Terms & Conditions

This notice sets out how our website can be used. By using the Annuity UK website hereinafter referred to as 'the Site', you are agreeing to be bound by the terms and conditions set out below. If you do not accept any of the terms and conditions, you should not use this website.

By using the Site, you undertake that you are aged 18 years or older.

Annuity UK is an online information source for annuities. Alterations to these terms and conditions can be made on occasion and once published, these alterations will become effective immediately.

The site owners make no guarantees and are not responsible for:

• The accuracy of the content of any third party material that appears on the Site.
• The quality of any third party services that may be engaged as a result of using the quotation service.
• The content of any third party website that links from the Site.
• Any financial information featured on the website or accessed via a link from the website is not considered to be financial advice from Annuity UK. This site is not authorised by the Financial Conduct Authority (FCA) regarding financial products.
• Any issues that may arise from contact or communication with third parties accessed from the Site are not the responsibility of Annuity UK.
• Any entry into a third party’s terms and conditions are wholly separate to the terms and conditions undertaken when using this website. We recommend when entering into a third party's terms and conditions, independent advice is sought.

Should Annuity UK receive payment as a result of your use of third party services accessed from the Site, it in no way indicates an exclusive partnership or agency relationship with that third party. Annuity UK offers a free service.

Permission must be secured prior to the reproduction or redistribution of material from the Site. Single printouts can be made for personal, non-commercial use. Adaptations or alterations to content from the Site in addition to unauthorised links are also not permitted.

Liability Obligations

The Site owners do everything possible to ensure data on the website is accurate and make all necessary efforts to immediately correct any inaccuracies as soon as the company is made aware of them. Annuity UK is not responsible for inaccuracies published on the website.

Annuity UK does not validate, monitor or endorse any third party information submitted to the Site.

Annuity UK does not validate, monitor or endorse the data or reviews collected from third parties.

Annuity UK is not responsible for any harmful effect on technology that may result from using the Site nor does Annuity UK give any warranty that the Site is free from viruses.

Annuity UK is excluded from liability, should any losses or claims occur as a result of your inability to access the Site, or from any use of the Site or reliance on data published on the Site to the extent permitted by law.

Nothing stated within these terms and conditions excludes or limits our liability for fraud or excludes or limits our liability under the FSMA (Financial Services and Markets Act 2000).

Termination of Agreement

Should any of the terms and conditions stated be breached, Annuity UK has the right to terminate the agreement and immediately remove, cancel or suspend access to and use of the Site.

All disclaimers, indemnities and exclusions stated within these terms and conditions shall survive termination of the agreement between us for any reason.

General Information

The Site must not be used for business purposes.

Should any provision of the agreement be held invalid or unlawful, that provision shall be deemed severed.

Where relevant, the validity of the remaining provision of the agreement will not be affected.

Should Annuity UK not enforce any provision of this agreement, such will not be considered a waiver of any provision or right.

Use of the Site and these terms are subject to the laws of England which shall exclusively govern the interpretation, application and effect of all the above permissions, exclusions, licenses and conditions of use and shall be construed in accordance with the laws of England and the parties submit to the exclusive jurisdiction of the English courts.

Our Partners

Our selected annuity specialists are Retirement Line, who provide the Annuity UK quote service. They are insurance intermediaries, specialising in annuities, and work on a non-advised basis only. Retirement Line is authorised and regulated by the Financial Conduct Authority (FCA Number 726601). Retirement Line is registered in England and Wales, registration number 6976976. Address: 52 Forder Way, Hampton, Peterborough, PE7 8JB.

There is no direct cost for using the Retirement Line Service. All quotes and information are provided free of charge and without obligation. Should you decide to proceed with an annuity through Retirement Line, they will be paid a commission from your new annuity provider, which is taken into account when calculating your annuity rates. Annuity UK will be remunerated for introducing your enquiry to Retirement Line, which does not affect the annuity rates offered to you.

Best Quote Guarantee - Terms & Conditions

Our selected annuity specialists are so confident of helping you to find the UK's best annuity rates, they'll send you a £125 MasterCard Prepaid Card if you find a better quote on a like-for-like basis elsewhere.

The Best Rates Guarantee is offered by our selected annuity specialists on the following conditions:

1. Terms apply only to money purchase benefits. Minimum fund size £40,000 gross.
2. Excludes policies with additional benefits such as guaranteed minimum pension, guaranteed annuity rates or defined benefit plans.
3. Competitive quotes from other brokers or providers including any relevant health or lifestyle information must be supplied to confirm higher quotations are on a like for like basis.
4. Any higher annuity quotes must have been produced within the last 5 days.
5. The best quote guarantee is offered by our selected annuity specialists, who must be given the opportunity to beat the alternative quote.

Offer valid until Tuesday, December 31, 2024.

Annuity UK reserve the right to withdraw, extend or vary this offer at any time.

Indicative Quote System - Terms & Conditions

All indicative quotes are provided in real time, directly from the following annuity providers: Aviva, Canada Life, Hodge, Just, Legal & General, LV and Scottish Widows.

All indicative quotes are produced with assumptions made regarding health and lifestyle, and are to be used for illustrative purposes only.