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.
| Select to view male or female annuities: |  |
 |
| 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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(*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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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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Client case study:
43% annuity increase
Mr Eccles from Derby benefited from a 43% increase to his retirement income due to medically enhanced annuity rates.
Client case study:
Mr Eccles, Derby
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.