At retirement, the majority of personal pension plan holders simply buy the annuity from the holding provider, without checking out other options which could dramatically increase their retirement income.

For most people, retirement can last for a long period of time, as life expectancy has increased dramatically over the last few decades. Combined with the facts that we are saving less for retirement and annuity rates have fallen significantly from even five years ago, we really need to seek out the best options for providing an income.

As independent advisers, we have access to the annuity rates from the whole of the market, and it’s amazing how these can differ from one provider to another.

What’s more, there are over 1500 health and lifestyle conditions which can enhance the annuity. It’s definitely worth checking this out. By gathering your health and lifestyle information we can then obtain quotations from all providers to seek the best rates.

If you are prepared to take some investment risk, there are other options which you should consider too, some carrying a higher risk than others. We are happy to explain this in more detail.

Please contact Chris Holland or John Haskey for more information, on 0114 2802830.