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How we ensure you receive the most annuity (pension income)
Once you retire and take your annuity (pension income), there is no going back. At My Pension Expert we will look at your individual circumstances to ensure that you receive the highest possible income for your retired life.
See our illustrations below to see how we could improve your pension income. The figures shown are for illustrative purposes only and the actual annuity rates available will depend upon individual circumstances.
Shop around to find up to 22%more pension income.
If there’s one thing in your life that you shop around for, it should be your annuity (pension income). You have one chance to get this right, no going back!
In addition your lifestyle can also increase your pension income.
Common lifestyle factors such as smoking, drinking a little more than average or being classed as overweight can all contribute to a big increase in your annuity (pension income).
Past or present health problems could have a significant effect on how much you receive.
Heart problems, stroke or many other illnesses mean that you could be entitled to 114.5% more income from your pension than you previously thought.
Keeping your pension pot invested you could give your pension income (annuity) a significant boost.
Depending on various circumstances, your pension money invested may offer you the chance to take an increased income when you retire.
An increase of 157.5% would be obtained by taking maximum income from a Flexible Annuity with the most sever enhancement, however you do not have to have had health problems to benefit, just ensure you get the best annuity quote.
Glossary of terms - understand the jargon
Pension Advice - the most important thing people can do when it comes to retiring is seek Pension Advice. At My Pension Expert we specialise in retirement planning, therefore the Pension Advice we give is always geared towards maximising an individuals pension income. We are a company of Independent Financial Advisers so any Pension Advice given is regulated by the FSA.
Annuity Quote - an Annuity Quote is a quotation you receive from various Pension Annuity providers taking in to account various lifestyle and health issues you may have. We quote from the whole of the open market, therefore the Annuity Quotes you receive from us are from every major provider in the marketplace.
Annuity Tables - independent Annuity Tables make it easier for consumers to shop around and draw up a shortlist of providers to investigate further. Taking in to account a consumers' details such as the actual size of their pension pot, their exact age and the type of annuity they would like, Annuity Tables help explain how the various Annuity Quotes are derived.
Compare Annuities - Once you have entered all of your details in to the quick quote or IFA quote system above, the results returned will allow you to Compare Annuities offered by the various providers. After you have Compared Annuities we can give additional advice regarding each option to ensure you select the most appropriate product for your circumstances.
Annuity Rates Calculator - an Annuity Rates Calculator is similar to Annuity Tables, after inputting your details the Annuity Rates Calculator will calculate the best annuities for your circumstances and allow you to establish who will offer you the most pension income.
Best Annuity Quote - the Best Annuity Quote is normally the one that offers the most pension income for your circumstances. in order to get the Best Annuity Quote, use our IFA quote system above as this allows you to enter additional details to ensure you get the Best Annuity Quote.
Best Pension Provider - the Best Pension Provider is thought to be the one that offers the most pension income from the open market for an individual's circumstances. The Best Pension Provider isn't always the one that an individual has been saving with all of their life as other Pension Providers can sometimes offer better rates the the current Pension provider.
Annuity Rates 2012 - people are often looking for the best rates for the current year and Annuity Rates in 2012 are expected to remain subdued, female Annuity Rates are expected to increase in December 2012 in line with European Legislation.
Pension Annuity Providers - there are other terms used relating to pensions such as Pension Annuity and Pension Annuity Providers. Pension Annuity Providers are simply the companies that offer to pay an individual an income in return for the pension pot they have accumulated. There are many Pension Annuity Providers and it is important to get quotes from all to ensure the most possible pension income is achieved.
Buying an Annuity - when an individual comes to retire, the money they have saved in their pension pot goes towards Buying an Annuity. The Annuity pays the individual an income which is derived from the amount of pension pot they have. The key is to seek advice when Buying an Annuity to ensure you get the most possible pension income.
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Annuities Explained
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* Based on male and female aged 65 with pension funds of £120,000 and £50,000 respectively. Annuities are level, monthly in advanced, 5yrs guarantee with 50% spouse benefit. The enhancement is derived from both smoking with John suffering from lung cancer. Source The Exchange September 2010.
