Conventional Annuities

The basic Pension Annuity (a Conventional Annuity) is calculated on your own life, at a fixed rate, but you can add extra benefits to this, the most common ones being:

  • Income for your Spouse or Civil Partner
  • Increasing either by inflation or by a fixed amount
  • A guaranteed minimum period, generally 5 or 10 years or even longer
  • Protection for your capital with Annuity Protection
  • Linked to investment returns (see With Profit & Investment Linked Annuities)
  • Enhanced or Impaired (see Enhanced & Impaired Annuities)
  • All of these extra benefits have a cost, which means your level of income will be reduced.
Information is based on our current understanding of taxation legislation and regulations; these may change in the future.
The value of your investments and income from them may go down and you may not get back the original amount you invested.

First appointment is Free and we only charge if you decide to do business with us.

We pride ourselves on looking after our clients’ investments and offer an annual review service to our clients.

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