The links below are a repeat of the links available in the menu system above and are for the benefit of visually disabled people using speech reader computer equipment.

about the pension annuity service
additional benefits
alternative flexible annuities
annuity income frequency
annuity alternatives explained
annuity - economic conditions
annuity factors explained
annuity guide book
annuity quotes
annuity rate
annuity terms offered by provider
annuity - the effect of timing issues
annuity types explained
are you retiring soon?
contacting PAAS
conventional annuities
costs of using retirement advice service
escalating annuities
five year rolling annuities
flexible annuities
getting started
getting the most out
impaired life annuities
income drawdown
index - home page
inflation - the effects on your annuity
investment linked annuities
lifestyle enhanced annuities
open market option
our advice service
our credentials
partners pension
payment guarantee period
pension annuity questions
pension options
pension simplification
pensions act 2004
phased retirement
protected rights
purchased life annuities
retiree age and gender
retiree health
retirement annuity terminology
self invested annuities
staying working whilst drawing pension
tax free cash
testimonials
unit linked annuities
with or without proportion
with-profits annuities
your pension explained

Link to parent company website, Richmond Independent

Alternatives to annuity purchase> background

Some retirees may not want to buy an annuity and prefer to look at the other options that are available. The choices available under this section are relatively complex and invariably more risky as they may include an investment risk.

Most companies require a minimum pension fund of £100,000 (after tax free cash is deducted) before you are able to take up these choices. Additionally, due to the inherent risks involved in these types of choices it is strongly recommended that you take advice. You can do this by registering as a PAAS client.

Please note that the advantages and disadvantages listed for each option are not an exhaustive list and your own personal situation may highlight differing advantages or disadvantages which are unique to yourself.

Your Annuity

Using our service

PAAS

The Pension Annuity Advisory Service is a trading style of Richmond Independent, which is an appointed representative of John Ellis IFA Ltd which is authorised and regulated by the FSA