Your Annuity
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The Pension Annuity Advisory Service is a trading style of Richmond Independent, which is an appointed representative of John Ellis IFA Ltd which is authorised and regulated by the FSA  
Affecting factors > health

Your life expectancy can vary according to your current state of health, and consequently this will have an impact on annuity rates offered to you.


Illness
If you currently have a serious medical condition then you may be able to obtain enhanced annuity rates. You need to enquire about "Impaired Life" annuities (see menu under 'Annuity Types').


Lifestyle
If you smoke cigarettes regularly over a number of years, you will probably be able to receive enhanced annuity rates, as smoking can significantly affect your life expectancy. You need to enquire about "Lifestyle" annuities. Also a combination of other factors such as weight problems, high blood pressure, high cholesterol etc. could improve your annuity rate.

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The links below are a repeat of the links available in the menu system above and are for the benefit of visually disabled people using speech reader computer equipment.

about the pension annuity service
additional benefits
alternative flexible annuities
annuity income frequency
annuity alternatives explained
annuity - economic conditions
annuity factors explained
annuity guide book
annuity quotes
annuity rate
annuity terms offered by provider
annuity - the effect of timing issues
annuity types explained
are you retiring soon?
contacting PAAS
conventional annuities
costs of using retirement advice service
escalating annuities
five year rolling annuities
flexible annuities
getting started
getting the most out
impaired life annuities
income drawdown
index - home page
inflation - the effects on your annuity
investment linked annuities
lifestyle enhanced annuities
open market option
our advice service
our credentials
partners pension
payment guarantee period
pension annuity questions
pension options
pension simplification
pensions act 2004
phased retirement
protected rights
purchased life annuities
retiree age and gender
retiree health
retirement annuity terminology
self invested annuities
staying working whilst drawing pension
tax free cash
testimonials
unit linked annuities
with or without proportion
with-profits annuities
your pension explained

Link to parent company website, Richmond Independent