{ "name": "currentannuityrates.co.uk UK Annuity Rate Index", "title": "UK Annuity Rate Index", "url": "https://currentannuityrates.co.uk/datasets/uk-annuity-rate-index/", "csv": "https://currentannuityrates.co.uk/datasets/uk-annuity-rate-index.csv", "markdown": "https://currentannuityrates.co.uk/datasets/uk-annuity-rate-index/index.md", "computed_at": "2026-10-21", "license": "https://currentannuityrates.co.uk/terms", "headline": "The median published figure in the UK Annuity Rate Index is 7.75 percent across 5 figures from 3 sources' own pages (range 7.45 to 8.19 percent), read 15 October 2026.", "quotes": [ "The median published figure in the UK Annuity Rate Index is 7.75 percent across 5 figures from 3 sources' own pages (range 7.45 to 8.19 percent), read 15 October 2026.", "3 of the 17 named sources read in full publish a figure; 14 publish none, read 15 October 2026.", "UK Annuity Rate Index, age 65: median 7.75 percent across 3 sources, read 15 October 2026.", "UK Annuity Rate Index, shape 50% joint life, age 65: median 8.02 percent across 1 source, read 15 October 2026.", "UK Annuity Rate Index, shape 100% joint life, age 65: median 7.45 percent across 1 source, read 15 October 2026.", "The median is up 0.12 percent since 26 September 2026 (was 7.62 percent across 2)." ], "citation": "\"currentannuityrates.co.uk UK Annuity Rate Index\", updated 2026-10-21, https://currentannuityrates.co.uk/datasets/uk-annuity-rate-index/.", "changed_since": { "since": "2026-09-26", "previous_median": 7.625, "delta": 0.125, "direction": "up", "sentence": "The median is up 0.12 percent since 26 September 2026 (was 7.62 percent across 2)." }, "national": { "unit": "%", "n": 5, "median": 7.75, "min": 7.45, "max": 8.19, "p25": 7.475, "p75": 8.105, "mean": 7.782, "units": { "%": 5 }, "published_sources": 3, "named_sources": 23, "read_sources": 17, "not_published": 14, "published_share": 0.176 }, "by_axis": { "age": { "65": { "%": { "n": 3, "median": 7.75, "min": 7.5, "max": 8.19, "p25": 7.5, "p75": 8.19, "mean": 7.8133 } } }, "shape": { "50% joint life, age 65": { "%": { "n": 1, "median": 8.02, "min": 8.02, "max": 8.02, "p25": 8.02, "p75": 8.02, "mean": 8.02 } }, "100% joint life, age 65": { "%": { "n": 1, "median": 7.45, "min": 7.45, "max": 7.45, "p25": 7.45, "p75": 7.45, "mean": 7.45 } } } }, "rows": [ { "source": "PensionHelper annuity rates by age", "url": "https://pension-helper.co.uk/guides/retirement-planning/annuity-rates-by-age/", "figure": "7.75%", "value": 7.75, "unit": "%", "vat": null, "axis": { "age": "65" }, "retrieved_at": "2026-10-15", "quote": "65 ~7.75% (best buy ~8.36%) ~£7,750/yr ~£15,500/yr", "source_class": "primary-provider-own-site", "text_sha256": "281d6e139a0915bf4144202c189a6fa4b1013af771815791ff19391b99a8557e" }, { "source": "Retirement Expert annuity rates", "url": "https://retirementexpert.co.uk/pension-drawdown/annuity-rates", "figure": "7.5%", "value": 7.5, "unit": "%", "vat": null, "axis": { "age": "65" }, "retrieved_at": "2026-10-15", "quote": "Above 7.5% at 65 since start of 2025", "source_class": "primary-provider-own-site", "text_sha256": "05cbb5e8b97748340493aa97dd52278d03dc5290790445633a4770209a780a69" }, { "source": "Retirement Line best annuity rates tables", "url": "https://www.retirementline.co.uk/annuities/annuity-rates", "figure": "8.19%", "value": 8.19, "unit": "%", "vat": null, "axis": { "age": "65" }, "retrieved_at": "2026-10-11", "quote": "The current best single life annuity rate for a 65-year-old is 8.19% from Standard Life, which is 0.16% higher than the best rate in September.", "source_class": "primary-provider-own-site", "text_sha256": "61b5018ef879455cb315734653991543d6a6020603f8f6e90fbd70b49ce15bb7" }, { "source": "Retirement Line best annuity rates tables", "url": "https://www.retirementline.co.uk/annuities/annuity-rates", "figure": "8.02%", "value": 8.02, "unit": "%", "vat": null, "axis": { "shape": "50% joint life, age 65" }, "retrieved_at": "2026-10-11", "quote": "The current best 50% joint life annuity rate for a 65-year-old is 8.02% from Scottish Widows, which is 0.10% higher than the best rate in September.", "source_class": "primary-provider-own-site", "text_sha256": "61b5018ef879455cb315734653991543d6a6020603f8f6e90fbd70b49ce15bb7" }, { "source": "Retirement Line best annuity rates tables", "url": "https://www.retirementline.co.uk/annuities/annuity-rates", "figure": "7.45%", "value": 