Average GIfL Rates

Sustainable Income is Achievable

A personalised Guaranteed Income for Life (GIfL), provided by a pension annuity, offers a sustainable, competitive rate of retirement income, whilst removing the risk of running out of money.

Below are a range of example rates* (averaged between June 2021 to November 2021), for someone who is healthy, also a person with a common lifestyle condition and lastly someone with a more severe medical condition.


  Healthy Respiratory Stroke related 
65 4.54% 4.86% 6.39%
70 5.32% 5.58% 6.72%
75 6.17% 6.63% 7.25%


When compared to cash and bonds, a GIfL can provide higher rates of income, and compared to equities, removes volatility and longevity risk, and delivers certainty.

If your client needs to draw an income from their retirement investment portfolio, and is concerned about sustainability, then a personalised GIfL could be the answer.


*Based on an individual with a fund value of £100,000. An annuity being payable monthly in advance, no dependant’s pension, no escalation, 10 year guarantee period, no value protection. Rates taken from Just, and cover June 2021 to November 2021.
Healthy Life – post code only.
Respiratory – Chronic Obstructive Pulmonary Disease, diagnosed 13 years ago, lung function minimally impaired, hospitalised two years ago, takes one medication.
Stroke related – two CVAs in the past five years, ongoing problems, takes one medication, activities of daily living affected.