&lt;h2&gt;ANNUITIES&lt;/h2&gt;
&lt;h3&gt;Annuities - make the right choice&lt;/h3&gt;

&lt;h3&gt;Once you commit to an annuity, you’re locked in for life. We can help you make the right choice.&lt;/h3&gt;
&lt;p&gt;An annuity is a retirement income paid to you, by an insurance company, for the rest of your life in exchange for your pensions savings.&lt;/p&gt;
&lt;p&gt;If you choose to purchase an annuity on retirement it is important to understand that the decision is irreversible. Therefore, it is very important that you review all options available to you on retirement to deliver the best outcome for you and your family.&lt;/p&gt;
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&lt;h2&gt;POST-RETIREMENT&lt;/h2&gt;
&lt;h3&gt;Annuities&lt;/h3&gt;
&lt;p&gt;Annuities provide a lifetime regular income, but the decision to purchase one can be complex. We can guide you through this important decision.&lt;/p&gt;

&lt;p&gt;An annuity is a retirement product that you can choose to buy at retirement. When you buy an annuity at retirement you use your pension savings to buy a lifetime income from an insurance company.&lt;/p&gt;

&lt;p&gt;Annuities offer a guaranteed income stream, shielding you from market risks and providing financial stability. making them an attractive option for those seeking peace of mind in retirement.&lt;/p&gt;

&lt;p&gt;You can choose an annuity that is paid for a minimum period e.g. 5 years or continues to be paid to your dependents when you die in retirement. This type of annuity is more expensive than an annuity that is paid for your lifetime only.&lt;/p&gt;

&lt;p&gt;You can choose an annuity that increases each year in line with inflation or increases by a fixed percentage. By choosing this type of annuity you are protected against inflation. However this type of annuity is more expensive than a flat annuity. Your initial income is smaller however, it will increase each year.&lt;/p&gt;

&lt;h2&gt;ANNUITIES&lt;/h2&gt;
&lt;h3&gt;Key benefits&lt;/h3&gt;
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&lt;h3&gt;Connect with a Unio expert&lt;/h3&gt;
&lt;p&gt;Tell us a bit about your needs and goals, and we will match you with an adviser with the right expertise.&nbsp;&lt;/p&gt;

&lt;h2&gt;AVERAGE LIFE EXPECTANCY&lt;/h2&gt;
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