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  Best Annuity Rates   Purchased Life Rates:
This page shows UK purchased life annuity rates, single and joint life for males and females or for more annuity options try other annuity rates.

These annuities are only a guide as annuity rates change frequently. Please request a free annuity quote for an accurate income for you based on your own personal retirement circumstances.
           Standard single rates            Smoker single rates
           Standard joint rates            Smoker joint rates
        Other annuity rates            Annuities explained

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   Purchased life annuity rates - SINGLE life
 

The following tables show the best income that can be use to buy a purchased life annuity from a lump sum of £100,000. The annuity is paid gross in arrears and does not include a guaranteed period for the income shown. It assumes the annuitant purchases the annuity for the ages from 60 to 90. The figures as for a single life, level annuity basis. Please request a free quote for an accurate figure on a 3% escalation basis.

Last reviewed: August 2023

Level Annuity, Single Life
Unisex rates (men and women)
  Age 60 £5,819  
  Age 65 £6,484  
  Age 70 £7,440  
  Age 75 £8,912  
  Age 80 £11,068  
  Age 85 £14,465  
  Age 90 £18,198  
The above table is based on a limited number of annuity features and should be used as a guide only. It is important therefore that you shop around for annuities specific to your circumstances. Use the following for a free annuity quote.
Free Annuity Quote



The above table can be compared to th retirement income from pension annuities or see annuity rates. This is only important where the annuitant wants to maximise the income from a pension fund and must decide whether to commute the tax free lump sum and to invest in purchased life annuities, or use the money and take more pension income. A comparison of annuity taxation shows the best option for a basic rate taxpayer.
 
   Purchased life annuity rates - JOINT life
 

It assumes £100,000 invested for a a level and 3% escalation basis for an individual aged from 60 to 75. The annuity is paid gross in arrears, does not include a guaranteed period for the income shown, based on a joint life annuity with 100% dependents income, level basis. Please request a free quote for an accurate figure on a 3% escalation basis. No enhanced annuity rates are included, where the annuitant suffers from ill health, is a smker or is overweight.

Last reviewed: August 2023

Level Annuity, Joint Life
Male + Female 100% joint rates
  male 60 and female 60 £5,230  
  male 65 and female 65
£5,634
 
  male 70 and female 70
£6,417
 
  male 75 and female 75
£7,413
 
The above table is based on a limited number of annuity features and should be used as a guide only. It is important therefore that you shop around for annuities specific to your circumstances. Use the following for a free annuity quote.
Free Annuity Quote


The above table can be compared to the retirement income from pension annuities or see annuity rates. This is only important where the annuitant wants to maximise the income from a pension fund and must decide whether to commute the tax free lump sum and to invest in purchased life annuities, or use the money and take more pension income. A comparison of annuity taxation shows the best option for a basic rate taxpayer.

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