You need to be prepared to fully disclose your medical condition(s) to get the best enhanced annuity rates. Have you had a health check recently? Did it reveal anything that might effect the annuity rates you’re offered? The average increase in annuity income from enhanced annuity rates compared to standard annuity rates is around 22%, so don’t miss out. And, annuity rates 50% higher aren’t uncommon for more serious medical problems.

Higher enhanced annuity rates for ill health is a post from: Right Annuity

You could give your retirement income a tremendous boost. First, though, you need to know that your existing pension company is unlikely to provide you with the best deal. We’ll do better for you, whatever your situation. We can get you standard annuity rates, which will provide extra income if you’re fit and healthy, and non-smoking; enhanced annuity rates, which could get you up to 30% more income if you suffer from ill health; smoker annuity rates, which could get you up to 30% more income if you’re a regular smoker. Then there’s lifestyle issues to consider, which can result in extra income if you’re overweight, or if you drink alcohol regularly. Finally, we have postcode annuities rated on where you live. So there you have it, plenty of ways to achieve a higher annuity income, and no need to miss out.

To achieve the best deal at retirement you need to disclose any details about your health or lifestyle that might effect the pension annuity rates you’re offered. If you fail to do this, you could miss out on the best enhanced annuity rates, for example. Many people are enjoying the benefits of a higher annuity income these days due to the numerous different factors now being taken into consideration. Why don’t you contact us and see how much extra annuity income we can achieve for you.

Smoker annuity rates, standard, or enhanced annuity rates is a post from: Right Annuity

The higher enhanced annuity rates can apply to Alzheimers, Bi-polar Disorder, Blood Pressure, Cerebrovascular Accident (CVA) or Brain haemorrhage (ALS), Cerebrovascular – Subarachnoid haemorrhage (SAH), Cerebrovascular – Transient Ischaemic Attack (TIA), Deep Vein Thrombosis (DVT), Dementia (All types), Diabetes, Type 1 and Type 2, Haemochromatosis, Angina, Heart – Aortic aneurysm or abdominal aortic, Atrial Fibrillation, Heart Attack or Stroke, Heart – AV block, Heart – Brachycardia or Bradycardia, Asbestosis, Asthma, Bronchiectasis, Chronic Bronchitis, COPD, Emphysema, Pulmonary Fibrosis, Rheumatoid Arthritis, Schizophrenia, amongst others. For example, if you have diabetes you could get annuity rates up to 30% higher, whereas asthama can lead to annuity rates around10% higher.

Higher enhanced annuity rates for diabetes, asthma is a post from: Right Annuity

Buying an annuity directly from an insurance company or from an annuity service that only offers one insurance company’s annuities could prove to be a costly mistake in terms of lost retirement income, so taking your annuity from Aviva or Saga could be a mistake. Annuity rates do vary tremendously between different insurance companies. No single company offers the best annuity rates for all scenarios. Company A, which could be Aviva, might offer the best rates for a male aged 65, but not for a male aged 70. Company B, which could be Saga, might offer the best rates for a £50,000 pension fund, but not for £100,000.

Don’t restrict yourself to just checking out pension annuity rates from one company. You’ll be relying on one company, one annuity quote, competitive or otherwise. You could miss out on the best rates. Remember, your current pension company won’t offer you the best rates. You will find higher annuity rates elsewhere. Also, if you suffer from ill health, if you’re overweight, if you smoke regularly or drink regularly, or if you live in certain postcode areas you’ll be entitled to higher annuity rates, and the increase can be very worthwhile. annuity rates in general are falling, but there are things you can do to help yourself achieve a higher annuity income. Importantly, you should disclose anything that might effect the rates you’re offered. See pension annuity rates for details.

