How it works

    • About you

      Answer a few questions about your pension savings and the options you’d like a quote on

    • Your health

      We might be able to pay you a higher income if you have a health or lifestyle condition; simply give us a few details

    • Our guarantee

      Your quote, unless we tell you otherwise is guaranteed for 45 days. Follow the email link we send you to access your online account

    • Comparison

      If you apply for a Pension Annuity, we will search the full annuity market to obtain the best annuity quote for your needs and health status

    • Shop around

      Make sure you shop around and consider your options. Then if you decide to pick us, you can apply online.

    • The End

Before you apply

  • You have a defined contribution pension pot.
  • Your pot is at least £5,000 (for a Pension Annuity) or at least £10,000 (for a Cash-Out Retirement Plan). You can call us on 0800 316 3062 if you'd like to get a quote for a smaller amount. Calls are free of charge. We may record and monitor calls.
  • Details of your medical conditions, including dates of diagnosis, dates of treatment and prescribed medication.
  • You're aged between 54 years 11 months and 84 years 9 months.
  • You're happy to get your quote online or by telephone, not by post.
  • If your pension provider offers a Guaranteed Annuity Rate, a Guaranteed Minimum Pension, or any other valuable benefits you may lose these by moving your pension pot from them.
  • Always compare what we can offer with what income amounts are available from other providers.
  • Your choices may affect your income for the rest of your life and you can’t change your options later.
  • We strongly recommend seeking financial guidance or advice.