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  1. Overview
  2. In detail
  3. FAQs
  4. What to do next

Annuities overview

Could you benefit from an enhanced annuity?
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Next steps

You may be at the point of retiring or just reducing the amount of time you are at work. If so, you may want to access the pension you have built up and convert it into an income. A popular way to do this is to buy an annuity, which is a type of policy that provides you with a regular income for life.

Benefits of a Scottish Widows Enhanced Annuity

  • A Scottish Widows Enhanced Annuity offers a level of guaranteed income which takes into account your health and lifestyle.
  • You might get a higher level of income if you have a medical condition or lifestyle that could reduce your life expectancy. Even if you think you’re healthy, if you’re a smoker, overweight or taking any medication you could receive a higher income than a standard annuity.

The level of income you receive from your pension plan will depend upon a number of factors including the value of the plan when you decide to take your pension, which isn’t guaranteed and can go down as well as up.

In detail