What is all the fuss about?

Q.  Surely I can go on line and get some figures and sort it out?

A.  Yes if you want limited choice and value!

Pensionlite are a whole of market provider so will search all of the annuities available to find the best arrangement possible to suit your needs.  We don’t cut corners, we do not have a small panel of providers, we deal with everyone and we will take all of your circumstances into account.   

When you purchase an annuity it is unlikely you can ever change your mind even if your circumstances do, investment markets improve or annuity rates get better. Because annuity rates are currently at an all-time low your long term financial well-being can be seriously improved provided you are patient and allow Pensionlite the time to find the best provider. The difference could be as much as 40% more.

What we do and why

• With your approval, contact your existing pension provider to check out your existing plans. They may be better than you think, have special rates or higher tax free cash. Best we find out.
  
  
• Provide you with a ‘starting point’ quotation which we fully expect to improve on. Most people want an idea of what is available but this is just a starting point whilst we get to work for you.
  
  
• When it’s convenient to you, over the telephone, we will complete a Lifestyle and Health Questionnaire so that all of your circumstances are taken into account when searching for the best rates. Things that produce enhanced annuity rates are: - post code, lifetime occupation, smoking, drinking, height, weight, medical history and prescription medicines even medication for things like blood pressure and cholesterol have a serious impact in your favour.     
  
  
• Go through your annuity options.  Do you have a spouse who you want to receive income if you die first? If you do then how much, 50% - 100%? Do want level or increasing income? Do you want any guarantees? Would you like an investment backed annuity linked to say With Profits which may provide increasing income in future years?   
  
  
• If you want to take benefits now but don’t fancy locking into an annuity until markets improve and rates increase we can offer an option.
  
  
• When we have finished our research and taken all of your circumstances and aspirations into account we will produce and post to you your personal report and recommendations pack for consideration.  When you have read it and written down all of those questions you are bound to have we will telephone you to go through the advice and assist you with the paperwork to make it happen, provided of course you agree with our advice. If you don’t, then it has cost you nothing because our recommendations are free and without obligation. 

Let Pensionlite work with you to do the job properly. The decisions you are about to make are for life.

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