Enhanced/ Impaired Life Annuity

You may be able to get a higher rate of income if you are a smoker or have medical condition. This is because your perceived life expectancy is shortened due to your illness or smoking. Some specialist providers use this to your advantage, they will pay you a higher income because they calculate 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?

If you have answered yes to any of the above questions, let us know we can check if you qualify for special annuity rates. You may be asked to fill in a simple questionnaire to check whether you will qualify for a higher income.