The annuities market is not working, according to a review by the Financial Conduct Authority (FCA).
Its Thematic review of annuities, which is part of the first stage of the FCA’s review into retirement products, gathered information from 25 organisations representing 98% of the annuities market.
The review found that, for a pension pot of £17,700, buying an annuity from the current pension provider would return an average annual income of £1,030.
However, by shopping around for a better rate and switching provider, that annual income would increase by 6.8%, or £71 to £1,101.
The review found that one in six people could increase their retirement income by more than 10% if they changed provider.
The FCA also reviewed existing research about the challenges people face when buying an annuity and concluded that, despite the various efforts to encourage people to shop around, there are still significant barriers preventing them from doing so.
These barriers include:
- People lacking the confidence to switch provider.
- People not fully understanding the decision they need to make.
- Behavioural biases, such as inertia.
The FCA also looked at 13 annuity price comparison websites. These sites compare different annuity rates and allow people to buy directly from a provider, but there has been concerns about a lack of clarity in the information provided, including underplaying the significance of buying an annuity.
Poor practice was found on all websites and the FCA has already required the organisations running these sites to make changes.
The FCA will now undertake a competition market study into retirement income to assess competition and gain an understanding of why people do not shop around. It intends to publish interim findings from its study in the summer of 2014.
As part of the study, it will also undertake further supervisory work looking at how pension providers’ sales teams conduct themselves when selling annuities to existing customers.
The FCA has set out three operational objectives:
- To secure an appropriate degree of protection for consumers.
- To protect and enhance the integrity of the UK financial system.
- To promote effective competition in the interests of consumers.
Martin Wheatley (pictured), chief executive officer of the FCA, said: “The need to get an income in retirement unites us all. But once you’ve bought an annuity you can’t change your mind.
“For most people, getting the right annuity could mean the equivalent of an extra £1,500 in savings, so we need to understand why they aren’t shopping around and switching.
“But this isn’t true for everybody; our research showed that there is virtually no market whatsoever for people with smaller pension pots. This means that for those people who need to make every penny of their pension count, the market has closed the door on them.
“There should be competition across the entire market, not just for those with the most money. That is why we will be using our new remit to conduct a competition market study and a review of sales practices in pension providers.
“This is a very significant piece of work for the FCA.”
We welcome the conclusions of this review, which highlight the importance of savers getting value for money from their retirement pots. We particularly welcome the focus on the issue of converting small pots into income. Many savers introduced by automatic enrolment will typically have small pots for some years to come. We believe it’s important that the FCA and The Pensions Regulator work together to ensure that these savers aren’t penalised when they come to buy an annuity.
Nest has a panel of providers who guarantee to provide retirement income products on pots of £1,500 and above, which means that many members who may not otherwise have had the choice of buying a retirement income now have that option if they want it. We keep our approach under constant review and will evolve it in line with best practice and to reflect what our members need.
We also highlight to members that they can shop around, and provide them with clear information that will help them to explore their options and make an informed choice.
With auto-enrolment, millions more people are going to be saving for their retirement and will ultimately have to make an annuity purchase.
In recent months, the attention of the government and the regulator has been focussed on raising standards and driving down charges in the pensions industry. But, all of these efforts will be overshadowed if, at the end of the day, savers end up with a poor value or unsuitable annuity.
Improving competition and encouraging consumers to shop around for their annuity is imperative. It’s truly bizarre that you can’t buy home or pet insurance without disclosing relevant information, yet you can do so when buying an annuity, which is one of the most important financial purchases you’ll ever make.
I firmly believe that pension providers have a responsibility to promote access to the best options from the whole marketplace when members reach retirement to make sure that their pension pot stretches as far as possible and reflects their individual circumstances. I hope today’s report is the first step along the road to improving the market significantly for consumers.
Aegon’s ambition is to get the UK ready for retirement, so we welcome today’s report on annuities from the Financial Conduct Authority (FCA).
We want savers to be well rewarded for taking a positive approach to retirement planning, and this means the whole industry needs to do all it can to help people understand their financial options around their pension savings.
With the huge interest in the annuity market right now, it’s not at all surprising that the FCA has decided to follow up its thematic review with a market study. It’s also right for the FCA to look at the wider picture and the range of retirement options customers have. Aegon particularly welcomes the forward-looking aspect of the study, looking at changing consumer needs and future engagement opportunities.
