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Find out more about the latest annuity rates or drawdown, compare flexi-access drawdown with the free annuity quote to find the best option for you.
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Free annuity quote - There is no obligation and quotes are free
Extra initial income Whole of market - Receive quotes from all providers in the market
Don't need an annuity 40% more income for poor health - 1,500 medical conditions are covered
Protect your capital Flexi-access drawdown - Compare the annuity with accessing your fund
Specialist advice Specialist advice - We use our expertise to find the best outcome for you
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  Annuity Rates Up +91% and Opening Times  
  Annuity rates are at a fourteen year high up 27% to 91% by June 2024 (depending on age and annuity features) due to the combination of inflation, interest rates, European war and fallout from the Mini Budget.

Rates for a single, level annuity are paying 6% to 10% for ages 55 to 75 and guaranteed for life.
We recommend you secure a Free Quote while annuity rates are exceptionally high.

We have made arrangements for our office to operate from 9:00 am to 5:00 pm Mondays to Fridays for you to call us. If our advisers are speaking to other customers at this busy time, please leave your contact details when prompted as we would like to return your call as soon as possible.

Money Helper website

Government's Money Helper website:
If you have used the Money Helper website to check annuity rates, we can match and even improve the results on an exact like-for-like basis including our fees, which means more income for you. Let us know the basis you have used and we can produce the guaranteed quotes.

For a Free Quote and Fastest Service, why not tap or call and
Colin Thorburn will take your details now on:


020 8816 7501

Free Fixed Term Quote
Fixed Term Plan A fixed term plan also known as guaranteed drawdown lets you select a term from one year upwards. A guaranteed fund is offered at the end of the term.

Take as much income as you need or even the whole fund safely over a number of years.
Get your free fixed term quote today
Free Drawdown Quote
Flexible Drawdown Access Drawdown let you access your fund easily, using cash fund or smoothed growth fund with low volatility and a higher return than leaving it in cash.

Take an income, one off lump sum or move to another provider without penalty in the future.
Find out about drawdown today
What our clients say about our service
My wife and myself are most grateful for the help and assistance you have given us in the sourcing and final acquiring of this plan. If anyone asks how I went about this, I will not have the slightest hesitation of recommending that they get in touch with yourselves.

Mr Allan Wakefield
Yesterday the lump sum and first monthly payment reached my account and I am very pleased at the outcome of the whole process. I wish to thank you for your fast and efficient service in regard to the matter. and will happily recommend you to any friends who might require help with their affairs.

Mr Gary Cook
I consider myself fortunate in having found you when searching for retirement advice. The service exceeded all my expectations with everything handled quickly and efficiently and the outcome is much better than I expected, thanks to your efforts.

Mr William Jenkins

Boost your income by 40% with poor health

Much has been said and written about smoking for many years, and increasingly the advice to people has always been to stop smoking wherever possible for the sake of your long term health and of those around you. However, we are not here to advise you on personal lifestyle matters but on annuity quotes and when it comes to smokers, enhanced and impaired health, you will find a wealth of information detailed on our website which we believe you will find most informative giving details of annuities at different ages and smoker, enhanced and impaired health annuity rates compared to standard annuity rates, which we believe is a very helpful comparison to have.

Free Impaired annuity quote Lifestyle conditions like smoking, being overweight, high blood pressure and Cholesterol can add 18% with up to 40% more income with poor health.

Ask for an impaired quote Ask for an Impaired annuity quote

UK postcode enhancements

Annuity providers will offer enhancements above their highest standard rates for different UK postcodes. This could increase the annuity by a further 5% and are based on geographic life expectancy. Using their historic information of deaths providers create an accurate picture of the life expectancy for areas around the country and can offer better rates where people live in areas with lower life expectancy.

This could be due to particular features of a location such as lifestyle, occupation or affluence preventing access to private health care that could lower life expectancy in a particular postcode area. People that live overseas will be offered the highest standard terms.

Control your fund using flexi-access drawdown

You no longer have to give away your fund to buy an annuity. Rather than buy an annuity you can take control of your fund using flexi-access drawdown or a fixed term plan.

At retirement many people have a collection of pensions from occupational money purchase schemes, State pension, AVCs and personal pensions. For many people they simply want to access their their pensions while they are young and can enjoy the benefits of their savings.

Free Fixed Term Plan quote Flexi-access drawdown plans let you access your fund easily, or a fixed term plan can give you an income and guaranteed fund at the end of the term.
Ask for a fixed term quote Ask for a drawdown quote

Find out how much you can receive from the highest standard annuity, either complete our quote form or call 020 8816 7501 today.

About Sharing Pensions was created by its founder Colin Thorburn in 2002 to provide a free pensions and annuity resource to hundreds of thousands of people at retirement making their decision making easier. Colin Thorburn has nineteen years experience in pensions and annuities, is an individual authorised by the Financial Conduct Authority and business is submitted through Blackstone Moregate Ltd which is authorised and regulated by the FCA (no. 459051).

Annuity Quotes – Free Quotes at Sharing Pensions

If you would like to find a fantastic pension annuity that will suit your needs and provide you with more income than others will, it is wise to browse the open market. Here at Sharing Pensions you can compare competitive annuity rates and get annuity quotes absolutely free.

Annuity Quotes for Different Types of Annuity

There are pension annuities of various types which should be considered depending on factors relating to your lifestyle and health conditions. The kinds of annuity available include the following:

• Standard annuity
• Smoker’s annuity
• Impaired health annuity
• Diabetes annuity
• With profits annuity
• Fixed term annuity
• Flexi-access drawdown
• Purchased life
• Immediate needs

Benefits of Open Market Annuity Quotes

With many financial products it is wise to look at the whole market rather than cherry picking a few providers and hoping that they will be able to give you the best package for you. People have vastly different needs when it comes to things like an annuity so annuity quotes should be sought from as many companies as possible. Here at Sharing Pensions you can find annuity quotes that compare all annuity providers and this benefits you by enabling you to find the most suitable product for you, which will provide you with the best possible income. Of course, the fact that annuity quotes are completely free here is an added bonus and one that means you really have nothing to lose and everything to gain.

You can call our experts to ask questions
Ask for an impaired quote

Simply speak to our annuity expert Colin Thorburn if you need to discuss your options or would like us to take your details for the highest annuity quote, please contact us:
Call 020 8816 7501
Monday - Friday 9am-6pm

Calls from overseas:

+44 (0) 20 8816 7501
Important information
you need to know
Ask for an impaired quote

Suitable if your fund is £5,000 or more after tax free cash.

Should you buy a lifetime annuity when annuity rates are currently at an all time low? Remember, once bought the lifetime annuity cannot be changed.

It is important you consider your options as you don't have to give your fund away. In fact you can receive a guaranteed income and fund value, returning to the lifetime annuity at a later date.
Some of the top annuity providers we approach
Ask for an impaired quote
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