Annuity Rates Are At Record Levels (September 2026) - Time to buy?

1 - RETIREMENT CALCULATOR - https://financialeducation.co.uk/reti... - Use our interactive model to help you work out how much you need and how much you can spend in retirement. 2 - EQUITY RELEASE CALCULATOR - https://financialeducation.co.uk/how-... - More and more people are using equity release to fund their retirement. Use the free calculator to see how much you could borrow. 3 - RETIREMENT PLANNING CHECKLIST - https://financialeducation.co.uk/reti... - Download my free checklist and make sure you have not missed any of the big retirement decisions, deadlines or details. In September 2026, a healthy 65-year-old can turn a £100,000 pension pot into around £8,360 a year of guaranteed income for life, roughly £700 a month whatever the markets do. Despite every headline warning that annuity rates are about to fall, they have quietly kept rising, and are now well above the 2022 peak everyone was told to rush for. If you have been searching for the best annuity rates right now, how much annuity £100,000 buys, or whether now is a good time to buy an annuity in the UK, this video walks through the real numbers at age 60, 65 and 75. The rate itself matters far less than the four things you actually control: your age on the day, protecting your partner, declaring your health, and shopping the whole market. HOW MUCH ANNUITY DOES £100,000 BUY IN 2026? At 65 a £100,000 pot buys around £8,360 a year, but the same pot pays roughly £7,100 at 60 and about £9,900 at 75, close to 40% more income just for being older when you buy. WHAT IS AN ENHANCED ANNUITY AND WHO QUALIFIES? Common conditions like high blood pressure, type 2 diabetes or smoking can lift that £8,360 baseline above £9,000, and serious conditions can push it beyond £10,000 a year, yet around 1 in 4 buyers never declare a condition that would have raised their income for life. HOW MUCH DOES A JOINT ANNUITY COST TO PROTECT YOUR PARTNER? A joint annuity paying half to a surviving partner is around £7,770 against the £8,360 single-life baseline, and full protection is about £7,190, so the complete safety net costs roughly £1,170 a year and buys your partner an income for life. RESOURCES Financial Education (Enhanced Annuity Guide): https://financialeducation.co.uk ABOUT ME My name is Saq Hussain, and I have over 25 years of experience in the UK pension industry, helping to shape pension and retirement strategies for some of the world's largest organisations. BACKGROUND & ROLES Strategic Advisor: EY (Ernst & Young) Pensions Former Director: UK Head of DC Pensions, Benefits & Wellbeing at PwC Pension & Benefits Consultant: Aon, Willis Towers Watson and KPMG PRESS CITATIONS This Is Money (Daily Mail): https://www.thisismoney.co.uk/money/p... The Express: https://www.express.co.uk/news/politi... CONNECT WITH ME Retirement & Pensions: https://financialeducation.co.uk Help & Advice: https://helpandadvice.co.uk Later Life Care Planning: https://ukcareguide.co.uk LinkedIn:   / saq-hussain   LISTEN ON PODCAST Spotify: https://open.spotify.com/show/6786MNM... Apple Podcasts: https://podcasts.apple.com/gb/podcast... DISCLAIMER: For educational purposes only. Not regulated financial advice. Consult a qualified advisor before making pension decisions.