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Annuity Helpdesk

UK Annuities: FSA REGULATED SITES • QUALIFIED, TRUSTWORTHY ANNUITY ADVICE

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Annuities Comparison

Just tap in a few details to get an annuities comparison or simply ask a question. You details will be passed on to the Annuity Clearing House, who will contact you to deal with your enquiry and may be able to find you a much better annuity deal...
Visit Annuities Comparison FSA Number 503004

Open Annuities

You could increase your annuity by thousands. Make sure you recognise the best annuity advice when you get it. The more information about annuities you have, the more able you will be to recognise the best annuity advice when you receive it.
Visit Open Annuities FSA Number 501272

Annuity Base

Free UK Annuity Database Enquiries. Using specialist annuity industry search software, an FSA registered independent financial adviser will query top annuity and annuity alternative providers' databases to help you compare and choose which one is the best for you.
Visit Annuity Base FSA Number 501272

Annuity Key

Annuity Key is an initiative of The PRG Partnership (London), part of one of the UK's largest financial advice groups. The PRG Partnership group operate nationwide, providing expert advice to 1000s of individuals and businesses every year.
Visit Annuity Key FSA Number 512494

Simple Annuities

Finding an annuity doesn't have to be difficult. Pension annuity retirement finance experts with vast experience of annuities are waiting to help you. Compare pension annuities and annuity alternatives now.
Visit Simple Annuities FSA Number 483817

Pension Annuities Plus

Your annuity income may increase if you have had certain health problems such as high blood pressure, high cholesterol or asthma? This is also true for smokers and for those who have worked in certain occupations. Get pension annuity comparisons now.
Visit Pension Annuities Plus FSA Number 483817

The Enhanced Annuity

Specialists in enhanced annuities. It is estimated that up to 40% of the UK population could boost their pension annuity income with an "enhanced annuity".
Visit The Enhanced Annuity FSA Number 483817

Smokers Annuities

Your lifespan as a smoker and your annuity options. We're sorry to be blunt, but you most likely already know that smokers, in general, have shorter lifespans than non-smokers. Of course annuity providers are well aware of this unfortunate fact of life. Increase your annuity now.
Visit Smokers Annuities FSA Number 483817

Annuity Answers

Why should the pension annuity buyer beware and why do so many retirees ignore a much bigger annuity income? Compare annuities now.
Visit Annuity Answers FSA Number 483817

Annuity Link

As the website name suggests, Annuity Link links you to a huge amount of information about annuities and annuity rates. It's all contained within this one website.
Visit Annuity Link FSA Number 137914

Annuity Pathway

Your simple pension annuity journey. How you might take the wrong annuity route and loose the annuity income that's rightfully yours.
Visit Annuity Pathway FSA Number 460094

Just One Bite Annuities

How a pension annuity will affect your life. You'll only get one bite of the annuity apple. Once you buy an annuity, there's no going back.
Visit Just One Bite Annuities FSA Number 460094

Pension Annuity Plan

Compare pension annuities and their alternatives. Get thorough advice in choosing the right annuity plan.
Visit Pension Annuity Plan FSA Number 460094

Pension Annuity Planner

We'll increase your standard pension annuity through enhanced annuities.
Visit Pension Annuity Planner FSA Number 460094

The Female Annuity

A one-to-one annuity comparison website aimed at women. Compare annuities for women and their alternatives.
Visit The Female Annuity FSA Number 460094

Annuities Extra

Pension annuities for those of us who are not in the best of health. If you've a health problem, no matter how small or insignificant you think it is, you'll stand an increased chance of a higher annuity income.
Visit Annuities Extra FSA Number 150427

Useful Sites For Financial Research

External Links

Financial Services Authority (FSA) Sites

Financial Services Authority

FSA Annuity Tables

FSA Register

FSA: Money Made Clear

Pension Advisory Service

Pension Advisory Service

Pension Advisory Service Online Planners

Online Annuity Planner

DirectGov

DirectGov

State Pension age calculator

Other

The Pensions Regulator

Financial Services Compensation Scheme

Financial Ombudsman

Department of Work and Pensions

The Pension Service

Citizens Advice

Annuity Calculator

Government Actuary’s Department

Actuarial Profession Website

Chartered Insurance Institute

HM Revenue and Customs

Getting a State Pension forecast

Pension Tracing Service

Association of British Insurers

Age Concern

Help the Aged

The Alzheimers Association

The Parkinson's Disease Society

British Heart Foundation

Stroke Association

Diabetes UK

What Does the FSA Say About Buying Annuities?

The Financial Services Authority (FSA) say "You may be able to get a better annuity rate by shopping around. You should check what your provider is offering you and then compare this with the annuities on offer through the open market."

However, many who retire still don't use their Open Market Option. They are not aware of the benefits of doing so, or they do not actually realise that they have an option.

According to the professional pensions publication, DC World, it's estimated that over £1 billion in pension income was lost by failure to get proper advice on the best selling annuity.

To make the most of the Open Market Option it is important that you speak to an Independent Financial Adviser who'll explain the different retirement options available.

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What does the FSA say about comparison websites?

Comparison websites have been heavily criticised both in the media and by the Financial Services Authority (FSA) for their lack of independence and sometimes incomplete information. Consumers often don't realise that they're not getting the complete picture.

The FSA states "Some may only include products that the website can make money from in some way, for example if you click through to the provider." They also say that you should never buy a product just on the basis of what you see on their tables. They recommend getting advice first.

(Please note that the information on this site does not represent financial advice. You must consult a qualified annuity broker for complete information. "The Argument Against Annuity Rate Tables and Calculators" is opinion only and you should not rely on this information to make (or refrain from making) any decisions.)

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Why Use An Annuity Broker?

1. A broker may be able to secure better annuity deals than you may be able to.

2. They're more likely to have access to a wider range of annuity and alternatives to annuities than you are.

3. Due to their ongoing relationships with annuity providers, they may be in a better position than you to surmount any problems that may arise with your application.

4. You will have a qualified, expert point of contact should anything go wrong or need attention.

5. They work to a set of stringent guidelines set out by the Financial Services Authority (FSA) who regulate annuity brokers' working methods and policies.

6. Annuity brokers have got an interest in recommending the right product for your circumstances as they will not wish to fall foul of strict FSA regulations.

7. If you choose not to get FSA registered broker advice, you may not be able to get compensation through the Financial Services Compensation Scheme if, at a later date, you have a complaint about the product that has been recommended.