If you choose to add a spouse or partner's pension to your annuity, their health issues can be taken into account when seeing if you qualify for our enhanced rates (income).

Extra income for health risks.

If you smoke, are underweight or overweight, or you have been diagnosed with high blood pressure then you could qualify for extra income with our enhanced annuity.

You’ll just need to answer a few simple questions over the phone about these health and lifestyle risks, and we'll give you an instant quote. Our Lifestyle questionnaire (PDF: 226KB) 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 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.

The common lifestyle health risks that could qualify you for extra income are:

  • Smoking

  • High blood pressure

  • High or Low Weight (Body Mass Index)

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.


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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Pension Annuity

Our Pension Annuity helps you to plan for your future with the certainty that your income will never fall.

Enhanced annuities

We could offer you extra income from our Pension Annuity if you have one or more qualifying health risks or medical conditions.

Free Healthy Living service

Register today and let us help you take the next steps to a healthier lifestyle. Create your personal 12-week plan focussed on helping to improve your health.