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Impaired AnnuitiesWill your health affect your annuity.

Medically enhanced annuities or impaired annuities can offer the highest income to an annuitant because they are based on past or present medical conditions.


A diagnosis of a serious medical condition can indicate to the annuity company that the applicant's life expectancy could be dramatically reduced and will therefore qualify them for a significant increase in annuity income.


Important points to note about impaired annuities:


  • Over 1500 medical conditions on their own or in combination qualify for an enhanced income.
  • The most serious medical conditions will offer the highest rates.
  • The date of diagnosis and prescribed treatment will affect the enhancement.
  • Some serious medical conditions will have a lower enhancement as time passes from initial diagnosis, particularly with some forms of cancer.
  • Just like a traditional annuity there are a range of options for the impaired annuity. See Annuity Options



Impared Annuity Graph



To see which conditions could qualify for an impaired annuity, click the button below:





Please note this list is an example of the conditions that could qualify for an impaired annuity, please contact us if your condition isn't listed to see if you qualify.


  • Alzheimers disease
  • Amyotrophic lateral sclerosis (ALS)
  • Bi-polar disorder
  • Brain tumour
  • Cancer (all types)
  • Cerebrovascular accident (CVA)
  • Cerebrovascular- brain haemorrhage
  • Cerebrovascular- lacunar infarct
  • Cerebrovascular- stroke
  • Cerebrovascular- subarachnoid haemorrhage (SAH)
  • Cerebrovascular- transient ischaemic attack (TIA)
  • Deep vein thrombosis (DVT) or pulmonary embolism (PE)
  • Dementia (All types)
  • Diabetes, type 1
  • Diabetes, type 2
  • Haemochromatosis
  • Heart- angina
  • Heart- aortic aneurysm or abdominal aortic aneurysm
  • Heart- arrhythmia
  • Heart- atrial fibrillation
  • Heart attack
  • Heart- av block
  • Heart block
  • Heart- brachycardia
  • Heart- bradycardia
  • Heart- cardiomyopathy (All types, incl HOCM
  • Heart- endocarditis/myocarditis/pericarditis/viral heart infection
  • Heart- enlarged heart
  • Heart failure
  • Heart inflammation
  • Heart- pacemaker implant
  • Heart- prolapse valve
  • Heart- regurgitation
  • Heart rhythm disorder
  • Heart- stenosis
  • Heart- supraventricular tachycardia (SVT)
  • Heart- tachycardia
  • Heart valve disorder (mitral, aortic, bi-cuspid, congenital, from birth)
  • Heart valve replacement
  • Heart- ventricular ectopics
  • Huntington's disease/chorea
  • Kidney- (end stage) renal failure (ESRF)
  • Kidney- chronic kidney disease (CKD)
  • Kidney- glomerulonephritis
  • Kidney- other
  • Kidney- polycystic kidney disease (PKD)
  • Kidney- transplant
  • Liver- cirrhosis
  • Liver- hepatitis (unless hepatitis A and fully recovered)
  • Liver- other
  • Liver- transplant
  • Major organ transplants
  • Motor neurone disease
  • Multiple sclerosis (MS) all types
  • Muscular/myotonic dystrophy
  • Parkinson's disease
  • Peripheral vascular disease (PVD) or intermittent claudication
  • Respiratory- asbestosis
  • Respiratory- asthma
  • Respiratory- bronchiectasis
  • Respiratory- chronic bronchitis
  • Respiratory- chronic obstructive pulmonary disease (COPD)
  • Respiratory- emphysema
  • Respiratory- pleural plaques
  • Respiratory- pulmonary fibrosis
  • Rheumatoid arthritis
  • Schizophrenia


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