Qualifying medical conditions

Our enhanced annuity can offer clients extra income where they've one or more medical condition or lifestyle health risk.

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.

Medical conditions

Qualifying medical conditions

  • 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)
  • 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 - 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
  • Spinal cord injury / paralysis

Non-qualifying medical conditions

  • 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)
  • 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 (OCD)
  • 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 (PTSD)
  • 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

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.