Get your best annuity rate in minutes
Turn your pension into a guaranteed income. Compare quotes on screen, then apply online or talk to an expert.
- Whole of marketEvery major UK annuity provider, side by side
- A dedicated expertCall or message any time. No sales calls.
- No fee to payWe're paid by the provider you choose.
Your health could mean a higher income
Nearly half of all annuities sold in the UK are on enhanced terms, which pay more to people with health conditions or lifestyle factors such as high blood pressure, diabetes or smoking.
FCA retirement income market data, 2024/25.
From quick quote to guaranteed income, all on screen
Everything happens at your pace. Your progress is saved.
Real quotes, your pace, expert help on your terms
Quotes in seconds, not callbacks
Quick quotes in about 30 seconds, personalised quotes in under 10 minutes. All on screen.
A dedicated expert
Book a free call or send a message whenever you want help. We don't make sales calls.
Whole of market
Live quotes from every major UK annuity provider, side by side.
No fee to pay
Quotes and expert help are free, with no obligation. If you buy an annuity, we're paid commission by your chosen provider.
Rated Excellent on Trustpilot
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Helpful and relatively easy to complete
Went through the form filling in myself and although lengthy it was fairly straightforward to complete. This was then followed up by a phone call from Pension Potential to complete the process and commence set up of my annuity with the chisen third party.
- Verified
Dawn made everything simple
Dawn has been so helpful and attentive throughout the whole process. Explaining the intricacies of the pension minefield in layman's terms. I would highly recommend. Thank you.
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Pension potential forms
Everything was made that much easier to complete thank to the help I received off Dawn Toma clarifying everything I needed to know with completing my pension application thank you
Frequently asked questions
What is an annuity?
An annuity turns some or all of your pension pot into a guaranteed income. Most people buy one for life, so it keeps paying however long you live. You can also buy one for a fixed term.
Once an annuity is set up it usually can't be changed or cancelled, which is why comparing the whole market first matters.
Will I see my quotes straight away?
Yes. Your quick quotes appear on screen in about 30 seconds, with no sign-up. Personalised quotes, which take your health and lifestyle into account, take less than 10 minutes to request and also appear on screen.
Can I talk to someone?
Yes, any time and for free. Book a call with one of our annuities consultants at a time that suits you, or email us at hello@whistleforadvice.co.uk. There's no obligation.
Will you call me?
We don't make sales calls. You can get and compare your quotes entirely online. If you apply, we will sometimes need to speak to you to progress your application. When that happens, we'll ask you to book a call with your dedicated expert at a time that suits you.
How much does it cost?
Helping you understand your options and get quotes, however long it takes, comes at no charge and with no obligation to use our service. If we arrange an annuity for you, we receive commission from your chosen provider, which is taken into account in calculating your annuity rate.
Is this financial advice?
No. This is guidance, not advice. We compare annuity quotes from the whole market and you choose. We don't recommend a particular product or provider.
Which providers do you compare?
We ask every major UK annuity provider for a quote at the same time, including Aviva, Canada Life, Just, Legal & General, LV=, Scottish Widows and Standard Life. If a provider declines to quote, we show you that too.
Why do you ask about my health?
Providers may pay a higher income to people with certain health conditions or lifestyle factors. We only ask with your explicit permission, use the information only to get your quotes, and share it only with the providers quoting.
How long are quotes guaranteed for?
Each provider guarantees its quote for a set period, shown next to the quote. That gives you time to think it over before you apply.
Where else can I get help?
Pension Wise, from MoneyHelper, offers free, impartial guidance on your pension options. You can book an appointment at moneyhelper.org.uk or by calling 0800 138 3944.
See what your pension pot could pay you
Quick quotes in 30 seconds. No sign-up, no sales calls, no obligation.