Life Annuity

Impaired & Enhanced Annuities

Enhanced or impaired annuities are where the insurance company are willing to pay a greater premium for your business/ Annuity.

These policies are generally offered to people they deam will have a shorter life expectancy that ‘normal’, and could increase the value of you annuity by up to 40%.

Shorter life expectancy does not necessarily mean you will need to be ill but you have suffered from or are involved with an activity they deam to be 'higher risk'.

This could be due to:

• Cancer
• Heart problems (including heart attacks, heart bypass, angina, irregular heart beat, angioplasty)
• High blood pressure
• Being a smoker
• Overweight
• Diabetes
• Stroke
• Multiple Sclerosis
• Parkinson’s; Alzheimer’s Disease
• Liver; Lung Diseases

They will normally also take into account High Cholestrol and high blood pressure as well

It may be necessary, in some cases, for the annuity provider to contact your GP before they can give you a quotation.

If you are interested in speaking to specialsit or just finding out more information about a impaired health annuities or enhanced annuiites please call us on 0800 331 7437 or fill out the short enquiry form and we will call you back.