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Retirement, Pension & Annuity Plans

Annuity decisions are usually permanent. The rate, option, spouse cover and return of purchase price all change your income for life. We compare annuity rates and options across insurers before you lock in.

Get quotes from top insurers, as per your need.

Who it suits

  • People retiring in the next few years
  • Retirees with a lumpsum seeking lifelong income
  • Couples wanting income for both lives
  • NPS subscribers choosing an annuity

Common mistakes

  • Choosing the highest rate without checking the option
  • Not covering the spouse
  • Locking the full amount at once
  • Ignoring tax on annuity income

What we check

  • Annuity rate across insurers for your age
  • Joint life and return of purchase price options
  • Deferred versus immediate income
  • Tax on annuity income as per current rules

Watch: Detailed Video Explanations

Pension & Annuity Plans: full playlist on YouTube

Frequently asked questions

Can I change the annuity option later?

Usually no. The option chosen at purchase generally applies for life, which is why comparison before purchase matters.

Is annuity income taxable?

Yes. Annuity income is added to your income and taxed as per your slab.

Ready for a Clear Decision?

Book a consultation and get quotes from top insurers, as per your need.

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