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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 below). Note annuity rates may have changed since these figures were last updated (we update them weekly).

The table shows the best standard annuity rates currently available online, paid monthly in advance, for an annuity purchase price of £100,000. The rates are based on an average postcode and basic personal details, so you could receive more or less income when you come to find your own personal annuity rate. Postcode is an important factor affecting annuity rates so it’s essential you use your home postcode when calculating your annuity.

55 60 65 70 75
Single life, level,
no guarantee
£3,844 £4,234 £4,886 £5,622 £6,842
Single life, level,
5 year guarantee
£3,842 £4,230 £4,876 £5,589 £6,753
Single life, RPI,
5 year guarantee
£1,800 £2,133 £2,786 £3,400 £4,489
Single life, 3% escalation,
5 year guarantee
£2,406 £2,737 £3,240 £3,923 £4,929
Joint life 50%, level,
no guarantee
£3,577 £3,946 £4,427 £5,078 £6,046
Joint life 50%, 3% escalation,
no guarantee
£2,191 £2,471 £2,884 £3,430 £4,206

Rates correct as at - 28 July 2016 Key to terminology


Single life - the income is payable to the annuitant only and will not continue to be paid to their spouse upon their death.

Joint life 50% - upon the annuitant's death 50% of the income will continue to be paid to their spouse. Different percentages are available up to 100%. Where a joint life annuity is shown, this is based on a named spouse and assumes the annuitant is 3 years older than the spouse.

Level - the income will remain level and not increase over time.

RPI - the income from the annuity changes in line with inflation as measured by the Retail Price Index.

3% escalation - the income from the annuity will increase by 3% every year.

Guarantee - the annuity will continue to pay an income for at least that period of time (i.e. 5 years), even if the annuitant should die before that time. Guarantee periods of up to 30 years are available.

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Important information

The information on our website is not personal advice but we can offer advice if specifically requested. What you do with your pension is an important decision, which could be irreversible. Make sure you understand your options and check they are suitable for your circumstances: take appropriate advice or guidance if you are unsure. The Government's free Pension Wise service can help. It provides impartial guidance face-to-face, online or by phone - more on Pension Wise.