Compare the UK's Best Annuity Quotes
We provide you with quotes from all the UK's top annuity providers
Annuity Calculator
Use our free no obligation annuity quote comparison service and see how you could get up to 75% more retirement income from your pension fund.
Best Quote Guarantee
We'll send you a £100 M&S gift voucher if you receive a better annuity quotation on a like for like basis from another broker or provider direct.

- UK's biggest broker
Annuity Line is the UK’s largest broker specializing in annuities alone†.
- Every leading provider
Compare quotes from all the UK's leading annuity providers.
- More choice
As well as conventional and enhanced annuities we offer fixed term and investment linked.
- Free quote
It costs nothing to see how much more income we could secure for you.
- Best annuity rates
Get more retirement income thanks to our preferential rates.
- Simple and straightforward
Just use our free Annuity Calculator - without obligation.

Need Help?
As you count down to retirement it's vital you shop around for the best deal. Accepting the first offer from your pension company could be an expensive mistake!
Call now, and our Annuity Specialists are ready to help you, as we do the 20,000 people who contact Annuity Line each year to compare quotes from the UK's leading annuity providers.
We'll be happy to call you when it's convenient for you
Send requestFor a Free Annuity Quote 0800 652 1316
Real life examples of how Annuity Line helps people like you

45.4% increase
£1,384 extra annual income
Age 62, Mr Frey had suffered two heart attacks. His enhanced annuity gave him a lump sum of £22,394.25 and a guaranteed annual income of £4,434.72 for life – 45.4% higher than a conventional annuity.¹
Colin Frey, Leeds

150.12% increase
Over 150% increased income
71 year old Mrs Plant has motor neurone disease. Her enhanced annuity gave her a cash sum of £11,048.54 and a guaranteed annual income of £4,736.00 for life – 150.12% higher than a conventional annuity.¹
Susan Plant, Leicester

35.2% increase
Qualified as smoker
As a smoker, 55 year old Mr Melrose qualified for an enhanced annuity which gave him a guaranteed annual income of £1,990.32 for life – 35.2% higher than a conventional annuity.¹
Jim Melrose, Glasgow
I am extremely pleased with the service you and your company have provided. It has been very efficient and courteous. You have great customer service and I would call you a 5 star organisation to do business with.
Robert Jones, ManchesterThree simple ways to contact us
Call now, our friendly Annuity Specialists
are ready to help you.
We'll be happy to call you when it's convenient for you
Send requestOur Annuity Specialists are ready
to help you get the best quote.
Want to know more about annuities and Annuity Line?
An annuity converts the money in your pension pot into a guaranteed retirement income for life. Depending on your lifestyle and medical history, you might qualify for an enhanced annuity, which provides you with an increased income.
An enhanced annuity through Annuity Line can give you up to 75 % higher income compared to the lowest conventional annuity.Even moderate health conditions mean you qualify for an enhanced annuity.
Many people don’t realise it, but you can take your pension pot away from the company that built it up to get a better deal elsewhere. Just accepting their offer can be an expensive mistake. With our help, you can get up to 75% higher income than the income paid by a conventional annuity through your pension company.
Annuity Line is the UK's largest broker specialising in annuities alone. We have many years' experience of successfully arranging thousands of annuities. It's all we do. As annuity specialists, we provide quotes from every leading provider, for conventional, enhanced, investment linked and fixed term annuities. We have access to preferential annuity rates, which means you could secure a higher retirement income. We also make arranging your annuity simple and straightforward by taking care of all the paperwork for you. Every aspect of our service, from providing quotes to arranging your retirement income, is provided without charge as we receive commission from your chosen annuity provider. Investment linked annuities have additional charges payable, if you opt for this type of annuity, these charges will be explained to you.
There are four main types of annuity:
Conventional Annuity. This is the standard type of annuity. A conventional annuity pays you a guaranteed income for the rest of your life, regardless of what happens to interest rates or investment markets in the future. The amount of your income reflects the current market conditions when you take out your annuity. A conventional annuity assumes you have no particular health or lifestyle conditions.
Enhanced Annuity. An enhanced annuity also provides you with a guaranteed income for the rest of your life. The difference is that an enhanced annuity provides you with an income up to 75% higher than a conventional annuity. This is because an enhanced annuity reflects your medical history and lifestyle. Because many pension income providers assume you will not live as long as someone with a clean bill of health, you are paid a higher income.
It is estimated around 60% of people qualify for an enhanced annuity and there are around 1,500 different conditions which are relevant. These range from moderate health and lifestyle conditions such as high cholesterol, smoking, excess weight and alcohol consumption to conditions such as cancer and heart disease. Even certain occupations qualify.
Fixed Term Annuity. Instead of paying you a guaranteed income for the rest of your life, a fixed term annuity pays you a guaranteed income only for a fixed period of time. This is helpful if you want to keep your options open, or not commit to something you cannot change later.
A fixed term annuity works by paying you an income for a set period – typically five or ten years. At the end of this period, it then pays you a reduced lump sum of money. You can then use this to invest in another retirement income product, such as a conventional or enhanced annuity.
Investment Linked Annuity. An investment linked annuity will also pay you an a guaranteed income for the rest of your life. The difference is that an investment linked annuity also offers your income the potential to grow by linking your annuity capital to an underlying investment fund.
Retirment Line only offer a with profits option, being invested in a wide range of different assets, the income produced will vary from year to year, and can go down as well as up. That said, every investment linked annuity provider Retirement Line works with guarantees that your income will never fall below a certain level.