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Best annuity rates
Buying an annuity involves converting your retirement savings into a guaranteed income. Annuity rates determine how much income you'll get. Here we explain what influences annuity rates and how to get the most from an annuity. Rising interest rates over the past few years have helped to boost the amount you can get from an annuity. The table below gives an idea of how much a healthy year-old with a £, pot could get for three different types of annuity:.
Source: Money Helper annuity calculator , correct as of 22 October Figures are based on a person living in a CB23 postcode receiving payment annually in arrears and are to be used as a guide only. The broader economic picture will determine overall trends in annuity rates, but exactly how much income you get will depend on your personal circumstances. Annuity providers typically fund annuities using returns from government bonds known as gilts , which are among the safest types of investment.
The government pays the annuity provider a fixed amount of interest, which is tied to the Bank of England base rate. When the base rate is higher, the rates of interest or yield offered by gilts also go up. This in turn pushes up annuity rates, as we've seen happen over the past couple of years.
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The size of your pension pot will be the main determining factor of how much income you'll get from an annuity. The more pension savings you use to buy an annuity, the more income you'll get. Life expectancy is key to the annuity rate you are offered. The longer you're expected to live, the lower your rate, because the provider will be paying you for longer. For this reason, a year-old will generally receive a lower income than a year-old.
If you're in poor health, smoke or are overweight, you'll be expected to live for a shorter time, so you're likely to get a better annuity rate.
For this reason, it's important to declare any health conditions to your provider. Annuity providers use your postcode to help calculate life expectancy. If you live in an area with a lower-than-average life expectancy, you may be offered a slightly higher rate. Find the best option for you. With some financial products - travel insurance, for example - you'll usually pay more if you have any health issues.
But with annuities, you can benefit from better rates. That's because you'll have a shorter life expectancy than someone in good health, meaning the annuity provider assumes they won't have to be making payments for as long. If you started your pension in the s or s, ask your provider to confirm whether you have a guaranteed annuity rate GAR written into it. Don't automatically accept the annuity rate offered by your pension provider without checking what's on offer across the rest of the market.
Single-life level annuities - which pay out the same income every year and then will stop paying out when you die - tend to offer the highest rates, because annuity companies know they only have a set amount to pay out for the lifetime of one person. But this means your partner won't get anything if you die before them. Joint-life annuities offer lower incomes than single-life annuities, but will keep paying out to your partner if you die first.
It's important to fully disclose details about your health and lifestyle, as you may qualify for an enhanced annuity rate - giving you a higher income - if any of these factors negatively affect your life expectancy. Opting for an annuity that pays a fixed amount every year means that over time you'll find your income doesn't stretch as far because it isn't rising in line with inflation. Inflation-linked annuities ensure that your payments increase each year, but you'll need to weigh up whether you're willing to accept the lower starting income they offer.
It could take you a decade before this income matches what you would have received at the beginning from a level annuity, and many more years before you've received more income overall. We explain how annuity rates are calculated and how much income you can expect to get. PD Paul Davies. In this article What is an annuity rate? Best annuity rates compared How are annuity rates calculated? What are enhanced annuity rates?
What are guaranteed annuity rates? How to get the best annuity for you.