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Enhanced and Impaired Health Annuity.

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Enhanced and Impaired Health Annuity.

The annuities market is one of the very few areas where being in poor health could actually save you money.

Want to see how much more you could have in retirement?

How it works

It’s sobering but your life expectancy is a key factor in calculating your annuity rate. If you suffer or have suffered from a serious illness, are diabetic, overweight, or a heavy smoker, you’re probably eligible for a higher income rate with an enhanced or impaired health annuity.

Obviously your health and wellbeing should always take priority. But if you already have a pre-existing health problem there’s every reason to benefit from a more generous annuity rate.

Around 40% of annuity customers could get an enhanced annuity rate. By comparing your annuity quote, you could boost your income and significantly improve your quality of life in retirement.

What’s the catch?

The range of medical conditions that can affect your quote varies between providers. Some of the key conditions include:

  • Angina
  • Obesity
  • Cancer
  • Diabetes
  • Smoking or history of smoking
  • Past heart attack
  • Major kidney failure
  • Working in hazardous conditions for a significant period of your life

An enhanced annuity applies for lifestyle factors like obesity or smoking. An impaired health annuity will apply for medical conditions impacting your life expectancy.

Get a live annuity quote from us and find out exactly what you’ll get in retirement. We’ll take some details about your medical history to ensure your quote is accurate. This will be kept secure and only used to provide you with a quote.


Want to see how much more you could have in retirement?