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Annuity Vs Programmed Withdrawal

The Pension Reform Act allows a retiree under the contributory pension scheme to choose between staying with a PFA or buying an Annuity product from a Life Insurance company. At the end of the day, the retiree gets paid on a monthly or quarterly basis his or her periodic pensions. Whereas these two products share some similarities, there are notable differences between them as well which we would like to explain below. 

Annuity Vs Program Withdrawal (PW)


1. Both products pay monthly or quarterly pension to retirees. 

2. Both enjoy tax benefits i.e. they are not taxed.

3. Both are jointly regulated retirement products by PenCom and NAICOM.


• A retiree on PW can opt out and buy an Annuity plan from an Insurance company but a retiree who has opted for Annuity at the beginning cannot choose PW later on.

• With Annuity, if a retiree dies before the expiration of the minimum guaranteed period of 10 years, his or her beneficiary will receive the pension benefits up to the guaranteed period of 10 years from the start of the Annuity contract. But if the death occurs after the guaranteed period, no payment is made to the beneficiary. On the other hand, a retiree beneficiary under the PW will receive whatever balance that is left in the RSA of the deceased retiree irrespective of the year of death. 

• A retiree under the PW has the opportunity receive minimum pension provided he or she has satisfied the \requirements to receive minimum pension under the CPS. But a retiree who has opted for Annuity cannot receive guaranteed minimum pension. This is because guaranteed minimum pension is under the regulation and control of PenCom while the Annuity product is under the regulation of NAICOM.

• A retiree on PW can have his or her monthly pension reviewed upward periodically in accordance with the directive of PenCom based on the fact that his or her RSA balance is also expected to grow as a result of profitable investment decisions being made continuously by the PFA on his or her behalf. On the other hand, Annuity payments are fixed and may not be reviewed upward.

• Annuity payments are relatively a bit higher than PW payments. This is understandable as Annuity product has a minimum guaranteed period while PW has no limit. 

• A Retiree under the PW can move  his RSA balance to another PFA in accordance with the transfer window guidelines after one year. However, a retiree who has opted for Annuity can also move to another provider only after 2 years.

• A retiree under the PW receives a periodic statement of account showing the balance in his or her RSA from the PFA but a retiree under the Annuity contract does not receive statement of account because the Annuity pool is not customized to an individual.

In conclusion, both Annuity and PW allows a retiree to draw monthly pensions which can last up to the entire duration of the retiree existence. They also have some striking differences which should be considered before opting for either options.

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9 thoughts on “Annuity Vs Programmed Withdrawal

  1. Please i have recently retired from the public service. Which of the two programme withdrawal and Annuity pays pension for life irrespective of other benefits

    1. Annuity may pay pension for life but it will only guaranty 10 years minimum. PW can also pay pension for life as long as you have a balance in your RSA.

  2. There is limit year of payment in case of programmed withdrawal while annuity is pension for life. l can educate you better on both if permitted to share my contact, thanks.

    1. Like I replied earlier, there’s no limit to years of PW. You are only limited to receive what you have in your RSA balance. This can be as long as your balance can accommodate.

    2. Thank you for this smart reply, people should really not rely on everything they see online lately some of the info are nothing but lies

      Anyone who wants to know more about pension, programmed withdrawal and annuity should get a book titled pension Reform Act 2014

      There you’ll see all you need to know concerning the difference between the two moods in which you can access your pension as provided by law.


  3. Does annuity pay for life even after guaranteed period irrespective of whether you still have balance or not? Does it mean once you buy annuity and you are Alive for 25years,they will still pay you?

  4. Good day sir
    Thanks for that question? yes
    Annuity pay you for life,in as much you are alive.
    if it happen you live above the year 25yrs annuity pay your monthly pensions.
    annuity is more or least PTAD pension scheme.
    Annuity id the best plan for a retiree.

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  103. Today, I went to the beachfront with my children. I found a sea shell and gave it to my 4 year old daughter and said “You can hear the ocean if you put this to your ear.” She placed the shell to her ear and screamed. There was a hermit crab inside and it pinched her ear. She never wants to go back! LoL I know this is entirely off topic but I had to tell someone!

  104. Great article. It is quite unfortunate that over the last decade, the travel industry has had to take on terrorism, SARS, tsunamis, influenza, swine flu, and also the first ever real global economic collapse. Through everything the industry has really proven to be robust, resilient plus dynamic, finding new strategies to deal with difficulty. There are often fresh challenges and possibilities to which the market must once more adapt and reply.

  105. It’s my opinion that a foreclosed can have a important effect on the borrower’s life. Mortgage foreclosures can have a 8 to few years negative influence on a borrower’s credit report. The borrower who has applied for home financing or any loans for instance, knows that the particular worse credit rating can be, the more tricky it is to have a decent mortgage loan. In addition, it may possibly affect a new borrower’s ability to find a really good place to lease or hire, if that becomes the alternative homes solution. Interesting blog post.

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