Get a guaranteed income for life

Compare pension annuity rates

Why choose Annuity Ready?

We can help you compare pension lifetime annuity rates using our annuity calculator. Enter your information once. We can then search the whole market to see if we can find you a higher annuity income than offered by your current pension provider.

Don’t waste time with generic annuity calculators that don’t use real data or collect leads for a call centre. Our annuity calculator includes health and lifestyle questions. So, if you’re eligible, we can find you enhanced annuity quotes without the need for follow up phone calls, emails or forms.

On-screen comparison

Unlike some other sites, we’ll show you an on-screen comparison of annuity quotes from providers on the open market. We won’t pass your details onto third party advisers or offer you advice.

Almost 200 years’ experience

We are part of Legal & General Group, one of Europe’s largest insurance and asset management groups. Yet we operate independently to bring you unbiased, no obligation quotes.

Award-winning service

This award from The Financial Services Forum reflects our dedication to putting our customers first. We strive to make it as easy as possible to compare annuity rates online.

Get an annuity in three steps…

It’s important to shop around before you buy an annuity. At Annuity Ready, our annuity calculator allows you to compare rates from UK annuity providers. Just follow these three steps to see if you could secure a higher income for your retirement.

Research your options

Buying an annuity is an irreversible decision. You may want to take advantage of your right to guidance from Pension Wise. This is the Government’s free and impartial service, offering support to help you make sense of the options available.

You can book an appointment online or by calling 0800 011 3797.

Use our annuity calculator

Compare rates from UK annuity providers using our annuity calculator.

Remember, supplying your health and lifestyle information may help us find better annuity quotes. These could provide you with a higher income.

Apply with Annuity Ready

Once you've compared results you can adjust your quote to see how different options, like a tax-free lump sum, could affect your annuity income. You can even save your quotes to review later.

If you find an annuity rate you’re happy with, simply apply with Annuity Ready.

Save time by using our annuity calculator to compare rates from UK annuity providers.

What is a pension annuity?

A pension annuity is like an insurance policy that you can buy with some, or all of, your pension pot to secure a regular guaranteed income. There are different annuity types to suit different needs.

At Annuity Ready, we help you to compare pension lifetime annuity rates from all providers in the open market.

If you’re planning your retirement and want the certainty of a guaranteed income for life, then a pension lifetime annuity may be right for you.

You can use our annuity calculator if you’re aged between 55 and 84 years 9 months, live in the UK and have a pension fund over £2000.

Why buy an annuity?

Guaranteed income for life

Enjoy peace of mind through your retirement in knowing you can’t outlive your money.

Enhanced annuities

You could receive a higher income if you have certain medical conditions and/or are overweight, or smoke.

Up to 25% tax-free lump sum

You can take up to 25% of your pension fund tax-free before you buy your annuity.

Low-risk, fixed rate income

Your annuity income will not be affected by stock market volatility or economic uncertainty.

Leave something behind

You can choose annuity options to provide for your loved ones after you’ve gone.

100% FSCS protected

Your annuity income is protected by the Financial Services Compensation Scheme.

Protect against inflation

You can choose to have your annuity income increase annually to help keep up with inflation.

Available from age 55

You don’t need to retire to buy a lifetime annuity.

Annuities Explained

Want to learn more about your pension options? Read our useful guides for information on whether an annuity may be right for you.

Annuities vs drawdown

What you need to know if you want to access your savings to finance your retirement.

Research your options

Single vs joint annuities

Consider whether to transfer a guaranteed income to your named spouse.

Understand the difference

Frequently asked questions

Help make an informed decision about whether an annuity is right for you.

Common annuity questions