Pension annuity rates from Aviva and Saga is a post from: Right Annuity

If you decide against having a choice, you’ll only be offered an annuity quote from one company, which could be competitive or not, and you’ll miss out on getting the best UK annuity rates. Higher annuity rates are payable to smokers and people in poor health for the simple reason that their life expectancy is lower than it is for healthy people, so the annuity provider calculates it won’t have to pay out the annuity for so long. If you smoke, if you have been ill or if you’re only slightly overweight it is worth checking out what rates are available. It really is up to you; if you don’t mention something that matters, then it can’t be taken into account, which could cost you dearly in terms of lost annuity income.

So, help yourself to better annuity rates; use a specialist annuity service such as this to research the market for you, make sure you disclose anything to do with your lifestyle or your state of health that might effect the rates you’re offered, and consider carefully the company your pension fund is invested with, as many offer particularly poor deals in terms of annuity rates at retirement.

Help yourself to the best UK annuity rates is a post from: Right Annuity

Aston Goodey, from MGM Advantage comments that whilst it’s encouraging that so many people aged 55 and over are actually having regular health checks, it’s disappointing to learn that so few are aware that certain medical conditions would qualify them for enhanced annuity rates and therefore increased retirement incomes. In some cases, declaring a medical condition could result in an individual being thousands of pounds better off over the course of their retirement and make a real difference to their quality of life. He adds that having a health check before buying an annuity is vital, and if someone discovers they have a medical condition, it’s in their best interest to inform their prospective annuity provider.

Health conditions for higher enhanced annuity rates is a post from: Right Annuity

Only one in four people are aware that they could get higher UK annuity rates when they retire if they suffer from certain medical conditions. Four fifths of UK adults over the age of 55 claim to have had a health check within the past twelve months and 65% claim to have had one within the past six months but people are not sharing their results with their annuity providers. MGM Advantage warns that people who don’t mention any underlying health issues could risk losing out as enhanced annuities pay out on average 24% more for men and 22.7% more for women.

75% of retirees miss out on best UK annuity rates is a post from: Right Annuity

The medical conditions for enhanced annuity rates include Alzheimers, Amyotrophic lateral sclerosis (ALS), Bi-polar Disorder, Blood Pressure, Cerebrovascular Accident (CVA) or Brain haemorrhage (ALS), Cerebrovascular – Lacunar Infarct or Stroke, Cerebrovascular – Subarachnoid haemorrhage (SAH), Cerebrovascular – Transient Ischaemic Attack (TIA), Deep Vein Thrombosis (DVT) or pulmonary Embolism (PE), Dementia (All types), Diabetes, Type 1 and Type 2, Haemochromatosis, Angina, Heart – Aortic aneurysm or abdominal aortic, Arrhythmia, Atrial Fibrillation, Heart Attack or Stroke, Heart – AV block, Heart – Brachycardia or Bradycardia, Asbestosis, Asthma, Bronchiectasis, Chronic Bronchitis, Chronic Obstructive Pulmonary Disease (COPD), Emphysema, Pulmonary Fibrosis, Rheumatoid Arthritis, Schizophrenia, amongst others. If you think you’re eligible, just ask.

Ill health, medical conditions, for enhanced annuity rates is a post from: Right Annuity

This consists of a series of short questions about your health and lifestyle such as how much you drink or smoke on a weekly basis, your blood pressure, your cholesterol level, what exercise you take and and how often and any current or previous medical conditions. Sometimes you will be asked to provide a form of evidence of past or current conditions via a report from your GP. How much the enhanced annuity rates are increased will depend on the extent to which your situation will upon impact life expectancy. Mild conditions or lifestyle choices could see your annuity income increase by around 5%. More serious medical conditions such as heart attacks can result in an income increase of around 40%.

Eligibility for higher enhanced annuity rates is a post from: Right Annuity

Looking at both the standard annuity and enhanced annuity markets as a whole, the difference between the top and bottom quartiles continues to widen somewhat for men but has reduced ever so slightly for women.  In March 2010, the average difference for men was about 35% and this rose in June this year to 35.6%. The corresponding figures for women are 34.7%% and 33.8% respectively. This might seem a strange way of looking at enhanced annuity rates, but does enhance the need to shop around.

Enhanced and conventional annuity rates changes is a post from: Right Annuity