# 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.

Current Annuity Rates · https://currentannuityrates.co.uk/datasets/uk-annuity-rate-index/ · computed 2026-10-21

**Median published figure:** 7.75 % (range 7.45 to 8.19 %; 5 published figures; 3 of 17 sources read publish one).

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 |
|---|---|---|---|
| age 65 | 7.75 % | 7.5 to 8.19 % | 3 |
| shape 50% joint life, age 65 | 8.02 % | 8.02 to 8.02 % | 1 |
| shape 100% joint life, age 65 | 7.45 % | 7.45 to 7.45 % | 1 |

## Every figure, with its source

One row per source: the figure the source's own page publishes, the page, and the day it was read.

| Source | Figure | Breakdown | Read |
|---|---|---|---|
| [Retirement Line best annuity rates tables](https://www.retirementline.co.uk/annuities/annuity-rates) | 8.19 % | 65 | 2026-10-11 |
| [Retirement Line best annuity rates tables](https://www.retirementline.co.uk/annuities/annuity-rates) | 8.02 % | 50% joint life, age 65 | 2026-10-11 |
| [PensionHelper annuity rates by age](https://pension-helper.co.uk/guides/retirement-planning/annuity-rates-by-age/) | 7.75 % | 65 | 2026-10-15 |
| [Retirement Expert annuity rates](https://retirementexpert.co.uk/pension-drawdown/annuity-rates) | 7.5 % | 65 | 2026-10-15 |
| [Retirement Line best annuity rates tables](https://www.retirementline.co.uk/annuities/annuity-rates) | 7.45 % | 100% joint life, age 65 | 2026-10-11 |

## The sentence each figure was read from (5)

- [Retirement Line best annuity rates tables](https://www.retirementline.co.uk/annuities/annuity-rates), 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](https://www.retirementline.co.uk/annuities/annuity-rates), 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](https://pension-helper.co.uk/guides/retirement-planning/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](https://retirementexpert.co.uk/pension-drawdown/annuity-rates), read 2026-10-15: "Above 7.5% at 65 since start of 2025"
- [Retirement Line best annuity rates tables](https://www.retirementline.co.uk/annuities/annuity-rates), 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

- [Hargreaves Lansdown best buy annuity rates](https://www.hl.co.uk/retirement/annuities/best-buy-rates), read 2026-10-11: every candidate on the page was refused
- [Which? best annuity rates](https://www.which.co.uk/money/pensions-and-retirement/accessing-your-pensions/annuities/annuity-rates-aQGfH6W5n2rm), read 2026-10-11: every candidate on the page was refused
- [Sharing Pensions on a Legal & General rate move](https://www.sharingpensions.co.uk/annuity-rates-lower-legal-general-surprises-market.htm), read 2026-09-15: every candidate on the page was refused
- [PensionHelper best annuity provider UK](https://pension-helper.co.uk/guides/retirement-planning/best-annuity-provider-uk/), read 2026-09-15: every candidate on the page was refused
- [PensionHelper annuity rates forecast](https://pension-helper.co.uk/guides/retirement-planning/annuity-rates-forecast/), read 2026-09-15: every candidate on the page was refused
- [PensionHelper best joint-life annuity](https://pension-helper.co.uk/guides/retirement-planning/best-joint-life-annuity/), read 2026-09-15: read in full and no accepted figure on the page
- [UKCalculator annuity rates 2026](https://ukcalculator.com/annuity-rates-2026.html), read 2026-10-15: every candidate on the page was refused
- [UKCalculator annuity calculator](https://ukcalculator.com/annuity-calculator.html), read 2026-10-15: every candidate on the page was refused
- [Global Investments UK annuity market guide](https://www.globalinvestments.net/uk-pensions/guides/annuity-market-2026-guide), read 2026-10-15: every candidate on the page was refused
- [MoneyHelpdesk best UK annuity providers](https://www.moneyhelpdesk.com/financial-advice/pensions/how-pension-annuities-work/annuity-providers/), read 2026-09-15: every candidate on the page was refused
- [Legal & General pension annuity](https://www.legalandgeneral.com/retirement/pension-annuity/), read 2026-10-11: every candidate on the page was refused
- [Aviva pension annuity](https://www.aviva.co.uk/retirement/pension-annuity/), read 2026-10-11: every candidate on the page was refused
- [Aviva pension annuity calculator](https://www.aviva.co.uk/retirement/pension-annuity/pension-annuity-calculator/), read 2026-10-12: every candidate on the page was refused
- [Just Group](https://www.wearejust.co.uk/), 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

