You could qualify for an enhanced annuity if you have a medical condition or lifestyle that means your life expectancy might be shortened. Annuity providers pay a higher rate because their calculations say they will have to pay out an annuity income for a shorter time, when compared to a healthy person who might receive a standard annuity. An enhanced annuity is also know as an impaired annuity.
Enhanced annuities can pay 40% or more than a standard annuity. Not just for those with a serious medical conditions, this type of product applies to over 5,000 different conditions which can be considered by providers. It’s vital that you declare all past or present health conditions.
If you want an enhanced annuity quote, you might need to take a medical examination, your GP can provide medical information for an enhanced quotation.
You might qualify for an enhanced annuity if you:
For an enhanced annuity application you might need to prove you smoke more than ten cigarettes per day. If you are a smoker, you could qualify for a retirement income worth up to 15% more than a standard annuity.
How much more income you get is dependant on your state of health. If you have a serious medical condition like a heart attack or stroke, you might get as much as 50% more.
There are more than 5,000 medical conditions that are recognised in the application process but here are some of the most common conditions:
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