ENHANCED / IMPAIRED LIFE ANNUITIES

ENHANCED / IMPAIRED LIFE ANNUITIES

Enhanced annuities are designed for people with medical or lifestyle conditions that potentially reduce life expectancy. You may be able to get a higher rate of income if you are a smoker or have a medical condition. Some specialist annuity providers will pay you a higher income because they calculate that your income will be paid out for a shorter period of time.

If you can answer yes to any of the following questions you may well be able to obtain a higher income:

	Do you regularly smoke cigarettes? If you regularly smoke cigarettes and have done so for the last ten years please let us know as there is a good chance you will obtain a higher income when you set up your annuity.
	Do you take regular medication?
	Do you have high blood pressure and high cholesterol?
	Do you suffer from diabetes?
	Do you suffer from chronic asthma?
	Do you suffer from or have you ever suffered a serious illness such as cancer, stroke, or multiple sclerosis?
	Have you recently undergone major surgery?

People suffering from very serious medical conditions may be eligible for an impaired life annuity. These conditions are likely to affect life expectancy considerably and can often involve an independent medical examination.

The FSA's website has comparison figures for annuities at www.moneymadeclear.org.uk (please click on annuities link). For a specific illustration, please contact us.

To have an independent expert get in touch with you to offer initial advice, simply enter your details below.