Impaired Annuity Guide – Did You Know That if You Qualify for an Impaired Annuity You Could Get Up to 40% More Income From Your Pension Provider?

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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!

Do you want to get high annuity rates?

Checking annuity quotes online can be a time-consuming task, not to mention that the rates are often so inaccurate that you can’t really use them, which is why it is better to get a financial adviser who will be your guide in shopping around for the best annuity.

By taking a few seconds to fill up our no-obligation form, we can have someone from our team of expert independent financial advisers get in touch with you so you can get free and accurate advice in taking advantage of your Open Market Option.

What is the Open Market Option?

The Open Market Option gives you the freedom to browse the market and consider other providers instead of simply availing of the annuity your pension provider is offering. By using this option, you can qualify for types of annuities that offer up to 40% higher rates, like the impaired annuity.

What is an Impaired Annuity?

Like the enhanced annuity, an impaired annuity is a type of annuity that can be availed by people suffering from medical conditions. The difference, though, is that the conditions that qualify for an impaired annuity are more serious, incurable or life threatening if not terminal, such as:

HIV/AIDS
Breast cancer
Chronic heart disease
Chronic lung disease
Colorectal cancer
Creutzfeldt-Jakob Disease
Motor Neurone Disease
Alzheimer’s Disease
Parkinson’s Disease
Pancreatic cancer
Prostate cancer
Hodgkin’s Disease
Kidney failure (severe with ongoing dialysis)
Liver failure
Leukemia
Lung cancer
Lung failure
Multiple myeloma
Multiple Sclerosis (with wheelchair support)
Stroke (with paralysis)

On the other hand, there is a wider variety of conditions that can qualify for an enhanced annuity, including:

Angina
Arrhythmias
Atherosclerosis
Atrial fibrillation
Bladder disease
Cardiomyopathy
Chronic Asthma
Chronic Obstructive Pulmonary Disease (COPD)
Crohn’s disease
Dementia
Diabetes
Digestive disorders (some types)
Emphysema
Endocarditis
Heart attack
Heart block
Heart valve disorders
Liver disease
Lymphoma
Peripheral vascular disease
Rheumatoid arthritis
Ulcerative colitis

Some lifestyle conditions qualify, as well, such as:

Chain smoking
Obesity
Excessive consumption of alcohol

Impaired annuity rates are higher than enhanced annuity rates because impaired annuities work on the premise that the investor does not have long to life, generally five years or less. The more serious or advanced the condition is, the higher the rate.

Keep in mind that impaired annuity providers will request various medical documents as proof of your condition, and may even request a GPR or General Practitioner’s Report. Some also work strictly with financial advisers.

Click here to fill up our no-obligation enquiry form and get in touch with a financial adviser who can help you check if you qualify for an impaired annuity or enhanced annuity.