0800 077 3510

Annuity RatesWhether you’re fit and healthy, suffering from poor health, overweight or a smoker, we’ll find you a higher annuity income for your retirement.

Annuity OptionsYou can add various options to your annuity to tie in with your personal circumstances. Click here for details of the options that might apply to you.

Annuity TypesIt’s important that you select the right type of annuity for your requirements. Click here for details of the various annuities available.

Ill Health

Ill health can lead to significantly higher annuity rates 

Some companies offer annuities that pay you higher than standard annuity rates if you have a health problem that is likely to reduce your life expectancy. These annuity rates can be up to 30% higher than standard rates, and possibly more in cases of very serious ill health.

The more serious the ill health the higher the annuity income.

There are two types of annuities for those with ill health,an enhanced annuity and an impaired life annuity. An enhanced annuity is appropriate for people with mild medical conditions as well as some more serious ones.

An impaired life annuity is appropriate for people with more serious, life-threatening medical conditions, and can lead to annuity rates 50% to 60% higher, or perhaps even more.

Examples of the annuiy rates you might receive for various medical conditions can be seen on the enhanced annuity rates page. If you’re a smoker and you suffer from ill health there are example quotes on the smoker annuity rates page.

Medical conditions 

There are over 1,500 medical conditions that can be considered for higher annuity rates, including:

    *               Alzheimers

    *               Amyotrophic lateral sclerosis (ALS)

    *               Bi-polar Disorder

    *               Blood pressure

    *               Cerebrovascular Accident (CVA)

    *               Cerebrovascular – Brain haemorrhage  (ALS)

    *               Cerebrovascular – Lacunar Infarct

    *               Cerebrovascular – Stroke

    *               Cerebrovascular – Subarachnoid haemorrhage (SAH)

    *               Cerebrovascular – Transient Ischaemic Attack (TIA)

    *               Cholesterol

    *               Deep Vein Thrombosis (DVT) or pulmonary Embolism (PE)

    *               Diabetes, Type 1 and Type 2

    *               Haemochromatosis

    *               Heart – Angina

    *               Dementia (All types)

    *               Heart – Aortic aneurysm or abdominal aortic aneurysm

    *               Heart – Arrhythmia

    *               Heart – Atrial Fibrillation

    *               Heart Attack

    *               Heart – AV block

    *               Heart – block

    *               Heart – Brachycardia

    *               Heart – Bradycardia

    *               Heart – Cardiomyopathy (All types, incl HOCM)

    *               Kidney complaints

    *               Leukemia

    *               Liver complaints

    *               Organ transplants

    *               Parkinson’s

    *               Respiratory – Asbestosis

    *               Respiratory – Asthma

    *               Respiratory – Bronchiectasis

    *               Respiratory – Chronic Bronchitis

    *               Respiratory – Chronic Obstructive Pulmonary Disease (COPD)

    *               Respiratory – Emphysema

    *               Respiratory – Pleural Plaques

    *               Respiratory – Pulmonary Fibrosis

    *               Rheumatoid Arthritis

    *               Schizophrenia

    *               Various cancers 

    *               as well as many, many others.

If you think you might be eligible contact one of our advisers and discuss your circumstances. Tell them as much as you can about your medical condition(s) and any medication you’re taking. This can lead to your circumstances being assessed correctly and to you getting the best annuity rates.

We can assist you with a dedicated telephone underwriting service, immediate accurate annuity quotes, and also a 45 day quote guarantee period for enhanced and impaired annuities.

If you prefer to discuss your situation over the telephone, you can call us free on 0800 077 3510.

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