The study is an opportunity to bring balance and fact-based analysis to the debate, cutting through some of the myths, and identifying both weaknesses and strengths in the various forms of retirement solution.
Aegon looks forward to participating in this study and working with the FCA to help consumers make the most of their retirement.
We are fully behind the FCA’s conclusions, and its intention to launch a competition market study into retirement income is very good news for the consumer.
We have continually banged on about how consumers are missing out on the benefits from shopping around and switching from their pension provider when they buy an annuity, so now the FCA is taking a firm lead in changing attitudes this must be beneficial to thousands of people approaching retirement. Also, the fact the FCA has highlighted the lack of access to enhanced annuity rates for some consumers annuitising with their existing pension provider we feel indicates a clear need for change as a matter of urgency.
In addition, we would like to see the open market option route expanded to stop consumers being tempted to restrict their choice of annuity provider to just six or seven companies because that is all they are being offered by some intermediaries and websites.
Aviva has been campaigning to put an end to the practice, by some providers and brokers, of giving consumers a poor deal when it comes to choosing their retirement income.
We want the FCA to identify all those areas where consumers get less than they should on their retirement income, either because providers are taking advantage of existing pension customers’ inertia and lack of understanding, or brokers are charging excessive commissions and not telling their customers that they are only offering annuities from a restricted range of providers.
A market study is the right place to begin a thorough review of the annuities market and we see this as a very positive step for consumers and our industry.
Shopping around, and switching where appropriate, is by far the most effective way to achieve the best annuity rate. Sustained consumer awareness and education campaigns will need to go hand in hand with legislative change to influence consumer behaviour in this area.
The rules around small pots should also be changed to allow consumers to access their savings where an annuity would not offer a value for money option because the level of savings accrued is too low. There are a number of possibilities for simplifying the rules on small pots (called trivial commutation), and we want to see the government address these to give consumers a better deal.
The decision someone makes about how they provide themselves with an income in retirement is one of the most important they will ever make. So understanding all the options is equally important as getting the best rate. That is why we believe educating our customers on their retirement choices so they can make informed decisions is the most important role the industry can play.
70% of our customers currently choose a retirement option other than a Standard Life annuity. We do our utmost to ensure every customer has a conversation with us or their financial adviser about the options available to them and this is how we ensure every customer is aware of the open market option.
The stark fact is most people have insufficient savings and come to retire with small pots of money to convert into an income. Customers who take an annuity with us generally have small pension pots and some do have difficulty finding a choice of annuity providers who will take them on. We would welcome any initiative that would allow these people greater choice and access to more attractive deals in the market.
The fact that eight out of 10 people could get a more generous retirement income by shopping around (equivalent to an extra £1,500 paid into a pension) is an absolute indictment of the system and points to the need for real changes to be introduced as soon as possible.
“It is disappointing that after a full year we still have to wait many months more for a second stage investigation by the FCA before regulatory action of some description can be initiated.
In the meantime, the industry (pension schemes, as well as providers) must redouble its efforts to encourage individuals to seek advice and support in determining the timing and type of any annuity needed, as well as the best provider.
The idea of providing a passport setting out all the relevant facts, including health considerations, should be actively considered. The government should also urgently review the trivial commutation rules with a view to increasing the limit on ‘stranded pots’ – from the present £2,000 to at least £5,000 – thus enabling better value to be obtained from the annuity process.
The purchasing of an annuity is effectively still a one chance opportunity. Consumers must always consider that while a difference of, say, £30 a year between annuities may not seem like very much, if they then multiply this by 20 to 30 years the losses in retirement income can add up to a significant amount of money.
The FCA’s review of the annuities market has done good work in highlighting issues about which the NAPF has long shared concerns. It is clear that consumers are better off shopping around, but the stark fact remains that many do not often because of their lack of confidence and knowledge.
The finding that 80% of consumers could be better off by shopping around is a damning indictment of a market that can be considered inefficient at best. The profitability review by the FCA is particularly important, as this shows the limited incentive for providers to promote the open market option in any meaningful way to consumers. Even with the best will in the world, there is little point in telling people with small pots to use the open market option when the market is effectively closed to them.
The FCA’s intention to conduct a competition market study and a review of sales practices in pension providers is very welcome. The NAPF’s own research estimates that around half a million people retiring each year are at risk of being short-changed by up to £1 billion.
