Research Content

• The biggest decision of your life?
• **FASTQUOTE**
• Will you need advice?
• Three things you must do now
• Key issues about you
• Have you gathered all the facts about you?
• Thinking through your objectives
• Key issues about your choices
• You must shop around
• Are annuities bad value?
• How long might you live, in theory?
• Will you live long enough to make up lost ground?
• No inflation, no problem?
• Don't delay, waiting for annuity rates to improve
• Don't delay, in expectation of reforms
• Don't delay buying an annuity without a very good reason
• Two main options at retirement?
• Your annuity choices
• Standard conventional annuity
• Enhanced conventional annuity
• Impaired Life conventional annuity
• With profits annuity
• Unit linked annuity
• Flexible or open annuity
• Optional extras, choices, and restrictions
• More on with profit annuities
• How it works
• Example
• Flexibility
• Who should consider one?
• How you might choose one
• Phased retirement
• How it works
• Example
• Flexibility in retirement
• Is it right for you?
• Product preference
• Income drawdown (unsecured pension)
• How it works
• Drawdown Examples
• Mortality drag and critical yield
• Flexibility
• Is it right for you?
• Past experience
• Product preferences
• What if you die? The "inheritability" issue
• Tax free cash or not?
• Investment issues
• Your other investments and savings
• What level of risk are you comfortable with?
• Our services
• Useful facts
• APPENDIX: 40+ questions to test your objectives

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