Enhanced Annuity
An enhanced annuity turns your pension savings into a guaranteed income for life, taking your health and lifestyle into account. If you have certain medical conditions or lifestyle factors, you could qualify for a higher income than a standard annuity would offer.
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Enhanced Annuity
Enhanced (or impaired-life) annuities offer higher rates to people with certain medical conditions or lifestyle factors, such as smoking or high blood pressure. These recognise shorter life expectancy in exchange for higher income.
Pros:
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Potentially higher income for eligible applicants.
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Reflects personal health and lifestyle for a fairer outcome.
Cons:
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Requires full medical disclosure to determine eligibility.
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Rates vary widely between providers – comparing quotes is essential.
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