5,722 £6,512 £7,629
Single life, 3% escalation,
5yr guarantee
£2,903 £3,330 £3,917 £4,721 £5,852
Joint life 50%, level,
no guarantee
£4,584 £4,960 £5,475 £6,199 £7,242
Joint life 50%, 3% escalation,
no guarantee
£2,854 £3,203 £3,698 £4,441 £5,497
  Age
  55 60 65 70 75
Single life, level,
no guarantee
£2,000 £2,000 £2,000 £2,000 £2,000
Single life, level,
5yr guarantee
£2,000 £2,000 £2,000 £2,000 £2,000
Single life, 3% escalation,
5yr guarantee
£2,000 £2,000 £2,000 £2,000 £2,000
Joint life 50%, level,
no guarantee
£2,000 £2,000 £2,000 £2,000 £2,000
Joint life 50%, 3% escalation,
no guarantee
£2,000 £2,000 £2,000 £2,000 £2,000

Where a joint life annuity is shown, this is based on a named spouse where the male is 3 years older than the female.

Rates correct as at - 2 February 2012 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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Could you enhance your annuity?

Stethoscope

On average we quote 30.4% more income*

Over 1,500 health & lifestyle conditions could increase your annuity - even minor afflictions can count.

Find out how you could enhance your annuity

(*Source: Hargreaves Lansdown analysed 400 annuity quotes in March and April 2011 and compared the top enhanced provider with the lowest standard rate from our panel (observing Open Market Option providers only). The average enhancement was 30.4%.)

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Use our online annuity calculator to compare live rates from the UK's leading providers in an instant.

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.

Have a question about your annuity?

Annuity FAQs

If you would like more information please don't hesitate to contact one of our annuity specialists on:

0117 980 9940

  • Mon - Thu:
  •  8am - 7pm
  • Fri:
  •  8am - 6pm
  • Sat:
  •  9:30am - 12:30pm

Client case study:
43% annuity increase

Mr Eccles

Mr Eccles from Derby benefited from a 43% increase to his retirement income due to medically enhanced annuity rates.

Read his story

Client case study:
Mr Eccles, Derby

Mr Eccles

I had a final salary scheme until age 60 but this was then shut down and replaced by a money purchase scheme. Due to ill health I wasn’t able to accumulate as much as I would have liked in this second scheme. My pension provider didn’t offer enhanced annuities so I had to look elsewhere to get an increased rate.

At retirement I searched on the internet and Hargreaves Lansdown’s service came up top. Hargreaves Lansdown searched a range of enhanced providers and helped me find the one offering the highest income. I then went ahead with the most competitive provider who offered an increase of 43% on the income quoted by my own provider. Hargreaves Lansdown kept in contact and helped me throughout the process. Since the annuity has been set up I’ve had no problems at all, the payments simply go into my account each month.



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