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With Profits Pension Annuity

What are the options?

The options you choose when you take out your With Profits Pension Annuity will affect the amount of pension income you'll get. Generally, the more options you add, the lower your income in retirement will be.

You can get a personal illustration so that you can see the difference the various options would make to your pension income.

What are the options?

  • Dependant's pension. You can choose a dependant to continue to receive an income after you die and also choose whether this is paid at the same level as your pension income or lower.
  • Guaranteed period. Aviva offers a minimum one year guarantee period as standard, however you can choose a longer guarantee period of up to 10 years. If you die after 90 days but within your guarantee period, we will continue to make annuity payments to your estate or dependants until the end of that period. However, this does not apply if your annuity was purchased for you by the trustees of a defined benefit pension scheme.
  • Payment options. Your income can be paid monthly or yearly, either:
    • In advance. This means that payment of your pension income will be from the start date.
    • Or in arrears. This means that payment will be one month or year after the start date, depending on your chosen payment frequency.

How to apply

If you think that our With Profits Pension Annuity is right for you, find out more about how to apply. If you need help deciding which annuity or options are most suitable for you, or if you'd like information on other providers' products, you should talk to a financial adviser. If you don't already have an adviser, you can find one in your area at

Want to find out more?

Our team will be happy to give you a personal illustration with different options so that you can see the difference they make to your income.

Call us on 0800 068 3038*

*Lines are open Monday to Friday 9.00am - 5.00pm. Calls may be recorded and/or monitored.

WC01032 10/2014

Contact us

For new policy enquiries or information on our products please call

0800 068 3038

Monday to Friday
9.00am - 5.00pm

For our joint protection, telephone calls may be recorded and/or monitored.

Or, arrange for us to call you back at a convenient time.

Existing Customers

If you are an existing Annuities customer, please call

0800 068 6800

Monday to Friday
8.30am - 5.30pm
8.30am - 2.00pm

For our joint protection, telephone calls may be recorded and/or monitored


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