Hargreaves Lansdown

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
£4,416 £4,853 £5,477 £6,324 £7,604
Single life, level,
5 year guarantee
£4,411 £4,840 £5,456 £6,274 £7,496
Single life, RPI,
5 year guarantee
£2,189 £2,663 £3,258 £4,102 £5,554
Single life, 3% escalation,
5 year guarantee
£2,799 £3,164 £3,710 £4,511 £5,798
Joint life 50%, level,
no guarantee
£4,149 £4,531 £5,025 £5,703 £6,663
Joint life 50%, 3% escalation,
no guarantee
£2,599 £2,964 £3,302 £3,937 £4,898

Rates correct as at - 26 February 2015 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

This annuity service is not personal advice. Annuity rates can change regularly and may go up or down in the future. Rates will depend on your personal circumstances, including how much you have saved in your pension. 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. Tax treatment of annuities and tax-free cash will depend on your individual circumstances and may change in future.

You can instantly compare rates online from:

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