Ill health is one of the key factors for getting higher pension annuity rates, and the more severe the ill health, the higher those annuity rates. To illustrate the higher rates available there are some example quotes on the annuity rates pages of this website. Ill health, along with the other above factors, has an effect on your life expectancy, and, the shorter your life expectancy, the higher the annuity income, because the anticipation is that it will be paid for a shorter period of time.

You could increase your annuity income by up to 30%, or perhaps even more, and that means a higher income every year for the rest of your life. Find out if you might be eligible for higher annuity rates and how much that could mean to you. Don’t be one of the 40% of people at retirement who qualify for higher annuity rates, but don’t even bother to apply. We can help you achieve a better annuity income. Just contact us, and let one of our advisers help you discover just how much extra annuity income you might be eligible for. If you’re not eligible for these higher annuity rates, we’re confident we can obtain better rates than those from your current pension provider.

Are you eligible for higher UK annuity rates? is a post from: Right Annuity

Next on the list of UK annuity rates is enhanced annuity rates. These apply if you suffer from ill health, whether you’re a smoker or not; with much higher annuity rates for those more severe, possibly life threatening, medical conditions. These annuity rates could be up to 30% higher than standard rates, or possibly even more. In addition to this we have lifestyle issues which can effect annuity rates; whether you smoke, if you’re overweight and by how much, how much alcohol you consume, and what your previous occupation was whilst at work. Annuity rates could be around 20% higher, depending on the different issues involved.

We also now have postcoded annuity rates, postcode annuities, so now where you live can make a difference to the rates you’re offered. Postcode annuities result in those living in less wealthy areas getting higher rates than those living in more prosperous areas. These postcode rates could be 5% – 10% higher than standard annuity rates. More and more people are now eligible for these higher annuity rates. Various factors effect annuity rates offered. The more factors that apply the higher the annuity rates will be. Check if you’re eligible, because higher rates could be the best annuity rates for you, and could give a real boost to your retirement income.

A guide to the best UK annuity rates is a post from: Right Annuity

You could increase your annuity payments by up to 30% if you’re eligible for higher pension annuity rates, and there could be many reasons why you might be eligible. Around 40% of people at retirement are eligible, but only a few bother to apply; the rest lose out financially. You could increase your annuity income by up to 30%, or more, and that means a higher annuity income every year for the rest of your life. Ill health is one of the key factors for getting higher pension annuity rates, and the more severe the ill health, the higher the rates. To illustrate the higher annuity rates there are available, in particular for those with ill health and for smokers, there are some example quotes on the various rates pages of this website.

More and more people are eligible for higher annuity rates owing to annuity rates depending on a number of factors. Higher annuity rates are becoming more widely available to retirees due to the increasing number of factors now being taken into consideration. In addition to ill health and smoking, lifestyle issues and where you live are now taken into account. Our task is to help you find out if you’re eligible for these higher annuity rates, and to find you the best rates available. For accurate advice and guidance contact us, and let one of our trained advisers help you.

More people are eligible for higher pension annuity rates is a post from: Right Annuity

Might you be eligible for higher annuity rates if your lifestlyle issues are taken into account? Are you a smoker; if you are, how much do you smoke? Do you drink; if so, how much alcohol do you consume? Are you of average height and weight; or might you be greatly overweight, or perhaps obese? In addition, the following factors are considered: What was your occupation whilst you worked; perhaps it was of a more manual nature? Where do you live; postcode annuities are rated on where you live. All these factors effect UK annuity rates.

If you’re eligible for higher annuity rates make sure you provide your details and don’t miss out out on a better annuity income. As there are so many factors involved in the calculation of pension annuity rates the best way to get accurate quotes, advice, and guidance is to contact us, and let one our trained advisers help you. You might find that you’re eligible for much higher annuity rates. With around 40% of people at retirement being eligible for higher pension annuity rates, shouldn’t you find out if that includes you. Many more people who are considered fit and healthy and non-smoking are now becoming eligible for these higher annuity rates.

Best UK pension annuity rates and lifestyle issues is a post from: Right Annuity

Impaired life annuities are best suited to those people with more than a year to live. Someone looking at less than a year to live would do better to seek a special dispensation from the Revenue allowing them unlimited access to their pension fund, tax-free. Here’s an example; Mrs G, 60, of Eastbourne, suffers from a malignant liver tumour and long-standing hypertension, and she had two personal pensions. An annuity specialist was able to combine these and find her enhanced annuity rates 20% higher than those available from her own pension conpanies, resulting in her being thousands of pounds better off in her retirement as a result of shopping around.

Enhanced annuity and impaired life annuity entitlement is a post from: Right Annuity

Most of these companies sell their enhanced annuities through independent financial advisers (IFAs). Some experts rightly claim that it’s a shame more people don’t use the open market option, which allows them to shop around with their pension fund to find the best annuity rates available. Some retirees could end up with an improvement in rates of up to 30%, because of their lifestyle, occupation or their ill health. Here’s details of an extreme case transacted a few years ago; a 75-year-old man with lung cancer was quoted a standard annual annuity income of just over £21,000 by his existing pension provider. A specialist enhanced annuity provider was able to boost this by about 80 per cent to nearly £38,500.

Impaired life annuity rates is a post from: Right Annuity

It is important to note that any entitlement to a higher pension annuity rate will be based on a possible reduction in your anticipated life expectancy, and not related at all to your quality of life. That is, you may qualify for a higher pension annuity income without necessarily having any impairment to what might be called normal living. For all these enhanced annuities, each case is considered on its own merits. If you have any queries regarding an enhanced annuity please feel free to contact one of our specialist advisers on 0800 169 1256.

Enhanced annuity is a post from: Right Annuity

It is important to note that any entitlement to a higher annuity rate will be based on a possible reduction in your life expectancy, and not related to your quality of life. That is, you may qualify for a higher annuity income without necessarily having any impairment to what might be termed normal living. For all these annuities, each case is considered individually. If you have any questions regarding enhanced annuity rates please feel free to contact one of our advisers on 0800 169 1256.

Best enhanced annuity rates is a post from: Right Annuity

As so many people expect to retire on the basic state pension alone, particularly when only half know how much it actually pays, there is still a clear need for people to understand the financial consequences of not making adequate provision for their time in retirement, comments Martyn Bogira, of Prudential. The Pensions Policy Institute (PPI) agrees that an increasing number of retirees will find themselves without the financial means to have the standard of living that they want. Younger people who can still do something to increase their pension savings should consider the problems afflicting those people about to retire. UK annuity rates alone, be they high or low, aren’t really going to matter a jot if there just isn’t a pension fund in place.

The best UK annuity rates plus the State pension is a post from: Right Annuity

Standard annuity rates are calculated using various details, including your age, gender, married or not, size of pension fund, the type of annuity you choose and the options. Plus other issues such as your lifestyle (as above), where you live, and your previous occupation. Please contact us if you would like some annuity quotes arranged to find the best annuity rates to match with your personal set of circumstances. In view of these issues there’s an even wider range of standard annuity rates available.

Annuity rates above conventional standard annuity rates is a post from: Right Annuity