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Diabetes enhancement
Following the introduction of the smoker enhanced rates, in 1996 life companies introduced other common life style and medical conditions such as diabetes that have seen an increase in occurance in the UK population.

There are different types of diabetes that carry different risks and this affects the enhanced rates offered. the three categories are as follows:

The highest risk is insulin dependent diabetes as this can result in related diseases of the kidney, eyes, heart and poor circulation. There are also degrees of insulin dependent diabetes requiring the individual to take insulin between one and four times a day, or more in extreme cases and this coupled with other medical conditions can decrease life expectancy and therefore increase the annuity rates offered by life companies.


annuity rates table - diabetes
These rates tables are for impaired health annuitants. For other rates try;
standard rates
impaired rates
immediate needs rates
smoker rates
with profits rates
purchased life rates


SINGLE LIFE - diabetes

The following pension annuity table is for a 60 year old male, showing the best diabetes enhanced open market option income for a compulsory purchase annuity, from a pension fund of £100,000, after the tax free lump sum has been taken and on a level basis. The annuity is paid in arrears on a single life and does not include a guaranteed period.

The income from the diabetes enhanced annuity would provide the annuitant with a gross income 2.5 times greater than a standard annuity and 3 times greater than the lowest rate payable for the whole of his life.


Medical conditions
If you suffer from other medical conditions in addition to diabetes, you could be entitled to further enhancements offered from an impaired health annuity.

An individual may have suffered from a number of medical conditions in the past or at present that could mean he or she can qualify for an enhanced or impaired life annuity. Some of the conditions for enhanced rates are are as follows:

It may be necessary for the annuitant to have more than one of the above conditions before an enhancement is offered. The following table shows conditions required for the higher individual impaired rates:

This list is not exhaustive and when making an application for an enhanced or impaired health annuity it is important to state all medical conditions in order for the pension income to reflect the expected reduction in the annuitants life expectancy.

General Practitioners Report
Where the annuitant suffers from ill health and is applying for an enhanced or impaired life annuity, it is common practice for the insurance company to request a General Practitioners Report (GPR). They do this to ensure that the details given in the application form are correct before paying the annuitant an income.

When people are younger and applying for life assurance the underwriters could find reason in the GPR to load the premium (increase) if they feel that your medical condition creates a higher risk, and this works against the individual.

However, with an enhanced or impaired life annuity the worse the medical conditions the higher will be the income paid to an annuitant. Where the individual is uncertain of the details of a medical condition because it occurred a long time ago, a GPR can clarify to the underwriters its severity.   Bookmark with: What are these?       resources   annuity pages   annuities   --------- select from --------- our services quotes & enquiries annuity directory your options open market option quote standard quote smoker quote diabetes quote impaired quote immediate needs quote with profits quote purchased life tax free lump sum with profits annuity smoker annuities diabetes annuities impaired annuity long term care immediate needs purchased life annuity annuity rates phased retirement income drawdown other annuity options annuity questions decision tree   --------- select from --------- advance or arrears annuity annuity quotes annuity rates annuity taxation anticipated bonus rate capital and interest capital protection complusory purchase deferred annuity enhanced annuity fixed rate escalation guaranteed period immediate needs impaired life level annuity medical conditions mortality mortality drag mortality profit open annuity open market option pension drawdown phased retirement purchased life RPI escalation single or joint life specialist advice staggered vesting survivors pension temporary annuity unit linked annuity with overlap with profits annuity with proportion   private pensions   pensions in retirement   --------- select from --------- appropriate pension buyout policy carry back relief carry forward relief FSAVC fund value insured pension money purchase pension fund pension term assurance personal pension private managed funds private pension scheme retirement annuity section 226 policy section 32 policy segmentation SIPP scheme stackholder pension   --------- select from --------- annuity annuity interest rate commutation compulsory purchase defined benefits defined contribution early retirement lump sum open market option pension drawdown pension withdrawal pension income phased retirement purchased life annuity retirement benefits staggered vesting tax free lump sum   employer pensions   pension terms   --------- select from --------- accural rate added years AVC approved scheme armed forces pension associated employers bulk transfer continuous service contracted in contracted out defined benefit scheme defined contribution dynamisation early retirement eligibility employer pension equalisation rules executive pension exempt approval final salary pension FURB scheme group pension headroom check hybrid scheme indexation limited price indexation MFR occupational pension public service scheme qualifying service reckonable service refund contributions relevant benefits revaluation salary sacriface SDC scheme SSAS temporary absence UURB scheme Winding up   --------- select from --------- concurrent membership contributions contributory scheme critical yield gross net contributions members pension rights non contributory normal pension age pension audit pension arrangement pensionable service pensions pensions review polarisation reduction in yield regular contributions retail price index retirement age scheme member state pension age tied agent