Not approved for use with customers | Go to customer site | Group site | Contact us | Register | Login |
'Enhanced until proven standard...' The quick rule of thumb should be that it is worth assuming that everyone will qualify for an enhancement to their annuity income unless, through the fact-finding process, it can be proven otherwise.
For further information on some of the medical conditions presented to Just Retirement for underwriting, you can access the glossary of common medical conditions in our underwriting guide.Below are three case studies to get you thinking
Age: 71Smoker: NoConditions: Polio/hypothyroidism/aortic valveFull Underwriting: After completing the Common Quotation Form (CQF) in just 10 minutes, Penny's adviser could recommend Just Retirement and an increased retirement income of 27%.Simplified underwriting: In this case, simplified underwriting would not have produced a quote.
Our expertise has enabled us to provide enhanced annuities to tens of thousands of financial intermediaries' clients who have benefited from underwriting on more than 1,500 medical conditions alone or in combination added lifestyle qualifying conditions. In fact, our research indicates that up to 60%* of cases could qualify for an enhanced annuity.
Useful linksUse our better annuity outcome calculator to see the benefits of full underwritingGet an enhanced annuity quoteRead up on a range of case studies