Impaired Lives

When buying an annuity, ill health or smoking can often result in receiving a higher pension payment. An annuity pays a regular payment using money from your pension pot. If health problems reduce your life expectancy, you might be able to get a higher income. This is sometimes known as an enhanced annuity. These annuities are known as enhanced or impaired annuities

Health Problems

Examples of health problems that might entitle you to a higher income include:

  • Cancer
  • Chronic asthma
  • Diabetes
  • Heart attack
  • High blood pressure
  • Kidney failure
  • Multiple sclerosis
  • Stroke

You might also be able to get a higher monthly retirement income if you are overweight or if you smoke regularly.


To make sure you make the right choice, we strongly advise that you seek professional advice from a fully qualified and regulated Independent Financial Advisor. To arrange for a no obligations, initial free telephone consultation click here.