Impaired Risk Life Insurance

Sadly some clients reaching retirement find they are not in the best of health. Using the Open Market Option we may be able to approach some specialist annuity companies who, after a sympathetic assessment of your circumstances, may be prepared to offer an annuity at a higher rate than can be achieved elsewhere.

The main conditions that these companies will consider include cancer, major organ failure, heart disease and strokes .

Whilst a greater degree of impairment will result in a higher annuity rate being secured, some companies will also consider other conditions including; Alzheimer's disease, emphysema, liver cirrhosis, asthma, chronic bronchitis, motor neuron disease, diabetes, multiple sclerosis, dementia, Parkinson's disease, high blood pressure and long term Smokers .