Lifetime income
A regular income paid for the rest of your life, with the option of level or increasing payments.
Explore lifetime optionsRetirement income, considered properly
A dependable income.
Designed around your life.
An annuity can turn part of your pension into a guaranteed income for life. We help you compare the whole market, weigh the trade-offs and make a confident, informed decision.
✓ Personal advice✓ Open-market comparison✓ No obligation to proceed
A permanent decision deserves perspective
More than finding a rate.
The right retirement income decision balances certainty today with protection for the people and plans that matter tomorrow.
Certainty and flexibility
An annuity may be part of the answer—not necessarily all of it.
For some clients, combining secure income with invested drawdown can provide a more balanced retirement plan. Advice should consider your essential spending, tax position, other assets, estate plans and capacity for investment risk.
Discuss a blended approachAnnuityDrawdown
Income certaintyContractualVariable
Investment exposureNone after purchaseOngoing
Access to capitalUsually noYes
Estate optionsSelected protectionsRemaining fund
The C A Financial Services approach
Clarity before commitment.
Understand
We start with your desired lifestyle, dependable income needs, family and wider financial position.
Compare
We assess relevant retirement-income routes and compare appropriate providers on a like-for-like basis.
Recommend
You receive a clear personal recommendation, including benefits, limitations, tax considerations and costs.
Arrange
If you choose to proceed, we manage the application and keep you informed through to the first payment.
Useful questions
Before you choose an annuity.
These are some of the decisions we will work through with you.
Should I use all of my pension?
Not necessarily. Depending on your circumstances, you may choose to annuitise only enough to cover essential spending and retain flexibility elsewhere.
How can my health affect the income?
Medical and lifestyle information may qualify you for enhanced terms. Full disclosure helps providers offer the most appropriate rate.
Can I protect my spouse or partner?
Yes. Joint-life income, guarantee periods or value protection may provide benefits after your death, although these usually reduce starting income.
Can I change an annuity later?
Generally, an annuity is difficult or impossible to change once established. That is why comparing features and alternatives before purchase is so important.
A considered next step
Request your personal annuity review.
Tell us a little about what you are looking to achieve. An adviser can then arrange an initial conversation at a convenient time.
Initial conversation without obligationNo pension transfer without your authorityClear costs before you proceed