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MARCH 2014 BUDGET – Makes Annuity Advice More Relevant

Have you considered the alternatives to Annuity purchase?

ABI introduces code of conduct changes for Annuities

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Have you considered the alternatives to Annuity purchase?

Do you have any health issues?

It doesn’t cost to shop around, contact us to increase your retirement income

Do you take prescribed medication ?

Smokers may qualify for enhanced annuity rates

Up to 20% variation in the rates offered by annuity providers

An estimated 60% of people might qualify for an enhanced annuity

I understand that there a number of options when approaching retirement?

although your qualified independent financial adviser will talk you
through the options which should meet your personal requirements, we have
listed a summary of some of the more common option which are subject to the
various limits and regulations laid down by HMRC and pension scheme rules:-
>
Elect to take a tax-free lump sum (if the rules of your existing
pension allow this) of up to 25% of the total and then use the remaining
monies to buy a reduced pension annuity for the rest of your life; and
receive your retirement income payments either every month, 3 months, 6
months or every year, in advance or in arrears. ( pension annuity)
>
Consider an annuity which starts with a smaller retirement income which
increases each year by a fixed percentage; ( escalating annuity)
>
Consider an annuity which starts with a smaller retirement income which
increases or decreases in line with inflation. ( escalating RPI annuity)
>
>
Consider your partner’s financial future after your death and taking a
smaller retirement income for yourself in exchange for an ongoing payment to
your partner until their death; ( joint life annuity)
>
Consider starting with a smaller retirement income but with
a guarantee that it will be paid for an agreed period ( five or ten years )
even if you die before then; ( guaranteed annuity)

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by: Annuity Advice on Sunday 24/02/13

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