Purchase Price £10,000 Joint Life
Lowest Rates Highest Rates
AEGON Aviva 1
Friends Life (Enhanced) 2 Hodge Lifetime 11
Canada Life 8
Just Retirement (Enhanced) Just Retirement (Sm Plus) Legal & General (Plus) 12 Legal & General LV= (Smoker) 4 LV= (Special) 6
Pension Annuities (continued) Gross annual annuity payable m Level Without Guarantee
Level Guaranteed 5 Years
Last Survivor 60/55 Average
No reduction on first death 60/60
65/60 70/65 75/70
£364 £389 £407 £459 £530 £283 £301 £320 £372 £437 £456 £488 £510 £581 £706
MGM Advantage (Enhanced)7 Partnership (Enhanced) Partnership (Smoker) Prudential 8
SAGA (Annuity Plus) 13 SAGA 10
Standard Life
Purchase Price £10,000 Joint Life
Lowest Rates Highest Rates
AEGON Aviva 1
Friends Life (Enhanced) 2 Hodge Lifetime 11
Canada Life 8
Just Retirement (Enhanced) Just Retirement (Sm Plus) Legal & General (Plus) 12 Legal & General LV= (Smoker) 4 LV= (Special) 6
£283 £301 £320 £372 £437 £321 £339 £356 £408 £459 £362 £383 £395 £438 £502 £391 £416 £431 £498 £589 £358 £378 £399 £448 £515 £456 £488 £510 £581 £706 £441 £468 £479 £540 £632 £396 £420 £448 £504 £568 £368 £391 £410 £447 £499 £380 £408 £417 £462 £527 £369 £397 £407 £449 £514 £412 £434 £452 £510 £586 £314 £350 £360 £416 £491 £285 £329 £340 £407 £487 £340 £358 £385 £436 £516 £394 £418 £451 £501 £565 £367 £389 £413 £444 £496 £319 £337 £354 £399 £457
Level Without Guarantee
Last Survivor 60/55 Average
65/60 70/65 75/70 60/55 60/55 60/60 65/60 70/65 75/70
£364 £389 £407 £459 £530 £283 £301 £320 £372 £437 £456 £488 £510 £579 £702
£283 £301 £320 £372 £437 £321 £339 £356 £408 £459 £362 £383 £395 £438 £502 £391 £416 £431 £498 £588 £358 £378 £399 £448 £515 £456 £488 £510 £579 £702 £441 £468 £479 £540 £631 £396 £420 £448 £503 £567 £368 £391 £410 £447 £499 £380 £408 £417 £462 £527 £369 £397 £407 £448 £514 £412 £434 £452 £510 £586 £314 £350 £360 £416 £490 £285 £329 £340 £407 £486 £340 £358 £385 £436 £516 £394 £418 £451 £501 £565 £367 £389 £412 £444 £496 £319 £337 £354 £399 £457
Level Guaranteed 5 Years
Reducing by one third on death of first life 60/60
60/60
£389 £409 £441 £502 £590 £308 £322 £354 £413 £495 £491 £517 £558 £645 £800
MGM Advantage (Enhanced)7 Partnership (Enhanced) Partnership (Smoker) Prudential 8
SAGA (Annuity Plus) 13 SAGA 10
Standard Life
£308 £322 £354 £413 £495 £342 £355 £383 £443 £507 £383 £399 £422 £473 £548 £418 £437 £472 £545 £651 £380 £392 £430 £490 £572 £491 £517 £558 £645 £800 £470 £491 £518 £592 £703 £423 £443 £483 £548 £626 £389 £407 £436 £480 £541 £407 £429 £449 £505 £589 £396 £415 £438 £485 £572 £440 £458 £492 £567 £664 £345 £378 £402 £471 £564 £316 £357 £383 £464 £562 £355 £373 £406 £467 £564 £421 £441 £486 £546 £623 £387 £405 £438 £477 £539 £339 £354 £382 £433 £502
65/60 70/65 75/70
£389 £409 £440 £501 £586 £308 £321 £354 £412 £492 £490 £515 £556 £639 £783
£308 £321 £354 £412 £492 £342 £355 £382 £442 £504 £383 £399 £422 £472 £547 £417 £436 £471 £543 £647 £380 £392 £429 £488 £568 £490 £515 £556 £639 £783 £470 £491 £517 £589 £696 £423 £442 £482 £546 £621 £389 £406 £435 £479 £540 £409 £429 £448 £503 £584 £396 £415 £437 £484 £572 £440 £458 £491 £565 £658 £344 £378 £402 £470 £560 £316 £357 £382 £462 £558 £355 £373 £406 £466 £562 £421 £440 £485 £543 £618 £387 £404 £438 £477 £537 £339 £354 £381 £432 £501
60/55 £388
£307 £486
£307 £341 £382 £416 £379 £486 £467 £420 £388 £407 £394 £438 £342 £314 £355 £418 £386 £339
Canada Life , Just Retirement, and Partnership, Investment Life & Pensions Award Winners - See page 5 for details. 1= Rates shown are based on a typical postcode and assume that
on certain lifestyle factors that could include smoking status, alcohol consumption and height and weight. Minimum purchase price £10K. 4= Minimum purchase price £10K. 6= Ra assume a recent heart attack but other conditions would also qualify. Minimum purchase price £10K. 7= Rates offered by MGM Advantage are available for a range of lifestyle and m payments are made on a quarterly basis. 8= Rates shown are based on a typical postcode and actual rates will vary depending on individual circumstances. Minimum purchase pri General. 11= Minimum purchase price £10K. Up to three funds accepted for annuity purchase. 12= Legal & General offer Annuity Plus and Enhanced conventional pension annuity Plus rates shown are based on a person who currently smokes an average of at least ten cigarettes per day and who has been a regular smoker for at least the last ten years, and live including more severe illnesses like cancers, stroke, diabetes and heart conditions. SAGA Annuity Plus rates shown are based on a person who currently smokes an average of at least
48 March 2015
60/55 £364
£283 £455
£283 £321 £362 £391 £358 £455 £441 £395 £368 £379 £369 £411 £314 £285 £340 £393 £366 £319
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