## Sources

- [Retirement Line best annuity rates tables](https://www.retirementline.co.uk/annuities/annuity-rates) (the publisher's own terms; quoted for reporting and comment)
- [Hargreaves Lansdown best buy annuity rates](https://www.hl.co.uk/retirement/annuities/best-buy-rates) (the publisher's own terms; quoted for reporting and comment)
- [Which? best annuity rates](https://www.which.co.uk/money/pensions-and-retirement/accessing-your-pensions/annuities/annuity-rates-aQGfH6W5n2rm) (the publisher's own terms; quoted for reporting and comment)
- [Sharing Pensions on a Legal & General rate move](https://www.sharingpensions.co.uk/annuity-rates-lower-legal-general-surprises-market.htm) (the publisher's own terms; quoted for reporting and comment)
- [PensionHelper annuity rates by age](https://pension-helper.co.uk/guides/retirement-planning/annuity-rates-by-age/) (the publisher's own terms; quoted for reporting and comment)
- [PensionHelper best annuity provider UK](https://pension-helper.co.uk/guides/retirement-planning/best-annuity-provider-uk/) (the publisher's own terms; quoted for reporting and comment)
- [PensionHelper annuity rates forecast](https://pension-helper.co.uk/guides/retirement-planning/annuity-rates-forecast/) (the publisher's own terms; quoted for reporting and comment)
- [PensionHelper best joint-life annuity](https://pension-helper.co.uk/guides/retirement-planning/best-joint-life-annuity/) (the publisher's own terms; quoted for reporting and comment)
- [Retirement Expert annuity rates](https://retirementexpert.co.uk/pension-drawdown/annuity-rates) (the publisher's own terms; quoted for reporting and comment)
- [UKCalculator annuity rates 2026](https://ukcalculator.com/annuity-rates-2026.html) (the publisher's own terms; quoted for reporting and comment)
- [UKCalculator annuity calculator](https://ukcalculator.com/annuity-calculator.html) (the publisher's own terms; quoted for reporting and comment)
- [Global Investments UK annuity market guide](https://www.globalinvestments.net/uk-pensions/guides/annuity-market-2026-guide) (the publisher's own terms; quoted for reporting and comment)
- [MoneyHelpdesk best UK annuity providers](https://www.moneyhelpdesk.com/financial-advice/pensions/how-pension-annuities-work/annuity-providers/) (the publisher's own terms; quoted for reporting and comment)
- [Legal & General pension annuity](https://www.legalandgeneral.com/retirement/pension-annuity/) (the publisher's own terms; quoted for reporting and comment)
- [Aviva pension annuity](https://www.aviva.co.uk/retirement/pension-annuity/) (the publisher's own terms; quoted for reporting and comment)
- [Aviva pension annuity calculator](https://www.aviva.co.uk/retirement/pension-annuity/pension-annuity-calculator/) (the publisher's own terms; quoted for reporting and comment)
- [Scottish Widows guaranteed income (annuities)](https://www.scottishwidows.co.uk/retirement/retirement-options/your-pension-options/guaranteed-income.html) (the publisher's own terms; quoted for reporting and comment)
- [Scottish Widows individual annuities (adviser)](https://adviser.scottishwidows.co.uk/products/annuities/individual-annuities.html) (the publisher's own terms; quoted for reporting and comment)
- [Canada Life annuities](https://www.canadalife.co.uk/retirement/annuities/) (the publisher's own terms; quoted for reporting and comment)
- [Standard Life annuity](https://www.standardlife.co.uk/retirement/annuity) (the publisher's own terms; quoted for reporting and comment)
- [Just Group](https://www.wearejust.co.uk/) (the publisher's own terms; quoted for reporting and comment)
- [CompareMore latest UK annuity rates](https://www.comparemore.com/pension-annuity/latest-uk-annuity-rates) (the publisher's own terms; quoted for reporting and comment)
- [PensionEstimate annuity calculator](https://pensionestimate.uk/annuity-calculator) (the publisher's own terms; quoted for reporting and comment)

## Cite or embed

- 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/.

CSV: https://currentannuityrates.co.uk/datasets/uk-annuity-rate-index.csv
JSON: https://currentannuityrates.co.uk/datasets/uk-annuity-rate-index.json
Embed (plain HTML, static link back): see https://currentannuityrates.co.uk/datasets/uk-annuity-rate-index/#median