annuities for Ex-Pats In Australia

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Full UK annuity and pension options for UK Nationals now living in Australia

Spring 2020

Please note: Currently we are unaware of any UK pension provider who is offering annuities to ex-pats. We are able to offer ex-pats a flexi access drawdown product, but this will not give you the guaranteed income for life that is a standard feature of an annuity. As such, it may not be suitable for some people. We would recommend that you contact your existing UK pension provider as some be able to offer annuities to existing clients. However the amount they offer may not be as much as you would have received if you could have placed your pension fund on the open market for an annuity.

Most Ten Pound Poms are now well into retirement, but if you have moved to Australia in the last 20 years there is a good chance that you may still have money invested in a UK Pension fund. In such a case we are ideally placed and have the experience to help you possible take a tax free sum and a retirement income.
What we do, and how we do it
  Annuities for Ex-Pats in Australia
  By using email and telephone (UK Hours only!!) we can provide you with quotes and information on the retirement product of your choice. There is no charge for this service and there is no obligation to use us.
  Tax Free Cash Only
  If you only want to release your Tax Free Lump sum from your pension we provide full quotes and information on how to achieve your goal. If you have 5 year or more to go before you retire we can even get you guaranteed growth on the rest of your fund. If you are taxed in Australia you should check whether they will tax you on any lump sum (see below).
  Income Drawdown
  Income Drawdown is becoming a more popular product as in some circumstances it may give a customer more control and benefits than a conventional annuity. We should be able to transfer your UK pension to a drawdown contract and help you manage it.
  Impaired Annuities
  You may qualify for an enhanced or impaired annuity even in Australia. It may taker a little longer to set up your annuity given the additional complication. An insurer may require further evidence to be provided which may be at your expense.
  Personalised Information Pack
  Every customer who requests a quote gets a free information pack, that explains everything you need to know about your selected transaction. There is no obligation on you to do business with us. Using email your pack can be with you within 24 hours.
  Payment into either a UK bank or a local bank if you prefer
  We can arrange for you to be paid in either Sterling, or whatever the local currency happens to be. There is no need for you to have a UK bank account. If you have a bank account with ANZ, most UK annuity providers will be happy to pay into it.
  Knowledgeable People to Talk To
  Our efficient and friendly staff will answer all your questions in easy to understand language. You are always in control of the transaction and there is no obligation on you to do business with us.
  10 out of 10 Service
  We constantly receive excellent customer feedback with well over 80% of our customers scoring us 10 out of 10. But don't take our word for it .......
As part of our commitment to excellent customer service we will provide for every customer a bespoke quote and a personalised information pack, containing over 20 pages, which explains everything you need to know about your annuity or income drawdown contract

Including :

Taking a Tax Free Pension Lump Sum
Risks and Benefits
Full Product Features
GAD Rates *
Fund Management *
Tax & Death Benefits
Get your FREE quote and pack sent direct to your email account, by completing our on-line form.
FREE Quotes and Information Pack
* Income Drawdown Only 

Annuities for British People Living In Oz

While you have made a new life for yourself in Australia, you may still have an existing pension plan in the UK which you will need to access in line with the pension rules applicable under UK law. This is where we come in.

We can help you manage your UK pension from the luxury of your own home. As long as you have access to an internet account and a telephone we can provide you with quotes and an information pack in no time at all. Given the time delay between the United Kingdom and Australia we would hope to keep telephone contact to a minimum ! But we are available if you want us - During UK office hours !

We can offer all the usual products such as standard and impaired annuities, Income Drawdown, Temporary annuities, With-Profits Annuities and Flexible Drawdown. Obviously the fact you now live in Australia and your other circumstances may cause some of the products to be limited.

It may be possible to just take a lump sum from your pension fund and leave the rest invested until you come to retire. It is not for us to provide you with reasons why you should or should not take a lump sum from your pension before retirement. Remember the fund is intended to provide you with money when you have stopped working. Therefore if you do release it, make sure it is for a good financial benefit. If you want to use it to buy a wardrobe to match Matt Preston's it is most probably a poor decision !!

If you are about to retire and want to realise the highest possible income from your pension, then we are ideally placed to help you.

Whatever your circumstances we can help you. We do all the administration work for you and keep you informed of progress every step of the way.

Australian Annuities - What We Do

It should still be possible to obtain enhanced annuities even for customers in Australia. BY working with you to present a full medical history to the underwriters, we should be able to identify if you do qualify for an impaired annuity and the enhancement you are likely to receive. At this stage you can decide if you want to progress the situation. The underwriter may require evidence of your situation. This may require you obtaining and providing professional medical evidence before the application is accepted. This is likely to be at your own expense, but the cost may be worth it, given the extra income you could receive.

Currently it is not possible to offer Smoker Only annuities to customers in Australia. This is down to the relative difficulty of getting evidence to an underwriter.

If you decide to do business with us we will do all the pension administration work for you, including completing all the forms required by your existing pension provider and your new provider. We will check with the various providers that progress is being made and keep you updated throughout. As the feedback from our customers demonstrates, you can sit back and relax while we do all the work for you.

The United Kingdom and Australia have a Double Tax Convention, which means that you are only taxed in one country for all of your worldwide assets and income. You should be aware that the tax status of UK products may not apply in another jurisdiction.

Annuities For Brits in Australia - What you have to do

If you have decided that now is the time to take benefits form your pension then just click one of the quote buttons that appear on this page. That will enable you to put your details into one of our request forms where we will get all the information we require to start to provide you with information.

There are a number of features that you may want to include within your retirement product. It should be remembered that as you add features to your annuity, the amount paid in monthly income is likely to go down, but you may consider some features too important to leave out.

Depending on your circumstances we may need your co-operation in completing some aspects of the transaction. If you have a UK bank account and still have a property in the UK then you may need to do nothing extra.

In some circumstances you may need to present yourself and some standard documents to a local Notarie, Solicitor or other recognised Legal professional who can verify your identity.

Annuity Rates

It is a standard feature of pension annuities that the place where you live can have an influence on the annuity rate you will receive. This applies to annuities in the United Kingdom as well as other countries.

While the annuity providers will not give you a lower simply because you now live in Australia, you should remember that if you are now retired in an idyllic countryside location you may get a lower rate as the underwriter may consider that your life expectancy is significantly greater than somebody who lives in the center of a city - How bad that ? or Bonzer - as the locals would say !


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