Best annuity rates UK: UK Annuity Rate Index
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.
The median is up 0.12 percent since 26 September 2026 (was 7.62 percent across 2).
By age and shape
| Breakdown | Median | Range | Sources |
|---|---|---|---|
| age65 | 7.75% | 7.5 to 8.19% | 3 |
| shape50% joint life, age 65 | 8.02% | 8.02 to 8.02% | 1 |
| shape100% joint life, age 65 | 7.45% | 7.45 to 7.45% | 1 |
Every figure, with its source
One row per published figure: the figure as the source's own page publishes it, the page, and the day it was read. A figure that is not on a page we read is not on this one.
| Source | Figure | Breakdown | Read |
|---|---|---|---|
| Retirement Line best annuity rates tables | 8.19% | 65 | 2026-10-11 |
| Retirement Line best annuity rates tables | 8.02% | 50% joint life, age 65 | 2026-10-11 |
| PensionHelper annuity rates by age | 7.75% | 65 | 2026-10-15 |
| Retirement Expert annuity rates | 7.5% | 65 | 2026-10-15 |
| Retirement Line best annuity rates tables | 7.45% | 100% joint life, age 65 | 2026-10-11 |
The sentence each figure was read from (5)
- Retirement Line best annuity rates tables, read 2026-10-11:
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.
- Retirement Line best annuity rates tables, read 2026-10-11:
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.
- PensionHelper annuity rates by age, read 2026-10-15:
65 ~7.75% (best buy ~8.36%) ~£7,750/yr ~£15,500/yr
- Retirement Expert annuity rates, read 2026-10-15:
Above 7.5% at 65 since start of 2025
- Retirement Line best annuity rates tables, read 2026-10-11:
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.
Read in full, publishes no figure
14 named sources were read in full on the dates shown and print no usable figure. They are counted, never filled in.
- Hargreaves Lansdown best buy annuity rates, read 2026-10-11: every candidate on the page was refused
- Which? best annuity rates, read 2026-10-11: every candidate on the page was refused
- Sharing Pensions on a Legal & General rate move, read 2026-09-15: every candidate on the page was refused
- PensionHelper best annuity provider UK, read 2026-09-15: every candidate on the page was refused
- PensionHelper annuity rates forecast, read 2026-09-15: every candidate on the page was refused
- PensionHelper best joint-life annuity, read 2026-09-15: read in full and no accepted figure on the page
- UKCalculator annuity rates 2026, read 2026-10-15: every candidate on the page was refused
- UKCalculator annuity calculator, read 2026-10-15: every candidate on the page was refused
- Global Investments UK annuity market guide, read 2026-10-15: every candidate on the page was refused
- MoneyHelpdesk best UK annuity providers, read 2026-09-15: every candidate on the page was refused
- Legal & General pension annuity, read 2026-10-11: every candidate on the page was refused
- Aviva pension annuity, read 2026-10-11: every candidate on the page was refused
- Aviva pension annuity calculator, read 2026-10-12: every candidate on the page was refused
- Just Group, read 2026-10-11: read in full and no accepted figure on the page
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
146 candidate sentences on these pages were refused by a reviewer; each refusal and its reason is recorded in the review ledger.
Sources (23)
- Retirement Line best annuity rates tables(the publisher's own terms; quoted for reporting and comment)
- Hargreaves Lansdown best buy annuity rates(the publisher's own terms; quoted for reporting and comment)
- Which? best annuity rates(the publisher's own terms; quoted for reporting and comment)
- Sharing Pensions on a Legal & General rate move(the publisher's own terms; quoted for reporting and comment)
- PensionHelper annuity rates by age(the publisher's own terms; quoted for reporting and comment)
- PensionHelper best annuity provider UK(the publisher's own terms; quoted for reporting and comment)
- PensionHelper annuity rates forecast(the publisher's own terms; quoted for reporting and comment)
- PensionHelper best joint-life annuity(the publisher's own terms; quoted for reporting and comment)
- Retirement Expert annuity rates(the publisher's own terms; quoted for reporting and comment)
- UKCalculator annuity rates 2026(the publisher's own terms; quoted for reporting and comment)
- UKCalculator annuity calculator(the publisher's own terms; quoted for reporting and comment)
- Global Investments UK annuity market guide(the publisher's own terms; quoted for reporting and comment)
- MoneyHelpdesk best UK annuity providers(the publisher's own terms; quoted for reporting and comment)
- Legal & General pension annuity(the publisher's own terms; quoted for reporting and comment)
- Aviva pension annuity(the publisher's own terms; quoted for reporting and comment)
- Aviva pension annuity calculator(the publisher's own terms; quoted for reporting and comment)
- Scottish Widows guaranteed income (annuities)(the publisher's own terms; quoted for reporting and comment)
- Scottish Widows individual annuities (adviser)(the publisher's own terms; quoted for reporting and comment)
- Canada Life annuities(the publisher's own terms; quoted for reporting and comment)
- Standard Life annuity(the publisher's own terms; quoted for reporting and comment)
- Just Group(the publisher's own terms; quoted for reporting and comment)
- CompareMore latest UK annuity rates(the publisher's own terms; quoted for reporting and comment)
- PensionEstimate annuity calculator(the publisher's own terms; quoted for reporting and comment)
Cite or embed this figure
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).
Cite as: "currentannuityrates.co.uk UK Annuity Rate Index", updated 2026-10-21, https://currentannuityrates.co.uk/datasets/uk-annuity-rate-index/.
Download the CSV (5 rows, computed 2026-10-21)
Questions this data answers
What income does £100,000 buy today, by age, shape and provider - and who is best this week?
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.
What is the published figure for 65 in the UK Annuity Rate Index?
For 65, the median published figure is 7.75% across 3 figures from the sources' own pages, from 7.5% to 8.19%, read 15 Oct 2026.
Where do the figures in the UK Annuity Rate Index come from?
Every figure is quoted from its source's own page and dated (last read 15 Oct 2026). 17 named sources were read and 3 publish a figure; the 14 that publish none are recorded as not published, never estimated.