This document provides information about annuities and the different types of annuities available when planning for retirement. It discusses how annuities provide a guaranteed income for life using pension funds or savings. It also explains the importance of shopping around for annuity rates and outlines some of the key factors that determine annuity income amounts such as medical conditions. The document describes pension annuities, with-profits/investment-linked pension annuities and notes that annuity options cannot be changed once set up.