The FCA’s review of comparison websites is an important piece of work. It is not always clear to consumers what charging structure the website uses, whether it operates across the whole of the market or what size pots it serves. Consumers need clear advice from an impartial source and are more likely to trust help from their employer or scheme. Half of our members already offer employees some sort of advice and we know people expect help from their employer or scheme. This is only likely to increase as automatic enrolment grows, and employers and schemes become increasingly seen as a trusted source of information about pensions.
Consumers are currently trapped in an unfair and opaque system. If people are to have confidence in pensions then the choices they have, and the process of converting their pension pot into an income for retirement, must be transparent and simple. The NAPF will support and fully engage with the FCA as it undertakes its market study over the next 12 months.
The FCA has confirmed what many independent observers have known for years: the retirement income process only works well for the minority of investors who fight their way out onto the open market and engage with a good quality broker. The problem is that the majority of investors aren’t finding their way through to these good deals.
Insurance companies have been the principal culprits in selling poor value products over the years and annuity brokers are working towards adopting minimum standards in how they deal with their customers.
This is an opportunity for the FCA to initiate a fundamental rethink on how we help millions of investors to get the best value from their retirement savings.
The FCA review into the annuity market needs to shake up and modernise the industry. Too much is currently left to consumer understanding and not enough is simple and clear cut. Terminology is confusing and needs to be simplified. It is no wonder so many people simply accept their existing insurer’s annuity offer and so few shop around.
Without a clear steer, the industry will continue to stumble along with consumers paying the price. Consumers should be directed to the whole of market advisers. Limited annuity provider panels and commission payments should be banned and brought in line with the retail distribution review (RDR).
Retirement income choices can be daunting but, as with any major purchase, annuitants need to do their research or risk getting a bad deal. People, who would not dream of booking a holiday without comparing prices or looking up the hotel on Trip Advisor, are leaving themselves permanently poorer in retirement by not looking into their options.
The average 7% difference in income for those who lose out by not shopping around may not sound a lot expressed as a monthly amount, but it adds up over a retirement that might last 25 years. With inadequate savings making retirement a more distant prospect, that’s money they can’t afford to lose. It is helpful that the Financial Conduct Authority is looking closely at which aspects of the annuity market could be improved and encouraging the industry to improve processes to ensure that insurers treat all customers fairly, in particular those with small pot sizes.
How much profit insurers will make on each year’s annuity business can’t be known for sure until the last payment is made, but the work the FCA carried out with Towers Watson’s assistance indicates that expected profits are higher where annuities are sold to existing customers than when they are sold on the open market.
The fact that several insurers offer annuities to existing customers without trying to win other business could also indicate that they do not expect their rates to be competitive. In general, more shopping around should therefore lead to more business going to providers that offer keener prices and an overall gain to consumers. Some workplace pension schemes now facilitate this by offering annuity broking services.
However, there could be some losers, as well as winners, if more people are persuaded to take advantage of enhanced annuities. If insurers expect standard annuities to be paid out for longer on average, that will have to be reflected in the price. Healthier retirees could therefore be offered worse rates once they are no longer pooled together with people who have shorter life expectancies.
As the FCA report makes clear, there is much room for improvement in how annuities are bought and sold. However, while they won’t be the right product for everybody, we should not lose sight of the significant benefits that annuities can bring both to the people who buy them and to society.
Whilst we welcome the conclusions of the FCA review, there are no surprises as these are all issues that commentators have been highlighting for some time. However the intention to conduct a competition market study and a review of sales practices in pension providers is very welcome, as is the need to carefully scrutinise the comparison websites that are now appearing on a regular basis.
Consumers need clear advice from a specialist source on a whole of market basis but most importantly more needs to be done to educate and communicate with them in the crucial 5 or so years of transition from working life to the point of retirement. This is something ASPIRE to retire have been voicing for some time and undoubtedly makes a significant difference to the choices consumers would make and the final outcome they receive.
Pension providers have been the principal culprits in selling poor value products over the years whilst many specialist At Retirement advisers already operate to high standards under a transparent fee based structure designed to deliver the best possible outcomes for consumers. More needs to be done to raise awareness of this with the workplace being an ideal place to build trust and improve consumer understanding.
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