If you decide to add a spouse (or partner's) pension to your annuity, you could be offered extra income as a result of their health risks and medical conditions.

Enhanced annuities.

three generations together

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 on our enhanced annuity.

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 diet controllable Type 2 diabetes, high blood pressure, high cholesterol or high/low body mass. The more serious your health risk(s), the more income we could be able to offer you.

Enhanced annuity

Our enhanced Pension Annuity offers potentially larger increases to your pension income where you have developed one or more medical conditions. Again, the more serious your condition(s) the more we could be able to offer you.

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. 

Health information
It's important that you provide us with accurate answers to lifestyle health and medical questions to ensure that you're paid the right income. We may request a report from your doctor and if this doesn't support the information you have provided to us, then your income may be reduced and at worst, you may receive our lowest standard annuity rate. We'll then recover any overpaid amounts from you.

Call us for a quote

0800 048 0302

Monday to Friday, 9am to 5pm

We may record and monitor calls. Call charges will vary.



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Try our calculator to see how much income we could offer you. Get a quick idea how adding different options could affect your income.

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