28 Aug 2025

Getting an annuity quote online

We’re going to show you how we can help you get Pension Annuity quotes with us on our website. And you can get quotes for our two other retirement income products too: our Fixed Term Retirement Plan and our Cash-Out Retirement Plan.

All three products regularly pay out a guaranteed income, but they do so in different ways:

A Pension Annuity pays an income for the rest of your life
A Fixed Term Retirement Plan pays an income for a set period and/or a lump sum at the end
A Cash-Out Retirement Plan pays an income for a set period

There are other types of annuity, but as we can’t give you a quote for them we’re not going to cover them in this article.

And always remember that you can explore all your different choices at quote stage, but once you’ve bought your product you can’t make any changes to it. So it’s very important to be sure that you’re making the right choices for you.

Reviewed by Joe Mclean

Being prepared

Make sure you have everything you need to get an annuity quote.

Whether you're starting a new quote or returning to an existing one, our annuity checklist ensures you don't miss the critical information we need from you to complete your online quote.

What is an online annuity quote?

An online annuity quote tells you what income payments you can expect from your pension pot size. The amount you might get will be based on a range of different factors, including:

What annuity rates are like when you buy it, and how much you spend on it
- Your annuity rate defines how much income you get from your annuity – read our annuity rates article to find out more about how they work
What your age is and how healthy you are
What product you go for and which product options you choose

Why should I get an annuity quote?

An annuity quote is worth getting because it:

Shows you what sort of guaranteed income you could get
Will show you if you can get a higher pension annuity income with another provider
Is more accurate than an annuity calculator because it’s personalised to you

And with us, it’s very quick and easy. It only takes about 15 minutes and you can sort it out on your computer, tablet or even your phone.

Who can get an annuity quote?

To get an online annuity quote, you have to:

Be aged between 54 years 9 months and 84 years 9 months, and live in the UK
Have a defined contribution pension pot of at least £5,000 for a pension annuity, or £10,000 for a fixed term or cash out retirement plan, after you've taken your tax-free cash
- If you have a defined benefit pension you should talk to a financial adviser about your later life income option.
Not have a guaranteed annuity rate attached to your pension
- You might lose it if you buy an annuity through us

Alternatively, you can get a quote by calling us on 0800 048 2446 to get one over the phone or by post.

Lines are open Monday to Friday, 9am to 5pm. We may record and monitor calls. And of course you can use our annuity calculator to get an estimate of how much you could get.

How to get an annuity quote

Our quote journey is simple, speedy but also very thorough. We’ll take you through this process:

Registration

Check that we can actually give you a quote then ask you to register with us.

we’ll ask for your email address, then send you an email with your account activation details. You won’t need to active your account to get your quote or download it as a PDF
you will need to activate your account if you want to step away from answering our questions and come back later, check your quote later on or actually go ahead and buy a product based on it

Financial advice and guidance

Choosing the right one for you is a key part of the annuity process. To help with that, you can:

make an appointment with the Government’s free guidance service Pension Wise to talk through your retirement income options
speak with a financial adviser. If you don’t already have one you can find one at Unbiased. You’ll probably have to pay for their advice
get in touch with our Retirement Advice service for impartial, tailored financial advice

Quote questionnaire

We'll ask you about your existing pension details so you'll need to know:

how much money you want to use from your pension pot
whether:
- your existing pension plan has any guarantees or other valuable benefits
- there are any costs or penalties for taking money from your existing pot

You can pause and return to it but it’s easier when you already have everything to hand.

If you’re getting a pension annuity quote:

people dealing with certain health issues can get enhanced annuities with better rates – we’ll ask you for some medical information to see if that applies to you
these questions will include basic ones about your height, weight and alcohol consumption, and more detailed ones about any health issues you’re facing
our more detailed questions can include when you were diagnosed, or when you last spoke to your doctor about your treatment or medication
you don’t have to answer any of our medical questions if you don’t want to, but that means you won’t get an enhanced annuity quote even if you’re eligible for on

After you've got your annuity quote

You should shop around before you buy. Other providers may have more appropriate products or be able to offer a higher level of retirement income.

Once you’ve got your quote you can – if you want to – go straight to actually buying your annuity.

Alternatively, after receiving your quote you can sign back into your account and access it whenever you want to.

You can go back and change your answers if you need to, either before or after you get your quote. But don’t forget that you can’t make any changes once you’ve actually bought your annuity.

Your quote will be valid for 45 days. We must have received your completed application form and pension pots by this date. And once you’ve bought your annuity you can’t make any changes to it.

And of course you don’t have to go online. You can call us on 0800 048 2446. Lines are open Monday to Friday, 9am to 5pm. We may record and monitor calls.

Ready to get an online annuity quote?

Find out what retirement income you could get in just 15 minutes.

What happens to your pension annuity income when you die?

An annuity can do more than just support your ideal lifestyle. It can also take care of your loved ones after you die, by giving them a single lump sum or ongoing payments.

If you want someone to receive your pension annuity income when you die you can add their details during the application process.

Learn more about pension annuities and Inheritance Tax.

What should I do next?

try our pension annuity calculator to explore your options
read our guide to buying an annuity for next steps
for more information on Inheritance Tax, see our Inheritance Tax guide

FAQ

You can get a detailed, personalised annuity quote from us. You just need to answer some questions about your plans and circumstances.

If you don’t want to spend that much time or only need a rough idea of your annuity income, you can use our annuity calculator. It instantly estimates the annuity rates you could get.

You’ll get your quote as soon as you’ve answered our questions about your circumstances and plans. That should take about 15 minutes if you go through them all at once. And you can always save your progress and come back to them later on.

You’ll get your quote in your browser. You can also download it as a PDF or sign back into your account to see it later on.

We recommend shopping around to make sure you’re getting the best deal. As you do this, you should seek guidance or talk to a financial adviser to make sure you’re making the right choice for you. You need to be sure that exchanging some or all of your pension pot for a guaranteed income for life is the right approach for you.

Once you’ve chosen your annuity, you buy it. Once you’ve bought your product you can’t make any changes to it, so once again it’s very important to be sure you’re making the right choice. You’ll also need to think through any product options, like (for example) deciding if your income or a lump sum should go to a loved one after your death.

Our annuity expert

Joe Mclean

Senior Product Manager, Annuities

Joe manages our three guaranteed income retirement pension products – our Fixed Term and Cash-Out Retirement Plans, and our Pension Annuity. He makes sure they offer everything our customers need, are competitive in the marketplace and meet all relevant risk and regulatory requirements.

More about Joe

Compare annuities: Should I buy one?

There are several types of annuity including fixed, variable, deferred and immediate. Find out which annuity type might be right for you.

How much does an annuity cost and how do I buy one?

What annuity can you buy with a £30k, £100k and £500k pension pot? We look at these examples and how to purchase an annuity.

What are the latest annuity rates?

Annuity rates in the UK have risen in the last few years. Is now the best time to buy an annuity? We look at what this means for your retirement income.