Purchase Price £10,000 Single Lives
Aviva
Canada Life Standard Life
Joint Life Aviva
Canada Life Standard Life
Joint Life Aviva
Canada Life Standard Life
Purchased Life Annuities Gross annual annuity payable m Level Without Guarantee
Level Guaranteed 5 Years 65yrs 70yrs 75yrs 80yrs - 85yrs
£527 £598 £703 £892 £1200 £405 £485 £605 £801 £1140 £462 £540 £669
-
Last Survivor M65/F60 M65/F65 M70/F65 M70/F70 M75/F70 M65/F60 M65/F65 M70/F65 M70/F70 M75/F70 M65/F60 £440 £460 £482 £495 £528
£322 £347 £370 £406 £439 £360 £396 £421 £449 £486
£440 £460 £482 £494 £528 £322 £347 £370 £406 £439 £360 £396 £421 £449 £486
Last Survivor M65/F60 M65/F65 M70/F65 M70/F70 M75/F70 M65/F60 M65/F65 M70/F65 M70/F70 M75/F70 M65/F60 £468 £482 £520 £524 £581 £343 £363 £399 £428 £480 £399 £438 £473 £507 £558
£468 £482 £519 £523 £579 £343 £363 £399 £427 £479 £399 £437 £472 £504 £556
£466 £342 £396
PURCHASE PRICE £50,000
With Profits Pension Annuities Gross annual annuity pa Anticipated Bonus Rate
0% 3%
Single Lives Aviva (With Profits) 3
LV= (Good Health) 2 LV= (Smoker) 2 LV= (Special) 2
Joint Life
Last Survivor Aviva (With Profits) 3
LV= (Good Health) 2 LV= (Smoker) 2 LV= (Special) 2
No Guaranteed Period 4% Age attained 55
Conventional Annuity No Guaranteed Period Level Esc 5% p.a.
0%
Anticipated Bonus Rate No Guaranteed Period 3%
4% Age attained 60
£1,554.12 £2,518.08 £2,877.24 £2,120.59 £841.01 £1,819.56 £2,775.72 £3,125.40 £2,373.0 £1,407.00 £2,288.00 £2,618.00 £2,308.00 £989.00 £1,653.00 £2,531.00 £2,854.00 £2,493.0 £1,407.00 £2,288.00 £2,618.00 £2,480.00 £1,207.00 £1,653.00 £2,531.00 £2,854.00 £2,706.0 £1,407.00 £2,288.00 £2,618.00 £2,518.00 £1,256.00 £1,653.00 £2,531.00 £2,854.00 £2,711.0
No reduction on first death Age attained M60/F55
Age attained M60/F60
£1,387.92 £2,310.00 £2,659.56 £1,975.38 £743.56 £1,509.48 £2,421.12 £2,763.60 £2,083.8 £1,251.00 £2,100.00 £2,424.00 £2,128.00 £862.00 £1,364.00 £2,204.00 £2,522.00 £2,230.0 £1,251.00 £2,100.00 £2,424.00 £2,175.00 £903.00 £1,364.00 £2,204.00 £2,522.00 £2,303.0 £1,251.00 £2,100.00 £2,424.00 £2,171.00 £900.00 £1,364.00 £2,204.00 £2,522.00 £2,295.0
With profit pension annuities allow you to choose the amount of income you receive at the start by selecting an anticipated bonus rate (ABR). In most cases, this can vary betw applied to your regular income after allowing for the ABR already selected. 2 = LV= special feature - A guaranteed minimum income equivalent to a starting income of 0% AB so the rate you get may be greater or less than the amount shown. The rates shown are indicative of annuitants (and dependants for joint life cases) who are either in good hea LV= with profits pension annuity customers who wish to convert. Annual Bonus Rates: Regular bonus rates for 2012 onwards are declared quarterly. The current quarterly dec at the policy anniversary from February after the declaration date. For 2013, 2.25% applies for 2013 purchases, for pre 2013 purchases, 1.5% would be applicable.
Impaired Life Annuities: The following insurers are prepared to pay a higher income than usual because they assume the payment period will be shorter than average:
Aviva 0845 300 0009 Enhanced conventional pension annuity rates for individuals (and/or their spouse/dependants if a joint life annuity is applied for) who suffer a serious illness/condition which has a measurable effect on life expectation, such as cancer, stroke or heart attack. Rates only quoted after a medical report is received.
Canada Life Enhanced 0845 300 3199 Enhanced/impaired rates are available to clients (including 2nd annuitant if applicable) for a range of lifestyle or medical conditions including more severe illnesses like cancers, heart condtions, diabetes and strokes.
Just Retirement 0845 302 2287 Enhanced rates are provided by a computerised quote s annuity rates which take into account combinations of m factors along with conventional age and gender consider
LV= (Special) 0800 169 1111 Enhanced rates are available to clients (and/or dependan including some forms of cancer, diabetes, kidney diseas
MGM Advantage 0800 121 6565 Enhanced pension annuity covers a wide range of illness
Reducing by one third on death of male life
£440 £322 £360
No reduction on first death 65yrs 70yrs 75yrs 80yrs - 85yrs
£525 £595 £693 £862 £1103 £404 £483 £598 £780 £1054 £461 £538 £660
-
65yrs £520
£401 £457
L
Conven No Guar Level
44
March 2015
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