Important: The information on our website is not personal advice but we can offer advice if specifically requested. What you do with your pension is an important decision, which could be irreversible. Make sure you understand your options and check they are suitable for your circumstances: take appropriate advice or guidance if you are unsure. The Government's free Pension Wise service can help. It provides impartial guidance face-to-face, online or by phone - more on Pension Wise.
An enhanced annuity (also known as an impaired life annuity, ill health annuity or smoker annuity) pays you a higher retirement income than a standard annuity because of your health and lifestyle. Last year 71% of our annuity clients qualified for an enhanced rate. This higher income is paid for life.Compare enhanced annuity rates now
Last month our clients were quoted on average £1,002.85* more income each year, for life. Simply enter your health and lifestyle details as part of your annuity quote and compare live enhanced annuity rates on screen.Compare enhanced annuity rates now
Thousands miss out on an enhanced annuity because they're not aware they qualify - even minor conditions count. Our online enhanced annuity service makes it easy to check your eligibility in only five minutes. You don't have to be seriously ill to qualify, if you smoke, are overweight, drink alcohol regularly or take any prescribed medication you could increase your annuity income.
Our clients increased their annual annuity quotes by £1,002.85* on average last month due to medical or lifestyle conditions. A handful of qualifying medical conditions are listed below, but there are many more.
To find out how much more income you could receive, simply enter your health and lifestyle details as part of your online annuity quote. You'll receive instant, guaranteed enhanced annuity rates from seven top providers. All information is secure and confidential.
Some annuity providers may ask you to take a cotinine test to confirm you are a smoker. Some enhanced annuity providers may ask your GP for a medical report, with your consent, to confirm your health status.
Hargreaves Lansdown enhanced annuity providers
If you're unsure if you qualify for an enhanced annuity income, please don't hesitate to contact one of our specialists on 0117 980 9940 and they'll be happy to answer your questions.
* Average increase quoted in November 2017, based on the top and bottom rate for 323 clients. Actual increases will depend on your pension value and personal circumstances.