If you are unaware of the guaranteed annuity rate within your pension plan, the staggered payments you start receiving after the age of 50 can help you identify the same. This should tell you if you qualify for any guaranteed annuity rates. When you first join the pension plan, you should read the plan conditions thoroughly. Look out for terms like "retirement annuity contract," "Section 226 policy," "with-profits," "benefits," "preferential," and "guarantee" in your paper. Contacting your pension provider directly for further guidance is also the best option.