When you are looking to purchase an annuity it makes sense to declare your medical conditions to ensure you get the best annuity rates. This is probably the one time in your life that you need to tell as much as you can about your medical conditions.
Enhanced annuity rates are available for those that have lifestyle or medical conditions that annuity providers believe will shorten life expecancy. It does not mean you have to be seriously ill to qualify as things such as smoking, your postcode, obesity as well as more serious issues such as high blood pressure and cholesterol all qualify for varying degrees of enhancement.
How do you get medical conditions assesed?
To ensure you get the best annuity rates and ensure that no lifestyle or medical conditions are missed you will need to seek the advice of an annuity specialist. The specialist will complete what is called the common quotation form which asks questions about you, your lifestyle and medical history. This form is then sent to all the annuity companies that provide enhanced annuity rates to quote. Once all the annuity quotes are returned then each one is examined, and re-quotes are asked for necessary to find you the best annuity rates.
