The Best Quote Guarantee is offered by our selected annuity specialists and is subject to their terms and conditions:

• Applicable to defined contribution (money purchase) benefits only, excluding those with a guaranteed annuity rate, guaranteed minimum pension or underpinned by any form of defined benefit.

• Minimum fund size £30,000 after tax-free cash.

• The alternative annuity rate must be in the form of a guaranteed, underwritten annuity quote, of which, evidence must be provided by sending a copy of the provider’s actual quote either by post, fax or by email in the form of a scanned or electronic copy.

• The alternative annuity rate must be based on exactly the same annuity options.

• A copy of all medical/lifestyle information must be provided to confirm quotations are on a “like for like” basis.

• Our selected annuity specialists must be given an opportunity to beat the alternative annuity rate at the point of claim.

• The higher annuity quotation must be less than five days old.

• The Best Quote Guarantee cannot be used in addition to any similar guarantees from other related parties.

• This offer is valid until 31st December 2025. Our selected annuity specialists reserve the right to vary, withdraw or extend this offer at any time.

In cases where the above conditions are met, and yet our selected annuity specialists still cannot beat the comparable annuity rate, they will send you a £250 M&S voucher. By receiving this voucher, you are in no way committed to using their service.