How do I qualify?

Even today, a large proportion of people that could qualify for an enhanced annuity rate due to illness or being a smoker, retire having accepted standard terms.They were simply not aware that they qualified for an impaired life annuity.

People who have suffered severe forms of one or more of the following potentially life threatening conditions would qualify (these lists are not comprehensive).

Four of the major impairments that are most regularly quoted for are:

• Cancer
• Heart Disease
• Stroke
• Major Organ Failure (Lung, Kidney, Liver)

But higher rates can be secured on less obvious health problems as well. Further impairments that will qualify include:

• Alzheimer’s Disease
• High Cholesterol
• Asthma
• Liver Cirrhosis
• Bronchitis
• Motor Neurone Disease
• Diabetes Mellitus
• Multiple Sclerosis
• Dementia
• Overweight
• Emphysema
• Parkinson’s Disease
• High Blood Pressure
• Smokers
• Severe Hypertension
• Desease of the Central Nervous System

Obviously, a greater degree of impairment will result in a higher annuity rate being secured.