Annuities - Unsuitable product
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If you have a complaint related to an annuity, use Resolver to raise and manage the complaint. This means that, if you are not satisfied after eight weeks, Resolver will remind you that you can escalate your complaint to the Financial Ombudsman Service.
An annuity is the technical term for the annual income paid by a product provider to someone who has taken out a pension.
There are many different types of annuity available. The most basic annuity is based on the life expectancy of just one "annuitant" only - and when that person dies, the annuity payments stop. Alternatively, consumers can choose an annuity that will provide a proportion of the income to their partner or dependants when they die.
Consumers can also choose either to have a fixed income or an annuity that increases each year.
While some consumers arrange their annuities themselves, others choose to get independent financial advice to make sure they get the annuity that best meets their needs.
Annuity complaints are often about either the advice provided by a firm to a consumer about which annuity is most suitable - or the administration of the annuity policy.
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