The Terms
Before you speak, listen. Before you write, think. Before you spend, earn. Before you invest, investigate. Before you criticize, wait. Before you pray, forgive. Before you quit, try. Before you retire, save. Before you die, give. ~ William A. Ward
USE OF ANNUITY PATHWAY
Use of the Annuity Pathway ("we", "us", "annuity-pathway.co.uk") website ("the site") constitutes acceptance of the Annuity Pathway Website User Agreement ("the agreement") and Terms and Conditions of Use ("terms"). The user of the site ("you") represent that you have read and understood these terms and agree to be bound by them. If you do not agree to all the terms and conditions on this page, please do not use this website. Use of any internal or external links on the Annuity Pathway website constitutes acceptance of the terms on this page. If you do not agree with these terms, please exit this site by closing the browser window. The terms "Annuity Pathway", "annuity-pathway.co.uk" encompass the Annuity Pathway Internet Site and Marketing Communications.YOU DO NOT PAY US A FEE
There is no charge for us investigating your policy and you are under no obligation to follow any recommendations that are made. By using an annuity broker's service you will get advice that is paid for by the annuity company. You will not have to pay them a fee as your broker will receive a commission payment direct from the recommended annuity provider. Your adviser's costs are already factored into the income that you are offered by the annuity provider.To reiterate, if you buy a financial product, the annuity broker will normally receive commission on the sale from the product provider. Although you pay nothing up front, that does not mean our service is free. You still pay us indirectly through product charges. Product charges pay for the product provider’s own costs and any commission. These charges reduce the amount left for investment. If you buy an annuity direct, the product charges could be the same as when buying through an annuity adviser, or they could be higher or lower. We will tell you how much the commission will be before you complete an investment, but you may ask for this information earlier.
TRANSPARENCY
Annuity Pathway is an independently owned website which acts as an advertising and marketing vehicle to attract passive enquiries (from people that are proactively searching for annuities or annuity alternatives using search engines or directories on the internet) and pass on such enquiries for a fee (but free to the searcher) to financial services providers. As such, the owners, webmasters and marketing professionals of this website are unable to offer financial advice. Information on this site does not constitute regulated financial advice and is intended only to provide general personal financial information.You should always consult an Independent Financial Adviser (IFA) before making any financial decision. Responsibility rests with the annuity broker to comply with the relevant regulating authorities. Any information contained on the website does not form the basis of any contract. Business or financial decisions should not be based solely on the information contained within this website. Annuity Pathway UK is not responsible or liable for any financial service obtained through a 3rd party. An Annuity enquiry from this website does not constitute an offer to provide an annuity.
INDEMNITY
In order to use Annuity Pathway you must agree to be legally bound and to abide by the terms and to indemnify and hold the operators of the Annuity Pathway website harmless from all alleged or actual damages, claims and expenses relating to any warrant, guarantee or representations made by the individual service providers featured within this website or linked websites. This also includes, without limitation, attorney's fees. The use of Annuity Pathway for any reason is deemed to be an agreement of this condition.DISCLAIMERS
Bearing in mind that Annuity Pathway is a free "public access" site, it's a condition of use of the site and the materials in it that use is at the user's own risk. We give no representation or warranty as to the accuracy of the content of the site and assume no responsibility for errors or omissions in it or the effect it has upon your computer. We disclaim all liability in respect of such information and its provision. Neither Annuity Pathway nor any of the site's administrators, editors or contributors shall be liable for any loss or damages suffered as a result of any use of the site, including but not limited to direct loss, consequential loss and loss of profits. We do not assume, and therefore disclaim, any liability for any loss or damage caused by errors or omissions.Annuity Pathway is provided on an "as is" and "as available" basis. We shall not be liable for any direct, indirect, incidental, special, or consequential damages. This includes, without limitation and even if we are advised of the possibility thereof, any damages for loss of goodwill or any and all other commercial damages or losses including loss of profit, that result from the use of, or inability to use Annuity Pathway.
AVAILABILITY OF SERVICE
Any guidance contained within this website is subject to the UK Financial Services Authority regulatory regime and is therefore restricted to consumers based in the UK.We do not warrant or guarantee that the Annuity Pathway website will be uninterrupted or error-free.
