Enhanced annuities

In most situations, poor health or a lifestyle that could reduce your life expectancy isn’t a benefit but when it comes to your pension annuity these things may secure an enhanced annuity and therefore a higher retirement income. This is because the annuity may not have to cover as many years.

When you request an annuity quote it is important that you disclose any medical problems, however minor, as this could secure you a much better income.

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Annuities Service

The decisions you make now concerning your retirement income could affect you for the rest of your life, so it’s vital you have all the information possible. It is important that you shop around for the best annuity rates. The Saga Annuity Service helps you to make informed decisions regarding pension annuities and your retirement income. To find out more, please use the links below.

Enhanced annuities

Not shopping around or failing to secure an enhanced annuity, if you are eligible, could limit your retirement income. The Saga Annuity Service team will automatically ask you questions about your health and/or lifestyle to see what difference this could make.

Find out if you can increase your retirement income with an Enhanced Annuity

Please note that different annuity providers have different qualifying criteria for their enhanced annuities, so you should get quotes from as many different providers as possible. If one provider doesn’t offer you an enhancement, you shouldn’t assume that will be the case for all providers. Some providers may ignore medical and lifestyle factors that other providers will take into account.

By declaring if you have high blood pressure, are under or overweight or are a smoker you could increase your income. If you have a more serious medical condition, then you may be eligible for an enhanced annuity rate that could provide an even higher level of income. There are over 1,000 conditions taken into account and by taking a confidential telephone medical interview or completing a detailed medical questionnaire you could secure additional income. Please contact the Saga Annuity Service on the freephone number above for an indication of the rate you could receive.

Four good reasons to buy an enhanced annuity through the Saga Annuity Service 


  • You will have access to some of the most competitive “best buy table” rates that you may not find elsewhere
  • Annuities specialists will automatically assess your health or lifestyle to see if you are eligible for a higher income
  • UK-based, dedicated and experienced annuity experts will guide you through the pension annuity buying process from quote to completion
  • The hard work is done for you – from liaising with your pension provider(s) to transferring your funds.



For a personalised quote and to find out if you are eligible for a higher retirement income please call the Saga Annuity Service on the freephone number above.

The Saga Annuity Service is provided by Legal & General Assurance Society Limited. Saga Personal Finance is a registered trading name of Acromas Financial Services Limited, which is registered in England and Wales (Company No. 3023493). Registered office: Enbrook Park, Sandgate, Folkestone, Kent CT20 3SE. Acromas Financial Services Limited is authorised and regulated by the Financial Conduct Authority. Legal & General Assurance Society Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.