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Who Are We?

Retirement Solutions (UK) Ltd are Financial Conduct Authority (FCA) registered financial specialists and one of the UK's best known retirement income experts.

What is an annuity?

An annuity is an arrangement where you make a lump-sum investment. From this investment you receive a guaranteed level of income. Most pension annuities are bought using funds held in money purchase pension schemes.

In other words, an annuity converts a savings fund into income and that income will be paid to you for the rest of your life.

Enhanced / Impaired Annuities

If you are in advanced years, have impaired health or a smoker you may be able to increase your annuity income.

You may be able to enhance your income if you have a medical condition, no matter how small or insignificant you think it is. It is crucial that you tell our team of annuity specialists about it. You'll stand a better chance of a higher income for the rest of your life. This is also the case if you smoke 10 or more manufactured cigarettes or use 85mg of rolling tobacco daily.

Although you may be in relatively good health - some people think they have to suffer from a medical condition such as cancer, heart disease or stroke to receive extra income in retirement - the reality is often surprisingly different. A seemingly unimportant complaint may substantially boost your retirement income.

Additionally, higher annuity rates are sometimes offered to people who have retired from certain occupations or people who live in certain parts of the country.

It really doesn't have to be difficult

Previously you would have bought your annuity from your existing pension provider, but now it is possible to shop around for a better deal.

Put your feet up and let us take all the stress out of searching for an annuity. Uncover the surprising difference between one annuity and another and also learn about income drawdown. Simply take a few seconds to enter your details and you will be called back as soon as possible.


Approx. pension fund(s) value before tax free sum taken. (hover here for instant help) Pension fund offered before tax taken

Please complete the approximate total pension fund before tax free cash in the box (£).

That is the fund amount to provide the annuity before your tax free sum is taken.

Please give an approximation if unsure, it won't be any problem changing the amount at a later date.
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