• Around 70% of people can achieve an Enhanced annuity and have a higher pension income.

    Pension Annuities Direct

You can have a higher income for the rest of your life

We always aim to gain full underwriting for our clients which can provide greater income… Not all companies are the same.

Enhanced Annuities

With an Enhanced Annuities you can have a higher income for the rest of your life.

What are Enhanced Annuities?

Enhanced annuities work in the same way as a standard pension annuity but takes into account your lifestyle and health conditions and should you qualify will provide you with more income for the rest of your life than a standard pension annuity would provide. The structure of the enhanced annuity is the same as a standard pension annuity:

    • It is designed to provide you with an income and is payable for the rest of your life as a minimum.
    • The funds that you have saved into your pension fund are used to purchase enhanced annuities either from your existing pension company or a new pension provider.

Should you delay taking your pension

You can take your personal pension benefits from age 55 but should you take them now or later?

Call us to discuss…

The amount you receive as an income is dependent on:

      • The amount you have in your pension funds
      • Your age
      • The annuity rate at the time of purchase.

The rates between different companies can vary significantly and using your open market option to let someone such as ourselves shop for the best enhanced annuity rates makes sense.

Who Qualifies for an Enhanced annuity?

If you smoke you may qualify, if you are over weight and or drink a lot, you may qualify.

If you have high blood pressure, or high cholesterol you may qualify.

If you have heart disease including angina, suffer with diabetes, have had or have cancer you may qualify.

If you have had a stroke including a mini stroke or have respiratory problems including lung disease or have MS you may qualify.

There are many conditions that result in enhanced annuities, you can find further information available on conditions that Qualify for an Enhanced Annuity or contact us directly and we will identify whether you would qualify.

You are entitled to shop the “open market” yet only 44% of people take this option.

There is a significant difference between the income you can receive from the various pension providers , which may not be made obvious to you. We have the knowledge and experience to shop the market for you to obtain the most suitable option.

Pension Annuities Direct

Free No

  • Must be numerical (e.g 50,000)

0845 576 01 02

It can be a lot easier to talk
through what you would
like, so please feel free to
call one of our specialist
team to discuss your
pension annuity.

Calls are recorded for
training and quality purposes.

Case Studies

  • Mr T earned 21% MORE Pension Income

    Mr T was 55 years old and had a pension pot of £200,000. He wanted a single life annuity with a guarantee on the policy but no escalation. He has some lifestyle conditions and health issues, he is a heavy

    Read More…

  • Mr H earned 29% more pension income

    Mr H was 60 years old and had a pension pot of £30,000. He was a smoker and is taking medication for Cholesterol, although his readings were fine and he also suffered with vertigo. He wanted a single life annuity

    Read More…