Enhanced Annuity

Your client could qualify for higher annuity terms with Prudential's improved enhanced annuity offering if they and / or their dependant (in the case of joint life annuities) suffer with a medical and / or a lifestyle condition that is likely to shorten life expectancy.

We will consider any condition that is likely to shorten life expectancy. A single condition or combination of two or more conditions may result in increased payouts. Enhanced rates are available on our Income Choice Annuity and Guaranteed Pension Annuity. So your clients' enhanced annuities can match their individual profiles.

What we offer

Prudential is committed to the annuity market and is the UK's leading annuity provider. Below are some of the improvements to our enhanced annuity offering. Please see the Adviser Guide for a full product description.

• With a wider selection of conditions covered, our enhanced annuity is now available to more clients. Even a less serious condition could result in an enhanced annuity, which would give your client a better payout.
• More potential to increase your clients' retirement incomes with Prudential's enhanced annuity. We aim to help your clients maximise their income, tailored to their individual circumstances.
• We apply enhancements across our range of annuities allowing you to select the annuity that's right for your client. Enhanced terms are available on the following products:
  • Income Choice Annuity
  • Guaranteed Pension Annuity
• Our underwriting methodology means that, unlike some competitors, the rate we offer your client is guaranteed.
• Hassle-free service for you and better rates for your clients.

See how an enhanced annuity could benefit one of your clients:

Why choose Prudential?

Prudential is a leading pension provider and has a strong consumer brand for pensions and retirement solutions. Some of our credentials:

• We are the number one provider of annuities in the UK* with a range of pension products that offer end-to-end retirement solutions to customers.
• With more than 21 million customers worldwide (in 2009), and an AA (negative outlook) for financial strength by Standard & Poor's (September 2009), your clients' money is in safe hands.
• Our reputation for integrity and acting responsibly has been earned over 160 years.

For further information, please call our general enquiries number on 0808 234 0808 or email us at enhanced.annuities@prudential.co.uk.

We may monitor or record calls for quality and security purposes.

For more serious conditions we may obtain detailed medical evidence by writing to your client's GP. This process will take longer, but will enable us to offer the best possible terms for all clients.

* Source: Prudential - published new business figures for annuities from calendar year 2009.