Emma Watkins: Educating partners on single life annuity risks

Protecting women in retirement

clock • 5 min read

What could be more romantic than providing a lifetime income for your spouse? Here Emma Watkins looks at the merits of joint-life annuities

Longer life expectancy and an increasing demand for social care in older age are set to place growing pressure on the UK population as they head into retirement. This is especially the case for women, who historically have been financially disadvantaged compared to men. There are many important choices to be made about how we use our pension savings. However, it can be difficult to think about end-of-life plans and the implications of these. Advisers need to pursue these tricky conversations and highlight the impact these decisions will have in ensuring financial security, especially whe...

To continue reading this article...

Join Professional Adviser for free

  • Unlimited access to real-time news, industry insights and market intelligence
  • Stay ahead of the curve with spotlights on emerging trends and technologies
  • Receive breaking news stories straight to your inbox in the daily newsletters
  • Make smart business decisions with the latest developments in regulation, investing retirement and protection
  • Members-only access to the editor’s weekly Friday commentary
  • Be the first to hear about our events and awards programmes

Join

 

Already a Professional Adviser member?

Login

More on Income

Annuity rates reach 18-year high of 7.75% in July

Annuity rates reach 18-year high of 7.75% in July

Up from 7.66% in April

Sophia Panayi
clock 30 July 2026 • 2 min read
Enhanced annuities: Turning health realities into better retirement outcomes

Enhanced annuities: Turning health realities into better retirement outcomes

'Retirement planning is not about choosing one solution over another but finding the right balance between them'

Mike Batty
clock 20 July 2026 • 3 min read
Robust fact‑finding: Annuities are back but file quality must keep pace

Robust fact‑finding: Annuities are back but file quality must keep pace

'Good quality annuity files tend to have one thing in common: robust fact‑finding'

Shirley Owen
clock 16 July 2026 • 4 min read