Margaret

Margaret has suffered with two heart attacks eight years ago and had a stent fitted following the first heart attack. Margaret then had a heart bypass following the second heart attack two weeks later. Due to the reduction of exercise 65 year old Margaret is overweight and has to take one medication a day to prevent further heart attacks and a further daily medication to control her cholesterol. Based on these health conditions and lifestyle factors, with enhanced underwriting Margaret’s case could qualify for up to a 62% enhancement over the lowest Open Market Option annuity rate.

Scenario is based on a female aged 65 with a fund value of £45k. Quoted Single Life, 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 16/12/11.

Richard

Richard, aged 65 was diagnosed with Chronic Kidney Failure 10 years ago which has now progressed to end-stage disease. As a consequence, Richard has to take daily medication for the kidney disease and has to undergo dialysis which he started eight years ago. Due to his symptoms Richard was hospitalised earlier in the year and is now on the transplant waiting list. Based on these health conditions and lifestyle factors, with enhanced underwriting Richard’s case could qualify for up to a 66% enhancement over the lowest Open Market Option annuity rate.

Scenario is based on a male aged 65 with a fund value of £45k. Quoted Single Life, 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 16/12/11.