WILL YOU NEED ADVICE?

Once you have read this guide, you may feel your decision is:

straightforward, or
not straightforward, and more advice is required

Straightforward decision

Then you probably wish to buy an annuity, and have decided on what "bells and whistles" you require, such as widows benefits and index-linking. This being the case, you can do one of two things:

we will deal with the annuity purchase on your behalf, in which case click here. We charge no fee for this service, you get the deal no cheaper if you go direct, and we use our experience to guide you through what can be a paperwork minefield, or
find an annuity provider yourself, if you are confident that you can identify the best rate, from a financially strong provider, and know your way through thepaperwork

Not straightforward?

You want advice at some level, for example:

you would like an assessment of the range of annuity options and their costs, for example with and without widows benefits and index-linking. If this describes you click here, or
a thorough review is needed of your circumstances and objectives before moving on to product choices. If this describes you click here

Typically the need for a thorough and comprehensive review arises if:

You have a larger fund (typically in excess of £200,000)
Your circumstances aren’t straightforward
You have other assets or liabilities that need to be taken into account

Click here for more details on these options (or on "Our Service" in the top menu).

Once again i have been very impressed with the service you have provided....
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