We specialise in enhanced annuities; they are based specifically on any health or lifestyle conditions you may have, which means we can offer higher rates compared to standard annuity providers. Qualifying for an enhanced annuity could typically mean an increase in your retirement income of around 43%* compared to the lowest standard annuity. Whether you could receive more or less than this depends on the specific health or lifestyle condition(s) you have.
As the UK’s leading provider of enhanced annuities, we have helped tens of thousands of customers improve their income in retirement.
A broad range of health and lifestyle conditions could qualify. Just Retirement has provided enhanced annuities based on over 1,500 different medical and lifestyle conditions, either alone or in combination.
Lifestyle factors such as smoking and drinking, or relatively mild health conditions such as high cholesterol may qualify as well as more severe conditions such as certain cancers and types of heart disease.
This could mean an increase of around 55% (and sometimes even higher) in the amount you can receive compared to the lowest standard annuity for serious medical conditions, around 43% more income for moderate conditions and around 24% for more minor conditions.*
It's probably easier than you think to qualify
We estimate that 60% of people could qualify for an enhanced annuity. As everyone’s circumstances are different, before you make any decisions we strongly encourage you to seek personal advice from a financial adviser. But to give you an idea, you could well be eligible for an enhanced annuity if:
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1. You smoke
2. You currently take, or have ever taken, prescription medicine
3. You've ever been hospitalised for a medical condition
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Next steps Always ask your adviser to ensure all your medical details are taken into account when assessing your options.
If you don't have a financial adviser then Unbiased.co.uk could help you find one.
* Based on a male aged 65, with a £45k fund, 5 years guaranteed, no escalation, no value protection, based on RH2 7RU postcode, compared to the lowest standard annuity rate offered via Avelo Exchange on 06.03.12.
Useful linksViews from our customers
Case studies
Our enhanced annuity policy terms
Our enhanced annuity key features document