Annuities

Explore our expert insight below to discover how an annuity could be the right choice for those clients who may require a certain level of guaranteed income.

Expert insight

MORTALITY CROSS SUBSIDY ARTICLE

We consider whether Flexi-Access Drawdown (FAD) will be the most suitable solution for customers throughout their lifetime; or whether factors including mortality drag mean they should consider an annuity at some point.

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ANNUITIES & DEATH BENEFITS CASE STUDIES

We show in 3 case studies how extended guarantee periods or significant dependant’s provision can help to balance secure retirement income with the provision of death benefits.

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Securing a lifelong income

There’s a new post-pension freedoms focus on using annuities as one element of a client’s retirement income package. In light of this, we consider the technical aspects of annuity options.

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SECURITY IN VOLATILE TIMES

Our article outlines how the security and dependability of annuities could benefit your clients and protect their retirement income through market volatility.

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COMBINING ANNUITIES WITH FLEXIBLE-ACCESS DRAWDOWN

In this case study we illustrate how combining Flexi-Access Drawdown and annuities can provide retirement income for clients requiring both flexibility and security.

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Meeting customer's retirement needs

Whatever your customers' circumstances, Scottish Widows is well placed to fulfill their retirement income needs. We can provide the income flexibility of drawdown, the guaranteed income of an annuity, or a combination of both.

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PRACTICAL SUPPORT

Annuities adviser guide

Read our detailed adviser guide on Scottish Widows Annuities

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Individual Annuities

Our competitively priced Standard and Enhanced Annuities are available to both new and existing customers.

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