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Enhanced annuities

More than half our annuity clients qualified last year - could you?

Compare annuity quotes

What is an enhanced annuity?

Enhanced annuities pay you a higher income because of your health and lifestyle choices.

Even some fairly common conditions can increase your income. For example diabetes, high blood pressure or high cholesterol. You could get a higher income by just confirming your height, weight and relationship status. Smoking and past smoking usually qualify too.

You can find out if you qualify in minutes. It's important to confirm as much information as you can, including your partner's details, to make sure you get the highest income possible.

How much more could you get?

Take a look at the chart below to see how much extra income people receive when they confirm health and lifestyle information.

How much you'll receive will depend on your pension value, the options you choose and your personal circumstances.

Created with Highcharts 4.2.6 Gross income per annum Annual income from a £100,000 pension £6,348 £6,395 £7,021 £6,855 £8,618 No health details High blood pressure & cholesterol High blood pressure & cholesterol Diabetic Smoker - 10 a day Stroke £0 £2,000 £4,000 £6,000 £8,000

We generated these quotes using our online annuity quote tool on 21 July 2022. All quotes are for a single life annuity, paid monthly in advance, with no escalation or guarantees built in. Quotes are for a married man aged 65 with a wife 3 years younger, who lives in an area which has an average life expectancy. When health details have been added, we've also said they drink 7 units of alcohol a week and have a Body Mass Index of 27. Annuity rates change all the time, so they could be higher or lower in the future.

It’s easy to see if you could qualify. Include health and lifestyle details when using our online annuity service and you’ll receive quotes from the UK’s leading providers within minutes.

Providers might ask you to take a test to confirm if you’re a smoker. They may also ask your GP for a medical report to confirm your health.

Compare annuity quotes

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Boring Money


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If you have any questions about annuities, you can speak to one of our UK-based client support experts.

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