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PENSION INCOME SPECIALISTS

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We simplify the process

Pension Options Direct are pension income specialists. We search the whole of the market to obtain the best pension annuity and drawdown rates for you. We specialise in low-risk pension products such as Lifetime Annuities and Enhanced Annuities as well as Drawdown products like Guaranteed Drawdown also known as Fixed Term Annuities.

We work on a non-advised basis. By providing you with information about the different types of pensions and the advantages and risks associated with those pensions we enable you to choose what type of pension you would like. We enable you to be in control of your pension income.

We can also offer help with Equity Release through a 3rd party on a fully advised basis.

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Our Experience

We have a wealth of experience having spent many years within this industry. This knowledge has developed and enforced our belief that everyone is entitled to help and support, to obtain the most appropriate and suitable pension from the whole of the market.

Our Knowledge

We have a diverse knowledge of all aspects of financial services and beyond. Having experience of banking, Independent Financial Advice as well as knowledge from other business sectors has enabled us to create a customer focused Pension Income Specialist Company.

Our Commitment

This experience and knowledge has instilled a firm belief that everyone should be given access to the information and support required to obtain the most suitable pension outcome. We promise to deliver this information and support and through our “whole of market” offering we will endeavour to obtain the best rates available for the chosen pension product.

I would to thank Pension Annuities Direct for the very efficient way they completed my annuity, very pleasant and explained everything to me so that I could understand fully.
Graham Moore
have found Pension Annuities Direct very efficient, friendly and professional and provided excellent results, which I am extremely happy with.
Harold Batsone
Quality and professional service. I would thoroughly recommend Pension Annuities Direct
Ian Simmonds

We only use highly reputable providers

We use a ‘whole of market’ approach to find the best annuity and drawdown rates. By obtaining quotes from all the major pension providers we will help you to achieve the highest level of pension income.

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Russ Myers

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Paul Attiwell

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Paul Northmore

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Samantha Johns

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Our Service Proposition

We aim to ensure that your personal pension fund is used in the most suitable way for you and that we achieve the best pension rates through the “whole of the market” research and calculation that we make.

  • We will ask questions to enable us to understand your pension requirements
  • We check to make sure that you do not lose any valuable pension benefits in converting to the “open market”
  • We provide information in an understandable format to enable you to make choices about your future pension
  • Once you have understood your pension options, we research the whole of the market to obtain the best rates available for the product/s you have chosen.
  • Once again, we present your pension options in an understandable format to enable you to make an informed decision about your pension

You can relax whilst we do all the administration

  • We complete all the paper work and send in your application
  • We deal with any questions or requests from the new pension provider
  • If required we can also deal with your old pension scheme for you.
  • We will provide updates whilst you pension is in application
  • We will notify once the application is completed and your pension is live
  • We will send you a completion letter detailing your pension and any key information that may be required in the future

Pension application timescales

We are in the hand of the ceding pension scheme to release the funds and any delays are normally at their end. We do hope to complete an application within 3 weeks however some complicated ones have taken far longer. We will keep you advised along the way.

We Will Help You Every Step Of The Way

From understanding your pension requirements to providing you with your pension options. From obtaining the best pension rates available to doing all the administration we will support you through the while process.

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our team of Specialists are here for you

It can be a lot easier to talk through your requirements, so please feel free to call one of our specialist team to discuss your Pension Options.

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Enhanced Annuities

Enhanced annuities work in the same way as a standard pension annuity but also consider your lifestyle and health conditions. If you qualify for an enhanced annuity you would expect it to provide more income for the rest of your life than a standard pension annuity would provide.

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Lifetime Annuities

A lifetime pension annuity is designed to provide you with an income and is payable for the rest of your life as a minimum. The funds that you have saved into your pension pot are used to purchase an annuity either from your existing pension company or from a new pension income provider.

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Fixed Term Annuities

A Fixed Term Annuity is a type of Guaranteed Drawdown product designed to allow you to access your pension in a more flexible manner than purchasing a set income for the remainder of your life which is what a lifetime pension annuity does. They provide a guaranteed return on your investment.

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Flexi access Drawdown

Flexible Access Drawdown products provide a flexible way to take your pension and range from relatively low risk products with guaranteed returns to high-risk products investing in all manner of asset classes. Whilst providing flexibility they do not give a guaranteed income for the whole of life. 

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Releasing Tax Free Cash

When you are 55 or over you can access your pension and, if you wish, take a tax-free lump sum. You can then invest the remainder in a pension product and either take an income or keep it invested. You can normally take up to 25% of your investment tax free and use this money as you wish.

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Tax Free Lump Sum

If your pension has not been crystalised (accessed previously) you can take a tax-free lump sum from the pension investment. This is normally in the form of a 25% tax free lump sum payment, but some types of pension schemes do have enhanced benefits and permit more than 25% to be taken.

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State Pensions

The Basic State Pension is available to men born before 6th April 1951 and women born before 6th April 1953 and the New State Pension available to those born later. We have links to the Government information pages and the State Pension Age Calculator and a link to obtain your State Pension Forecast.

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Equity Release

Is a way of taking some of the equity (investment wealth) built up in your property as tax-free cash to provide additional income in retirement or to pass over inheritance money to the family before dying, repay other mortgages or borrowing or to just spend on something you have always wanted.  

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