enhanced annuities



Note: Even if you don’t have a medical condition you may qualify for a higher annuity rate. Please fill in the form above to see if you qualify for an enhanced annuity rate!
Enhanced annuities are annuities that are for people who are projected to have a lower life expectancy due to a medical condition, and it is for this reason that they offer high rates.
Indeed, life expectancy or mortality is a major factor in determining how much you will get from your annuity – the lower your life expectancy, the higher your rate, and vice versa – which, in turn, can be affected by various things, such as age, gender and of course, the state of your health.
In order to check if you qualify for an enhanced annuity, here are some questions you should answer:
Are you suffering from one of the following medical conditions?
- Acute Respiratory Distress Syndrome
- Alzheimer’s Disease
- Amyotrophic lateral sclerosis
- Angina
- Arrhythmias
- Asbestosis
- Atherosclerosis
- Atrial fibrillation
- Bi-polar Disorder
- Bladder disease
- Brain haemorrhage
- Bronchiectasis
- Cancer
- Cardiomyopathy
- Cerebrovascular – Subarachnoid haemorrhage
- Chronic Asthma
- Chronic Obstructive Pulmonary Disease (COPD)
- Chronic Bronchitis
- Crohn’s disease
- Deep Vein Thrombosis
- Dementia
- Diabetes
- Digestive disorders
- Emphysema
- Endocarditis
- Heart attack
- Heart block
- Heart valve disorders
- Heart rhythm disorders
- Ischemic heart disease
- Kidney disease/Renal failure
- Liver disease
- Lymphoma
- Peripheral vascular disease
- Rheumatic heart disease
- Rheumatoid arthritis
- Schizophrenia
- Sleep apnea
- Stroke
- Tachycardia
- Tuberculosis
- Ulcerative colitis
(Keep in mind that this is not a complete list, but just a list of some medical conditions that may be considered for qualification for enhanced annuities.
Also, qualification is on a case-to-case basis, so even if you are suffering from one of these conditions, the company can still reject your application if your case is not serious enough to affect your life expectancy.
On the other hand, if your specific case is advanced and very serious, you may qualify for an impaired life annuity instead, which offers even higher rates.)
Do you smoke ten or more cigarettes per day? Since when have you been smoking?
Do you drink alcohol? What types and how much do you consume per week?
Do you have high cholesterol levels?
Do you have high blood pressure levels?
Is your weight way above what is recommended for your age?
Have you been previously hospitalized? For what reason and for how long?
Have you undergone any surgeries?
Have you ever been required to go through psychiatric treatment? If so, why was it required?
It is recommended that you get advice from a financial expert who can let you know which providers offer enhanced annuities, give you the most accurate annuity quotes and guide you in answering these questions and filling up forms so you can get the best rates.