Enhanced Annuities Service

Expert Financial Solutions can source the best annuity for your circumstances and requirements.

If you have one or more adverse medical conditions you may qualify for an enhanced annuity on the grounds of health; these are often called ‘impaired life annuities’.

An enhanced annuity can increase your annuity income by as much as 30% p.a.

The insurer will require a medical report from your doctor and they will normally meet the cost of this, there will be no need for you to have a medical examination.

6 leading insurers now have a common medical questionnaire which we can supply on request; this will enable a full assessment of your circumstances, leading to the best annuity quotation for you.

The following is a list of some conditions that may qualify for enhanced terms: -

Alzheimer’s disease.
Regular cigarette smoker in excess of 10 per day or the equivalent cigars or tobacco for at least ten years.
History of heart attack or chronic heart disease.
High blood pressure / high cholesterol / hypertension.
Multiple sclerosis.
HIV / AIDS.
Hodgkin’s disease.
Dementia.
Motor neurone disease.
Parkinson’s disease.
Diabetes mellitus.
Lung conditions including: chronic asthma, emphysema.
Bladder, bowel or liver complaints.
Cancer including lung, bowel, breast, pancreas or liver.
Obesity.
Cerebral vascular incidents (strokes).

For an annuity quotation or for more information and advice on annuities please contact us at info@expertfs.co.uk

December 2007

Expert Financial Solutions Ltd are independent financial advisers (IFA) / financial planners based in Witney, Oxfordshire. We serve the local community in and around Abingdon, Banbury, Bampton, Bicester, Burford, Chipping Norton, Cheltenham, Cirencester, the Cotswolds, Henley on Thames, Kidlington, Lechlade, Oxford, Wantage, Witney and Woodstock. We specialise in pensions, retirement planning, pension annuities, investments including PEP, ISA, OEIC, unit trusts and investment bonds, and inheritance tax (IHT) mitigation and trust investment. One of our advisers is a Chartered Financial Planner and we are proud of having Oxfordshire's only Resolution qualified and accredited IFA for pensions on divorce.