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Retirement Options

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Lifetime Annuities

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There are many different types of life annuities which can be paid out in various methods so knowing which one would be the most effective for you and your future can be tricky. Contact Annuity UK today and one of our dedicated Independent Financial Advisers (IFA's) will be more than happy to assist you. 

To give you a basic understanding about life annuities, below is a brief list of some of the options available to those looking into making an investment.

  • Fixed Rate Annuity –

Just as it sounds, a fixed rate annuity has a fixed rate which is determined when you first make your purchase. This means that the income that is paid to you through your annuity will be the same each year. This is a brilliant option for those who want more security because there is little risk involved with this kind of investment.

  • Variable Annuity –

The value of a variable annuity will fluctuate depending on the performance of the investment that you choose (stocks, bonds or money market instruments). As the value of variable annuities can increase and decrease it makes them more risky than fixed annuities but if you invest wisely, you may end up receiving a rising income.

  • Inflation Proof Annuity –

An inflation proof annuity will always keep its real value regardless of the effects of inflation. This means that you are guaranteed an increasing income for the rest of your life which makes it a great option for those who want to ensure that they are safeguarding their future income against inflation.

  • Value Protected Annuity –

Value protected annuities were only introduced in 2006 and have been designed to offer value protection because it will return a lump sum at the end of terms set at the outset or in the event of death.

  • Enhanced Annuties –

If you are a smoker and/or have a medical condition(s) which could affect your life expectancy, you may qualify for an enhanced annuity which should provide a higher income than a standard one. 


The above are just a few of the options on offer. For a comprehensive list and more information about what is right for you, why not contact Annuity UK today and we will put you in touch with an independent IFA who will be more than happy to help