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Impaired Health Annuities

Get up to 40% More Annuity Income

Impaired health annuities (sometimes called impaired life annuities) aim to provide a higher annuity income for those people who meet certain health criteria.  In life assurance, poor health normally means that you are penalised, however, the opposite is true with annuities where poor health, and consequently decreased life expectancy, means that you enjoy higher annuity rates.

Conditions for which a person may qualify for an impaired health annuity include: Chronic Heart Disease, Chronic Lung Disease, Motor Neurone Disease, Parkinson's Disease, Hodgkin's Disease, Alzheimer's Disease, Serious Stroke, Some primary malignant cancers & secondary malignant cancers, Multiple Sclerosis, Alzheimer's Disease. 


The number of insurance companies offering impaired health annuities is growing rapidly and each application is individually underwritten to ensure that your full details are taken into account. Impaired health annuities are available for both pension and non-pension annuities.

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Compare impaired health annuities

Our Annuity Service provides:

  • Up to 40% more annuity income depending on your pension provider
  • Information on impaired life annuity arrangements
  • Assessment of your circumstances to find the most suitable type of annuity for you or whether there are any other options more suited to you.
  • Comparing annuity rates to ensure that you maximise your annuity income.
  • Explaining the options available to you and ensuring that you fully understand them.
  • Helping you with the relevant paperwork to ensure that you annuity is processed smoothly.


 Important Risk Information:

This website contains information only and does not constitute advice or a personal recommendation in any way whatsoever. The value of investments and income from them can fall as well as rise and you may not get back the full amount invested. The tax efficiency of ISAs is based on current tax law and there is no guarantee that tax rules will stay the same in the future.

Different types of investment carry different levels of risk and may not be suitable for all investors. Please ensure that you read the Important Risk Information for further details. Prior to making any decision to invest, you should ensure that you are familiar with the risks associated with a particular investment and should read the product literature. If you are in any doubt as to the suitability of a particular investment, both in respect of its objectives and its risk profile, you should seek independent financial advice.