Enhanced annuities.

If you have been diagnosed with one or more health risks or conditions, we may be able to offer you enhanced rates on our Pension Annuity. This could mean you get extra income each year.

If you qualify for enhanced rates, you will have the same options as you would from our standard Pension Annuity. The only exception being that you will not be able to choose for your income to increase in line with the Retail Prices Index.

Annuity Plus

Annuity Plus offers extra pension income based on five common lifestyle health risks. We can give you an instant quote over the phone. You could qualify if you’re a smoker or have been diagnosed with Type 2 diabetes, high blood pressure, high cholesterol or high/low body mass.

Your enhanced annuity income could be increased by up to 22% a year for health risks. The more serious your risk(s), the more income we’re able to offer.

Enhanced annuity

Our enhanced annuity offers potentially larger increases to your pension income where you have developed one or more medical conditions. The more serious your condition(s) the more we’ll be able to offer, with increases of up to 40% a year.

There are a number of more serious potentially qualifying medical conditions  that could qualify you for extra income. You will be asked to complete a health questionnaire to provide us with more information about your condition(s) and we may contact your doctor before deciding on what income we can offer you from your enhanced annuity.

The income we offer you will be based on your health at the time you buy your enhanced annuity and we won't be able to offer you more income at a later date if your health deteriorates.