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Adviser Centre

Enhanced annuity.

At a Glance

Key information

  • Enhanced rates available to those with one or more qualifying medical conditions or lifestyle health risks.
  • If a dependant's pension is included, enhanced rates are available if the dependant, together with your client, have been diagnosed. Enhanced rates will not be available if only the dependant has been diagnosed.
  • Extra income payable in addition to that available from our standard Pension Annuity.
  • Same range of options to choose from as our Pension Annuity (except for RPI increases).
  • Our enhanced annuity can be quoted on Iress, Assureweb, Webline, Annuity Exchange, Annuity Line, Spire and TOMAS.
  • Subject to medical details provided, we'll supply you with a guaranteed fully underwritten quote, using our best prices first time, in an average of three seconds.
  • If you have additional information this can be submitted for consideration by our medical underwriters.


Income and charges

Who might it be suitable for?

  • Clients who have been diagnosed with serious heart or vascular conditions.
  • Clients who have been diagnosed with a form of cancer (including leukaemia).
  • Clients who have suffered a stroke.
  • Clients who have been diagnosed with a serious respiratory condition or lung disease.
  • Clients who have been diagnosed with multiple sclerosis or other neurological conditions.
  • Clients who are smokers and have been for the past 10 years.
  • Clients who have been diagnosed with high blood pressure.
  • Clients who have a high or low Body Mass Index (BMI).

Please note that different annuity providers have different qualifying criteria for their enhanced annuities, so it's important to get quotes from as many different providers as possible. If one provider doesn't offer your client an enhancement, it shouldn't be assumed that will be the case for all providers. Some providers may ignore medical and lifestyle factors that other providers will take into account.

Benefits and risks


Get a quote

All our annuity products are available on the major adviser portals.

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