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Enhanced Pension Annuity

Enhanced Pension Annuity

Our Enhanced Pension Annuity can offer clients extra income where they've one or more medical condition or lifestyle health risk.

Your client's income will be based directly on their health at the time they buy their annuity. It's important that you give us full and accurate information about any medical conditions and/or lifestyle health risks. Terms and conditions apply to enhanced annuity rates.

The following are not exhaustive lists and we may be able to consider other conditions. Please contact us if your client has a condition not listed here or on the non-qualifying conditions below.

Potentially qualifying medical conditions

Alcohol consumption
Alzheimers
Amyotrophic lateral sclerosis (ALS)
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)
Crohns Disease
Dementia (all types)
Diabetes, type 1
Diabetes, type 2
Haemochromatosis
Heart - angina
Heart - aortic aneurysm or abdominal aortic aneurysm
Heart - arrhythmia
Heart - atrial fibrillation
Heart attack
Heart block
Heart - brachycardia
Heart - cardiomyopathy (All types, including HOCM)
Heart - enlarged heart
Heart failure
Heart inflammation
Heart - supraventricular tachycardia (SVT)
Heart - tachycardia
Heart valve disorder (mitral, aortic, bi-cuspid, congenital, from birth)
Heart valve replacement
Heart - ventricular ectopics
High blood pressure
High cholesterol
HIV/AIDS
Huntington's disease / chorea
Kidney - (end stage) renal failure (ESRF)
Kidney - chronic kidney disease (CKD)
Kidney - glomerulonephritis
Kidney - polycystic kidney disease (PKD)
Kidney - transplant
Liver - amyloidosis
Liver - cirrhosis
Liver - hepatitis (unless hepatitis A and fully recovered)
Liver - primary sclerosing cholangitis
Liver - transplant
Major organ transplants
Motor neurone disease
Multiple sclerosis (MS) all types
Muscular / myotonic dystrophy
Obesity
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
Smoking (Current or Previous)
Spinal cord injury / paralysis
Ulcerative Colitis

Non-qualifying medical conditions

Our underwriting guide

Accurate underwriting is essential to providing your clients with the maximum income we can offer. Read our guide for more information.

PDF file: Download our guide PDF size: 1721 KB

Key documents

PDF file: Pension Annuity Key Features PDF size: 1457 KB

PDF file: Pension Annuity Product Summary PDF size: 71 KB

PDF file: Pension Annuity Terms and Conditions PDF size: 876 KB

PDF file: Our underwriting guide for advisers PDF size: 1721 KB

PDF file: Pension Annuity Application Form PDF size: 483 KB

PDF file: Pension Annuity Trustee or Administrator Form PDF size: 828 KB

Broker Quotes Specialists

Speak to our team for help with your Pension Annuity or fixed term annuity quotes. Call our team on

0345 071 0040

Monday to Friday 9am – 5pm*

Or email them**

Multi-Pet Discount Terms and Conditions

This website is designed to give professional financial advisers information and tools that they can use to help control and develop their business and should not be relied upon by private investors or any other persons.