Our enhanced annuity offers clients extra income from their annuity where they have developed one or more medical conditions. 

The more serious the condition(s) the more we’ll be able to offer, with up to 40% extra income a year (for life!).

We have provided the following list to give you an indication of the kind of medical conditions which we’re able to consider for enhanced rates:

Alzheimers Amyotrophic lateral sclerosis (ALS) Bi – polar disorder Brain tumour Cancer (all types) Cerebrovascular accident (CVA) Cerebrovascular – brain haemorrhage Cerebrovascular – lacunar infarct Cerebrovascular – stroke Cerebrovascular – subarachnoid haemorrhage (SAH) Cerebrovascular – transient ischaemic attack (TIA) Deep vein thrombosis (DVT) or pulmonary embolism (PE) Dementia (All types) Diabetes, type 1 Diabetes, type 2 Haemochromatosis Heart – angina Heart – aortic aneurysm or abdominal aortic aneurysm Heart – arrhythmia Heart – atrial fibrillation Heart attack Heart – av block Heart block Heart – brachycardia Heart – bradycardia Heart – cardiomyopathy (All types, incl HOCM) Heart – endocarditis/myocarditis/pericarditis/viral heart infection Heart – enlarged heart Heart failure Heart inflammation Heart – pacemaker implant Heart – prolapse valve Heart – regurgitation

Heart rhythm disorder Heart - stenosis Heart - supraventricular tachycardia (SVT) Heart – tachycardia Heart valve disorder (mitral, aortic, bi –cuspid, congenital, from birth) Heart valve replacement Heart – ventricular ectopics HIV/AIDS Huntington's disease/chorea Kidney – (end stage) renal failure (ESRF) Kidney – chronic kidney disease (CKD) Kidney – glomerulonephritis Kidney – other Kidney – polycystic kidney disease (PKD) Kidney – transplant Liver – cirrhosis Liver – hepatitis (unless hepatitis A and fully recovered) Liver – other Liver – transplant Major organ transplants Motor neurone disease Multiple sclerosis (MS) all types Muscular/myotonic dystrophy Parkinson's disease Peripheral vascular disease (PVD) or intermittent claudication Respiratory – asbestosis Respiratory – asthma Respiratory – bronchiectasis Respiratory – chronic bronchitis Respiratory – chronic obstructive pulmonary disease (COPD) Respiratory – emphysema Respiratory – pleural plaques Respiratory – pulmonary fibrosis Rheumatoid arthritis Schizophrenia

The above list is not exhaustive and we may be able to consider conditions, which are not listed. If you can’t see your client’s condition above, please contact us, although you may want to consult the non–qualifying conditions below first.

Exempt conditions

The following list of exempt conditions is provided to give you an indication of the kind of conditions we aren’t able to consider for enhanced annuity rates:

Abnormal smear (history of) Amputation due to trauma only Anal fissure Ankylosing spondylitis Anxiety Appendicitis (full recovery) Back pain / back injury (not causing paralysis) Bereavement reaction Boil Bunion Burns Carpal tunnel syndrome Cataract Chest Infection (simple, full recovery) Coeliac disease Constipation only Cough / colds Cyst (simple)  Depression (history of, reactive, full recovery) Diarrhoea, full recovery Dermatitis Disc prolapse Dislocation of joint Diverticulitis Dyspepsia – full recovery Eczema Endometriosis – full recovery Epididymitis – history of Fibroids – excised, diagnosis confirmed Food – allergy Food – poisoning Fractures – simple, full recovery Gallstones – removed, full recovery Ganglion Glandular fever – full recovery

Hernia Indigestion – full recovery Irritable bowel syndrome – sinister disease specifically excluded Lumbago Menopause – history of, sinister cause excluded Miscarriage, history of Obsessive compulsive disorder Orchitis Orchidectomy – malignancy excluded Otitis externa Otitis media Phobia Pilonidal sinus Pneumonia – history of full recovery Post natal depression – history of Post – traumatic stress disorder Pregnancies – no complication(s) Pruritis Pulled muscles Rheumatic fever – childhood, full recovery Sciatica Scoliosis Sinusitis Stiff neck / back Stomach upset / bug Stress Tennis elbow Thyroid – overactive Thyroid – underactive Tinnitus Trapped nerve Upper respiratory tract infection Urinary tract Infection – full recovery Virus – simple, full recovery Wart Whiplash injury

Your client’s income will be based directly on their health at the time they buy their annuity and we may request a report from their doctor (after their annuity has started) to check the medical information that they provided. If the report doesn’t support the information provided, we may remove some or all of the enhancement from their future pension payments and recover any overpaid amounts. Therefore, it’s important that the form is completed as fully and as accurately as possible.