An Enhanced Annuity allows you to potentially increase the income you receive when you retire, by taking into consideration medical and lifestyle conditions of both you and your partner. When going through a health questionnaire it is important to be as thorough as possible. Many things could affect the amount of income you receive.


Annuity providers determine the amount of income you’ll receive by both the size of your fund and your life expectancy.

You could increase your income based on things such as;

  • Whether you smoke
  • Your job before you retired
  • Previous medical history
  • Any medication which you may be taking
  • Your weight
  • Even where you live

Using this information they will estimate your life expectancy, and potentially enhance your income. It is estimated that 45% of people could qualify for an enhanced annuity and increase their income by up to 40%. Unfortunately many people do not know about this option and fail to tell their providers, meaning that they are losing out.

Not all annuity providers provide Enhanced Annuity rates so it is important to shop around.


This website uses 'cookies' to give you the best, most relevant experience. Using this website means you’re OK with this. You can change which cookies are set at any time - and find out more about them - by following this link, or by clicking the cookie link at the bottom of any page.
This message will close within 20 seconds.

Accept all cookies