7.45, "unit": "%", "vat": null, "axis": { "shape": "100% joint life, age 65" }, "retrieved_at": "2026-10-11", "quote": "The current best 100% joint life annuity rate for a 65-year-old is 7.45% from Scottish Widows which is 0.10% higher than the best rate in September.", "source_class": "primary-provider-own-site", "text_sha256": "61b5018ef879455cb315734653991543d6a6020603f8f6e90fbd70b49ce15bb7" } ], "not_published": [ { "source": "Hargreaves Lansdown best buy annuity rates", "url": "https://www.hl.co.uk/retirement/annuities/best-buy-rates", "retrieved_at": "2026-10-11", "reason": "every candidate on the page was refused" }, { "source": "Which? best annuity rates", "url": "https://www.which.co.uk/money/pensions-and-retirement/accessing-your-pensions/annuities/annuity-rates-aQGfH6W5n2rm", "retrieved_at": "2026-10-11", "reason": "every candidate on the page was refused" }, { "source": "Sharing Pensions on a Legal & General rate move", "url": "https://www.sharingpensions.co.uk/annuity-rates-lower-legal-general-surprises-market.htm", "retrieved_at": "2026-09-15", "reason": "every candidate on the page was refused" }, { "source": "PensionHelper best annuity provider UK", "url": "https://pension-helper.co.uk/guides/retirement-planning/best-annuity-provider-uk/", "retrieved_at": "2026-09-15", "reason": "every candidate on the page was refused" }, { "source": "PensionHelper annuity rates forecast", "url": "https://pension-helper.co.uk/guides/retirement-planning/annuity-rates-forecast/", "retrieved_at": "2026-09-15", "reason": "every candidate on the page was refused" }, { "source": "PensionHelper best joint-life annuity", "url": "https://pension-helper.co.uk/guides/retirement-planning/best-joint-life-annuity/", "retrieved_at": "2026-09-15", "reason": "read in full and no accepted figure on the page" }, { "source": "UKCalculator annuity rates 2026", "url": "https://ukcalculator.com/annuity-rates-2026.html", "retrieved_at": "2026-10-15", "reason": "every candidate on the page was refused" }, { "source": "UKCalculator annuity calculator", "url": "https://ukcalculator.com/annuity-calculator.html", "retrieved_at": "2026-10-15", "reason": "every candidate on the page was refused" }, { "source": "Global Investments UK annuity market guide", "url": "https://www.globalinvestments.net/uk-pensions/guides/annuity-market-2026-guide", "retrieved_at": "2026-10-15", "reason": "every candidate on the page was refused" }, { "source": "MoneyHelpdesk best UK annuity providers", "url": "https://www.moneyhelpdesk.com/financial-advice/pensions/how-pension-annuities-work/annuity-providers/", "retrieved_at": "2026-09-15", "reason": "every candidate on the page was refused" }, { "source": "Legal & General pension annuity", "url": "https://www.legalandgeneral.com/retirement/pension-annuity/", "retrieved_at": "2026-10-11", "reason": "every candidate on the page was refused" }, { "source": "Aviva pension annuity", "url": "https://www.aviva.co.uk/retirement/pension-annuity/", "retrieved_at": "2026-10-11", "reason": "every candidate on the page was refused" }, { "source": "Aviva pension annuity calculator", "url": "https://www.aviva.co.uk/retirement/pension-annuity/pension-annuity-calculator/", "retrieved_at": "2026-10-12", "reason": "every candidate on the page was refused" }, { "source": "Just Group", "url": "https://www.wearejust.co.uk/", "retrieved_at": "2026-10-11", "reason": "read in full and no accepted figure on the page" } ], "sources": [ { "url": "https://www.retirementline.co.uk/annuities/annuity-rates", "label": "Retirement Line best annuity rates tables", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.hl.co.uk/retirement/annuities/best-buy-rates", "label": "Hargreaves Lansdown best buy annuity rates", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.which.co.uk/money/pensions-and-retirement/accessing-your-pensions/annuities/annuity-rates-aQGfH6W5n2rm", "label": "Which? best annuity rates", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.sharingpensions.co.uk/annuity-rates-lower-legal-general-surprises-market.htm", "label": "Sharing Pensions on a Legal & General rate move", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://pension-helper.co.uk/guides/retirement-planning/annuity-rates-by-age/", "label": "PensionHelper annuity rates by age", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://pension-helper.co.uk/guides/retirement-planning/best-annuity-provider-uk/", "label": "PensionHelper