Boost your income by 40% with poor health
Much has been said and written about smoking for many years, and increasingly the advice to people has always been to stop smoking wherever possible for the sake of your long term health and of those around you. However, we are not here to advise you on personal lifestyle matters but on annuity quotes and when it comes to smokers, enhanced and impaired health, you will find a wealth of information detailed on our website which we believe you will find most informative giving details of annuities at different ages and smoker, enhanced and impaired health annuity rates compared to standard annuity rates, which we believe is a very helpful comparison to have.
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Lifestyle conditions like smoking, being overweight, high blood pressure and Cholesterol can add 18% with up to 40% more income with poor health.
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UK postcode enhancements
Annuity providers will offer enhancements above their highest standard rates for different UK postcodes. This could increase the annuity by a further 5% and are based on geographic life expectancy. Using their historic information of deaths providers create an accurate picture of the life expectancy for areas around the country and can offer better rates where people live in areas with lower life expectancy.
This could be due to particular features of a location such as lifestyle, occupation or affluence preventing access to private health care that could lower life expectancy in a particular postcode area. People that live overseas will be offered the highest standard terms.
Control your fund using flexi-access drawdown
You no longer have to give away your fund to buy an annuity. Rather than buy an annuity you can take control of your fund using flexi-access drawdown or a fixed term plan.
At retirement many people have a collection of pensions from occupational money purchase schemes, State pension, AVCs and personal pensions. For many people they simply want to access their their pensions while they are young and can enjoy the benefits of their savings.
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Flexi-access drawdown plans let you access your fund easily, or a fixed term plan can give you an income and guaranteed fund at the end of the term.
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Find out how much you can receive from the highest standard annuity, either complete our quote form or call 020 8816 7501 today.
About Sharing Pensions
Sharingpension.co.uk was created by its founder Colin Thorburn in 2002 to provide a free pensions and annuity resource to hundreds of thousands of people at retirement making their decision making easier. Colin Thorburn has nineteen years experience in pensions and annuities, is an individual authorised by the Financial Conduct Authority and business is submitted through Blackstone Moregate Ltd which is authorised and regulated by the FCA (no. 459051).
Annuity Quotes – Free Quotes at Sharing Pensions
If you would like to find a fantastic pension annuity that will suit your needs and provide you with more income than others will, it is wise to browse the open market. Here at Sharing Pensions you can compare competitive annuity rates and get annuity quotes absolutely free.
Annuity Quotes for Different Types of Annuity
There are pension annuities of various types which should be considered depending on factors relating to your lifestyle and health conditions. The kinds of annuity available include the following:
• Standard annuity
• Smoker’s annuity
• Impaired health annuity
• Diabetes annuity
• With profits annuity
• Fixed term annuity
• Flexi-access drawdown
• Purchased life
• Immediate needs
Benefits of Open Market Annuity Quotes
With many financial products it is wise to look at the whole market rather than cherry picking a few providers and hoping that they will be able to give you the best package for you. People have vastly different needs when it comes to things like an annuity so annuity quotes should be sought from as many companies as possible. Here at Sharing Pensions you can find annuity quotes that compare all annuity providers and this benefits you by enabling you to find the most suitable product for you, which will provide you with the best possible income. Of course, the fact that annuity quotes are completely free here is an added bonus and one that means you really have nothing to lose and everything to gain.
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