Lifestyle Annuity Rates


Last updated: 03/01/2015


For some annuity providers, your lifestyle and other factors are considered when it comes to calculating the annuity rate and consequently the level of retirement income that they will pay you.


Here are some of the things that mean that you could qualify for a higher retirement income:

   Would a doctor consider you overweight, or maybe obese?

   Did you perform manual work for a significant proportion of your life?

   Do you smoke? If so, are you a heavy smoker?

   What about alcohol? Do you drink? What is your average consumption?

Just how much lifetime annuity income that you can get ultimately depends upon your life expectancy.


Did you know that people, who suffer from various forms of cancer, diabetes, high blood pressure, heart disease, chronic asthma, multiple sclerosis and many other illnesses, can qualify for a significantly better annuity rate?

If you have a shorter than usual life expectancy due to any of the factors mentioned above or any other illness that could shorten your lifespan, you could be offered enhanced or impaired life annuity rates, and therefore a higher retirement income, because in the eyes of the insurance company, they expect to pay you that income over a shorter period of time.

Find out if your lifestyle will get you a higher annuity income.