Impaired life annuities may be available to people who suffer from certain serious medical conditions such as cancer, heart disease, stroke etc. Because of the reduced life expectancy these conditions bring with them, insurers are able to pay a higher level of income compared with a standard annuity.

Normally full medical details are required in order to obtain enhanced rates, and for this reason it usually take slightly longer to obtain quotations. However the increased income can make the extra effort well worthwhile, even for quite small pension funds, so please ring us for further details if you think you may qualify.

Impaired life annuity rates can also be available for people using their own money (as opposed to a pension fund) to purchase an annuity, and this can take the form of either a Purchased Life Annuity or an Immediate Care Annuity (sometimes known as a Long Term Care Annuity).

In addition, people who regularly smoke, are overweight, or have less serious conditions such as high blood pressure, high cholesterol, diabetes, etc, can frequently qualify for and Enhanced Annuity. These often require less underwriting than impaired life annuities, but can still make a worthwhile difference to your income.

For all these annuities, each case is assessed individually. Please be sure to let us know if you think you may qualify for any of the above.

Call  0845 123 5590  or  01325 487192