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    Pension Annuities Direct

Should you delay taking your pension

You can take your personal pension benifits from age 55 but should you take them now or later?

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What are Annuities

Warning: It is very important to achieve the best solution for you as buying a pension annuity is a one-off decision. Once an Annuity is selected you cannot change your mind later and move your funds elsewhere so making the right choice is vital.

Pension Annuities are:

The means by which you provide additional income for the rest of your life. Traditionally people took this income at state retirment age to supplement their state pension.

These days more people are deciding to take their pension early once they are eligible (age 55). This can be to increase income in the run up to full retirement or to enable people to take a less stressful job or reduce their hours in effect, semi retiring.

This can also include taking a Tax free Lump Sum entitlement which could be used to pay off the mortgage or any outstanding debt and provide capital for the future.

 

A Pension Annuity in it’s simplest form is a product that produces an income from your pension investment and pays income for the rest of your life.

They will assess:

  • Your age
  • Your life expectancy
  • The investment return they can achieve with you pension funds

This annuity calculation will produce an annuity rate at which you will be paid.

Since December 2012 there is no difference in payments for gender.

Pension Annuities Direct

You can have a higher income for the rest of your life

We always aim to gain full underwriting for our clients which can provide greater income… Not all companies are the same.

No Fees…
We are paid commission by your chosen provider…

Our Promise

We aim to not be beaten on the annuity quotes that we provide, if you find a better quote let us know.

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It can be a lot easier to talk
through what you would
like, so please feel free to
call one of our specialist
team to discuss your
pension annuity.

Calls are recorded for
training and quality purposes.

Case Studies

  • Mr T earned 21% MORE Pension Income

    Mr T was 55 years old and had a pension pot of £200,000. He wanted a single life annuity with a guarantee on the policy but no escalation. He has some lifestyle conditions and health issues, he is a heavy

    Read More…

  • Mr H earned 29% more pension income

    Mr H was 60 years old and had a pension pot of £30,000. He was a smoker and is taking medication for Cholesterol, although his readings were fine and he also suffered with vertigo. He wanted a single life annuity

    Read More…