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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 personal postcode when calculating your annuity.

55 60 65 70 75
Single life, level,
no guarantee
£4,452 £4,940 £5,444 £6,247 £7,471
Single life, level,
5 year guarantee
£4,448 £4,930 £5,425 £6,207 £7,367
Single life, RPI,
5 year guarantee
£2,228 £2,722 £3,324 £3,915 £4,917
Single life, 3% escalation,
5 year guarantee
£2,911 £3,333 £3,802 £4,421 £5,574
Joint life 50%, level,
no guarantee
£4,188 £4,651 £5,056 £5,699 £6,666
Joint life 50%, 3% escalation,
no guarantee
£2,674 £3,064 £3,453 £3,906 £4,808

Rates correct as at - 4 February 2016 Key to terminology


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

Joint life 50% - 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 and assumes you are 3 years older than your spouse.

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

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

3% escalation - the income from your 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 you should die before that time. Guarantee periods of up to 10 years are available.

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Important information

What you do with your pension is an important decision – in the case of an annuity it is irreversible. Make sure you understand your options and check they are suitable for your circumstances: take appropriate advice or guidance if you're unsure. Our service is not personal advice but we can offer advice if you specifically request this. The Government's free Pension Wise service can also help - more on Pension Wise.

You can instantly compare rates online from:

Hodge Lifetime


Canada Life

Just Retirement

Legal & General


MGM Advantage



Standard Life