Helping you and your clients with annuities.
A guaranteed income can provide security for your clients, something many people crave during retirement.
Our Pension Annuity provides a guaranteed income for life, with enhancements available for people whose lifestyle choices or medical history could shorten their life expectancy. We also offer two fixed term annuity plans: our Fixed Term Retirement Plan and Cash-Out Retirement Plan. Both plans can provide a guaranteed income over a chosen period of time more flexibility than you might think. As more people transition gradually towards retirement, our fixed term plans can help, perhaps providing temporary income until occupational pensions or state pensions become payable.
Even clients who choose drawdown, can benefit from including a layer of guaranteed income. Guaranteed income can form the foundations of a drawdown portfolio, covering essential and important expenditure. There are other benefits, too. There’s growing evidence that adding a lifetime annuity can deliver better outcomes for your clients.
Decumulate Differently
Our guide has been designed to support you, as you consider your approach to supporting clients during retirement. The guide is packed full of research, insights, case studies and practical action plans to help your clients achieve financial security.

Compare our guaranteed income products
Our Pension Annuity and fixed term annuities may appear similar, but it's important to understand the differences between each product. We've pulled out some of the key points below.
Pension Annuity | Fixed Term Retirement Plan | Cash-Out Retirement Plan | |
Age | 55+ | 55+ | 55+ |
Minimum investment | £5,000 | £10,000 | £10,000 |
Maximum investment | £1,000,000. If over that amount, it will be passed to our underwriting team | Unlimited - but additional checks to be carried out on large amounts | Unlimited - but additional checks to be carried out on large amounts |
Source of funds | Pension savings | Pension savings | Pension savings |
Term | Life | 3 to 40 years | 3 to 40 years |
Guaranteed Minimum Payment Period | 1 to 30 years | 0 to 40 years | 0 to 40 years |
Value Protection |
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Spouse/Dependent benefit |
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Maturity value |
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Option to choose an increasing income in line with Retail Prices Index (RPI)1 |
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Underwritten |
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Pension Annuity | Fixed Term Retirement Plan | Cash-Out Retirement Plan |
1RPI is the index of the average change in the prices of goods and services in the UK. Your client can choose to have the increase capped at 5%, referred to as the Limited Price Index (LPI). If they choose an income that increases over time, the income we’ll pay them to begin with will be lower than if they'd chosen a level income.

Broker Support Specialist Team
Speak to our team for help with your Pension Annuity or fixed term annuity quotes. Call our team on
0345 071 0040
Monday to Friday 9am – 5pm*
Or email them**
*Call charges will vary. We may record and monitor calls.
**If you're contacting us by email please remember not to send any personal, financial or banking information belonging to you or your client because email is not a secure method of communication.
Case studies
Case studies bring to life how different solutions can help your clients. Take a look at how you can use different products, alone or in combination with others, to meet each client’s needs.