LINKS AND SITE CONTENT
We do not make any warrant or guarantee, either expressed or implied as to the accuracy, validity, completeness, suitability, reliability, or currency of any information content within its site or sites to which it's linked to. Links to other websites are provided solely as a resource guide and do not represent an endorsement or guarantee, either expressed or implied. The Annuity Pathway website does not assume any liability for any of the products, services, or data of any other sites. The Annuity Pathway website is a facilitator of links to the content of other sites and as such has no editorial control over the content of such linked sites in the same manner that a public library has no control over the content of the books that it distributes. It is the responsibility of the user to evaluate the information, opinion, advice, or other content contained within the site before buying an annuity or annuity alternative. We cannot be held responsible or liable for any loss or damage due to reliance on information obtained through the Annuity Pathway website.TAGS
Buying an annuity, buy an annuity, annuities calculator, pension annuities calculator, pension annuity best, pension annuity rates, pensions annuity, retirement annuity rates, the best annuity, annuity buying, annuity calculator, annuity compare, annuity comparison tables, annuity comparisons, annuity pensions, annuity prices, annuity providers, annuity quotation. Annuity quotations, annuity quotes online, annuity rates in the uk, annuity rates the uk, annuity rates uk, annuity values, best annuity rate, best buy annuity, best pension annuity, buy an annuity, buy annuity, buying annuity, calculator annuity, compare annuity, compare annuity rates, fixed annuity calculators, highest annuity rates, income annuity calculator, income drawdown annuity. Open market annuity, annuity market open, annuity drawdown income.INFORMATION INDEMNITY
The user agrees not to rely on any information obtained from the Annuity Pathway website and indemnifies us from mistakes, omissions, errors, interruptions, delays of service or performance, defects, harmful components, viruses and bugs, howsoever caused. Personal information sent to Annuity Pathway UK is at the senders own risk.SEVERANCE
If a term, covenant, provision, or condition of this agreement becomes, or shall be held by any court of competent jurisdiction to be against public policy or illegal, all remaining provisions of this agreement shall remain in full force and effect and unaffected, impaired or invalidated by this decision. The invalidated item shall be modified by the parties to the full extent possible to carry out all the intentions and directives stated in this agreement.GOVERNING LAW
Any such contract will be interpreted, construed and enforced in all respects in accordance with the laws of England, and you and Annuity Pathway irrevocably submit to the non-exclusive jurisdiction of the English Courts. This agreement is governed by English law and all disputes will be handled solely in the United Kingdom. English Courts will have jurisdiction in respect of it. You consent to such venue and jurisdiction. The Annuity Pathway website is controlled and operated from offices in the United Kingdom and makes no representations or warranties that its content or use is legal in other locations.ANNUITY PATHWAY TERMS HEADINGS
Headings are for reading convenience only and are not to be used in the interpretation of this agreement.VARIATION
Whilst it's not our intention to do so, the operators of the Annuity Pathway Website reserves the right to change its policies and terms at any time. Any such changes will be posted on this page.We do not assume, and therefore disclaim, any liability for any loss or damage caused by errors or omissions.
If you do not agree to all the terms and conditions on this page, please do not use this website. Use of any internal or external links on the Annuity Pathway website constitutes acceptance of the terms on this page. If you do not agree with these terms, please exit this site by closing the browser window.
COPYRIGHT NOTICE
Design: Arcsin. Licensed under a Creative Commons Attribution 2.5 License. Bench photo (original unmanipulated): Constantin Jurcut (SXC). Path woods photo (original unmanipulated): Bill Davenport (SXC). This website is not associated with other companies or websites who own or trade under similar sounding names, with similar designs or misspelled/variations such as Anuity Pathway, Anuities Pathway, Annuities Pathway, Pathway Annuities, etc. © Content Copyrighted. Certain images may be subject to trademarks.DATA PROTECTION ACT 1998
I/we confirm that I/we have the consent of any third party whose details I/we may disclose to Annuity Pathway ("You") to disclose such details and to authorise You and the third parties referred to in the paragraph below to process such details for the purposes of assessing my/our application and administering and enforcing any subsequent financial service which may be granted to me/us.I/we agree that You and any advisor resulting from this application (the "advisor") shall be entitled to use and process, by any medium, the information given by me/us in this enquiry form and any other information about me/us which may be acquired during the lifetime of any enquiry ("the Data") for the following purposes:-
i. to provide the Data to and search the files of one or more credit reference or fraud prevention agencies whether before, or during the lifetime of any financial service granted to me/us by the advisor, who will keep a record of such search, to confirm the Data, and for the purposes of credit assessment or account administration. I/we understand that You and /or the advisor will record false or inaccurate information if this is given by me/us and fraud is suspected.
ii. To disclose the Data to credit reference agencies when requested by them for consideration of any future applications for finance made by me or members of my household/family, or for fraud prevention and/or tracing debtors (the agencies may also disclose the Data to other advisors for these purposes)
iii. to disclose the Data to any other company within the advisor's group of companies and/or to any third parties (for example, debt counsellors and insurers) at any time for the purposes of assessing my/our application and administering and enforcing any subsequent financial service whether during the course of my/our application or during the lifetime of any financial service granted pursuant to such application;
iv. to disclose the Data to any third party who replaces or who may replace my/our adviser.
PREVENTION OF MONEY LAUNDERING
The adviser and other organisations may use and search the records of credit reference or fraud prevention agencies to check your identity to prevent money laundering, unless you have furnished other satisfactory proof of identity.RIGHT OF SUBJECT ACCESS
Information held by us will be processed only for purposes for which we have registered under the Data Protection Act. Upon you making a request in writing we will provide you with a copy of the information which we hold concerning you on payment of a fee.PERSONAL DETAILS AND DATA PRIVACY
Your privacy is important to us, we have a strict confidentiality policy and do not share your contact details.The personal details which you submit to us (Personal Data) are held by Annuity Pathway for its own use. It is your responsibility to ensure that your Personal Data is accurate and up to date and to inform us of any changes that need to be made. Annuity Pathway may use the Personal Data for the purposes they have notified to the Information Commissioner's Office. By submitting your Personal Data you CONSENT to it being processed by Annuity Pathway.
CONTACT INFORMATION
Please address all queries through our contact form below. Only the trained advisers themselves can offer support. We do hope you understand that we cannot offer phone assistance before your enquiry is allocated to an adviser. You will, of course, receive a phone call from your personal adviser as soon as possible.To write to us or for webmaster enquiries, please click here. If urgent, use the form below to contact us and we will respond asap. Click here if you are an annuity professional.
Compare the top annuity providers
The difference between the best and worst annuity incomes can be very surprising. Please complete the confidential enquiry below. Your privacy is important to us, we do not share your contact details.
O Winter! ruler of the inverted year,... I crown thee king of intimate delights, Fireside enjoyments, home-born happiness, And all the comforts that the lowly roof Of undisturb'd Retirement, and the hours Of long uninterrupted evening, know. ~ William Cowper (1731 - 1800).
Ingard Independent Financial Management is regulated by the Financial Services Authority, covered by the Financial Ombudsman Service and Financial Services Compensation Scheme - details available on request.