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 medical conditions.

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

The following list is provided to give you an indication of the kind of medical conditions, which we are able to consider for enhanced annuity 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)
  • Crohn's disease
  • Dementia (All types)
  • Diabetes
  • 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, including HOCM)
  • Heart - enlarged heart
  • Heart failure
  • Heart inflammation
  • Heart - pacemaker implant
  • Heart - prolapse valve
  • Heart - regurgitation
  • 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 - Amyloidosis
  • Liver - cirrhosis
  • Liver - hepatitis (unless hepatitis A and fully recovered)
  • Liver - other
  • Liver - Primary sclerosing cholangitis
  • 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
  • Spinal cord injury/paralysis
  • Ulcerative colitis

 

The above list is not exhaustive and we may be able to consider conditions, which are not 
listed. We've also provided a list of non-qualifying conditions below for you to refer to. If you suffer or have suffered from a serious medical condition but you're unsure of its name then you may still wish to provide us with information about your condition(s). We will request a report from your doctor, which will confirm your condition.

This list is provided to give you an indication of the kind of conditions that 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


Health information

It's important that you provide us with accurate answers to 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.

 

annuitysolutions@landg.com

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