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Many people are thinking they will get less income from their pension because they have become ill. However, with annuities the opposite can be true if you take advantage of it. When you do finally retire, you are able to exchange your pension for a regular income for life, in a financial arrangement called an annuity.

If poor health is expected to reduce your life span, then you might qualify for an special type of product called enhanced annuities. This will pay you a much higher income than standard annuities could offer. It is because the enhanced annuities providers establish quotes from the purchasers’ personal circumstances. This is in contast to health insurance, which  averages for your gender and age.

So if you have cancer, angina, or maybe had a heart attack or a stroke then the providers will consider you to have a lower life expectancy than the average person. The pension fund you will br exchanging in return for a life time income will need to pay out for a fewer number of years. Therefore, the annuities will offer a higher annual income amount.

Many people miss out on the higher income annuities they could have received because they don’t speak to their financial adviser about their health problems. They are not realizing they are losing out financially because their poor health is not being considered.