Enhanced Annuity
An enhanced annuity will pay you a higher retirement income if you have certain medical or lifestyle conditions. You could be offered up to 40% more income than someone in good health.
Retirement income
- The following medical and lifestyle conditions are the more common ones that qualify for a higher income.
- Over 1,500 medical and lifestyle conditions can be taken into consideration and result in a higher income.
- Even if you’re in good health, you could get a higher joint income if your spouse has any of these conditions.
- We can get you the highest rates available by comparing enhanced annuity quotes from all companies.
- Contact one of our advisers today and find out just how much extra retirement income we can get for you.
The following examples show the higher retirement incomes achieved by clients with various medical conditions.
| Medical / lifestyle conditions | Annuity quote assuming good health | Higher income based on medical / lifestyle conditions |
| Miss A, age 64, suffers from diabetes. She had a pension fund of £42,817, after tax-free cash. |
£2,327 per annum | £2,824 per annum
22.4% more income |
| Mr. B, age 64, suffers from high blood pressure. He had a pension fund of £48,663, after tax-free cash. |
£2,405 per annum | £2,958 per annum
23% more income |
| Mrs. C, age 65, suffers from high cholesterol. She had a pension fund of £30,555, after tax-free cash. |
£1,513 per annum | £1,961 per annum
29.6% more income |
| Mr. D, age 65, suffers from high blood pressure and high cholesterol. He previously had cancer. He had a pension fund of £111,436, after tax-free cash. |
£6,060 per annum | £7,680 per annum
26.4% more income |
| Mr. E, age 63, suffers from high blood pressure, high cholesterol, and certain other medical conditions. He had a pension fund of £37,116, after tax-free cash. |
£1,542 per annum | £2,328 per annum
51% more income |
| Mrs. F, age 60, suffers from high cholesterol and a heart condition. Her husband suffers from high blood pressure, high cholesterol, and certain heart conditions. She had a pension fund of £42,008, after tax-free cash. |
£2,011 per annum | £2,557 per annum
27.2% more income |
| Mrs. G, age 61, is a regular smoker. She had a pension fund of £23,774, after tax-free cash. |
£1,195 per annum | £1,514 per annum
26.7% more income |
What about you? Tell us about your medical or lifestyle conditions and find out just how much income we can get for you. Request a free quote or call us free on 0808 1787 335.
The more serious your medical condition(s) the higher your retirement income.
Annuity rates
If you have more than one medical or lifestyle condition, you could get even higher annuity rates. An estimated 40% of retirees could qualify for enhanced annuity rates, so it’s always worth checking. The difference to your retirement income could be substantial.
Enhanced annuity rates
Enhanced annuity rates are designed for people with medical or lifestyle conditions that can potentially reduce life expectancy. Finding out whether you might be entitled enhanced annuity rates is easier than you might think. These simple questions will tell you if you could qualify:
- Do you currently suffer from ill health, or have you in the past?
- Are you a regular smoker?
- Do you now or have you ever taken prescription medication?
- Have you ever been hospitalised for a medical condition?
If you answer “yes” to any of these questions you could qualify for a higher retirement income.
