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.

Extra income for health risks.

Annuity Plus

If you smoke, are underweight or overweight, or you have been diagnosed with diet controllable Type 2 diabetes, high blood pressure or high cholesterol then you could qualify for extra income with Annuity Plus.

You’ll just need to answer a few simple questions over the phone about these lifestyle health risks, and we can give you an instant quote. Our Annuity Plus health questionnaire (PDF: 271KB) will give you an idea of the questions we'll be asking and the information we need for each of the risks.

It’s important that you provide us with accurate answers to our Annuity Plus health 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 on 0800 048 0302 to see if we could offer you more income from your annuity for life.

Read more about these five common health risks below:


Around 10 million adults in Britain (one in five) smoke cigarettes. Cancer Research, 2012
  • 21% of men and 19% of women are smokers. Action on Smoking and Health, 2013
  • In 2011, men smoked on average 13 cigarettes a day, compared with 12 for women.
    Action on Smoking and Health, 2013
  • Smoking is an underlying cause of many medical conditions. If you have smoked 10 or more cigarettes a day for at least the last 10 years, you could qualify for extra income. 

Type 2 diabetes

Diabetes affects 2.9 million people in the UK. It is thought that a further 850,000 people have the condition but are not aware of it. National Health Service (NHS), 2012
  • Since 1996 the number of people diagnosed with diabetes has more than doubled and by 2025 it is estimated that over five million people will have diabetes. Diabetes UK, 2012
  • Around 90% of all adults in the UK with diabetes have Type 2 diabetes. NHS, 2012
  • If you have been diagnosed with diet controllable Type 2 Diabetes by your doctor you may qualify. 

High blood pressure

One in three adults in the UK has high blood pressure and this rises to at least one in two over-65s. Age UK, 2013
  • High blood pressure is blood pressure that is consistently at or above 140/90 mmHg. Blood Pressure Association (BPA), 2010
  • 32% of men and 30% of women have high blood pressure. The only way to know if you have the condition is to have your blood pressure regularly measured. BPA, 2010
  • If your doctor diagnoses you as having high blood pressure and prescribes drugs for your condition then you may qualify for extra income. We'll just need a recent blood pressure reading from you. 

High Cholesterol

Two thirds of adults in the UK have high cholesterol. Heart UK, 2012
  • The Government recommends that cholesterol levels for healthy adults should be less than 5mmol/L. On average, men in England have a cholesterol of 5.5mmol/L and women have a level of 5.6mmol/L. NHS, 2011   
  • If your doctor diagnoses you as having high cholesterol and prescribes drugs for your condition then you may qualify for extra income. We’ll just need a recent cholesterol reading

High or Low Weight (Body Mass Index)

In 2010, over 60% of adults in England were overweight or obese. Department of Health, 2012
  • BMI stands for Body Mass Index. It gives you an idea of whether you're underweight, overweight or ideal weight for your height. If your BMI is outside of the ideal range, health risks may increase. British Heart Foundation, 2013
  • In adults, a BMI over 25 means that a person is considered to be overweight. A BMI of 30 or more means that a person is considered to be obese. NHS, 2013
  • In the UK, between 6 and 7 out of 10 men have a BMI over 25. This figure is between 5 and 6 out of 10 for women. Around 1 in 4 men and women in the UK have a BMI of 30 or above. Patient.co.uk, 2013 
  • You may qualify for extra income if your BMI score is above a certain level. You could also qualify if your BMI score indicates you're underweight.

Your choice

More income doesn’t mean less choice. If you do qualify for extra income as a result of one or more health risks, you will still have all the same annuity options available as you would when buying our standard Pension Annuity (except for yearly RPI increases).

Buying an annuity is an important one-off decision so it is important to take the opportunity to get more from your annuity when it is available.


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