best annuity provider UK", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://pension-helper.co.uk/guides/retirement-planning/annuity-rates-forecast/", "label": "PensionHelper annuity rates forecast", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://pension-helper.co.uk/guides/retirement-planning/best-joint-life-annuity/", "label": "PensionHelper best joint-life annuity", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://retirementexpert.co.uk/pension-drawdown/annuity-rates", "label": "Retirement Expert annuity rates", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://ukcalculator.com/annuity-rates-2026.html", "label": "UKCalculator annuity rates 2026", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://ukcalculator.com/annuity-calculator.html", "label": "UKCalculator annuity calculator", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.globalinvestments.net/uk-pensions/guides/annuity-market-2026-guide", "label": "Global Investments UK annuity market guide", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.moneyhelpdesk.com/financial-advice/pensions/how-pension-annuities-work/annuity-providers/", "label": "MoneyHelpdesk best UK annuity providers", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.legalandgeneral.com/retirement/pension-annuity/", "label": "Legal & General pension annuity", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.aviva.co.uk/retirement/pension-annuity/", "label": "Aviva pension annuity", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.aviva.co.uk/retirement/pension-annuity/pension-annuity-calculator/", "label": "Aviva pension annuity calculator", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.scottishwidows.co.uk/retirement/retirement-options/your-pension-options/guaranteed-income.html", "label": "Scottish Widows guaranteed income (annuities)", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://adviser.scottishwidows.co.uk/products/annuities/individual-annuities.html", "label": "Scottish Widows individual annuities (adviser)", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.canadalife.co.uk/retirement/annuities/", "label": "Canada Life annuities", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.standardlife.co.uk/retirement/annuity", "label": "Standard Life annuity", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.wearejust.co.uk/", "label": "Just Group", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.comparemore.com/pension-annuity/latest-uk-annuity-rates", "label": "CompareMore latest UK annuity rates", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://pensionestimate.uk/annuity-calculator", "label": "PensionEstimate annuity calculator", "license": "the publisher's own terms; quoted for reporting and comment" } ], "methodology": "Every row is a verbatim sentence read from the named source's own page through our fetch service on the date shown, hash-pinned to the stored read (the sha of the page's visible text; the raw page is mirrored to R2). 3 of the 17 named sources that could be read published a usable figure; 14 published none and are recorded as not published, never filled in; 6 could not be read (blocked, dead or unreachable) and count nowhere. The headline figures (median, minimum, maximum, quartiles) are over ONE figure per source for each breakdown it prices, in % (a source's median where its page yielded several accepted sentences for one breakdown), so a page that gives figures for several breakdowns gives one for each and N counts 5 figures, never sentences; 146 candidate sentence(s) were refused by a reviewer with the reason recorded. The fuller derivation this dataset is chartered to grow into (not yet what the figures above are; they are each source's own published figure as read): the median, best and worst published rate ACROSS every publisher that dates one, by age, by shape (level, RPI-linked, escalating, joint-life, enhanced) and by guarantee period - with the best-versus-median GAP as the headline, because that gap is what shopping around is worth and it is the one figure no single provider or broker publishes; plus repriced-since the last read, which on this product is news", "embed": "

7.75 percent

median published figure, UK Annuity Rate Index, across 3 sources, read 15 October 2026

Source: currentannuityrates.co.uk UK Annuity Rate Index
" }