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How are your annuity rates calculated?

The amount of income you will receive in retirement depends on a number of factors

Many people ask us how their annuity rates are calculated. There is nothing complicated about it, and working out how much annuity income you could secure for your retirement is a transparent and relatively straightforward process.

The annuity rates you will be offered depend on a number of factors. These are:

  • The size of your pension fund – the money you have been saving with your pension company/ies
  • Current annuity pricing – the market conditions when you take out your annuity
  • Your age and postcode – how old you are and where in the UK you live
  • The annuity options you choose – the way you decide to arrange how, when and to whom your annuity income is paid
  • Your health and lifestyle – your current and previous state of health and lifestyle choices

Maximising the value of your annuity

It is important to discuss your annuity choices with experienced Annuity Specialists such as Retirement Line. In particular, this means sharing with us all your health and lifestyle conditions. These could significantly increase the annuity income you will receive in your retirement. Read more about enhanced annuities here.

Retirement Line does much more than generate annuity quotes from the leading providers. We offer all the necessary information to enable you to make the right decision about your retirement income.

  • Free Quote. It’s completely free to get an annuity quote from Retirement Line. If we arrange an annuity for you, we will be paid a commission from the provider, which is taken into account when calculating their annuity rate.

  • Hassle-free. Retirement Line makes arranging the best annuity rates simple and straightforward. We take care of all the paperwork and help you every step of the way.

  • The best rates. The volume of business we introduce to the UK’s major annuity providers helps to enable us to obtain the highest preferential annuity rates for you.

Speak to an Annuity Specialist today

For a free, no-obligation annuity quote, try our free annuity calculator. If you’d prefer to speak with an Annuity Specialist directly, you can call us on 0800 652 1316 or email us at

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