Do you smoke or have a health condition?

When it comes to buying your annuity, what your pension company is unlikely to tell you is that being a smoker or having a health condition (even a really minor one) will secure you more money for your retirement.

Your pension company will not automatically offer you an enhanced rate so it’s always worth checking. You don’t have to be ill. We cover a very wide range of health conditions, from high cholesterol and high blood pressure through to more serious illnesses such as cancer.

More about enhanced or impaired annuities

For more about the MGM Advantage Enhanced Annuity take a look at our Enhanced Annuity Key Features (pdf)

Next steps – call us on 0800 032 8975

• We’ll ask you some simple questions to see if we think you qualify
• If we think you qualify, we’ll give you a full quote. To do this, we’ll need you to have your pension statement and any medication information handy. If you don’t have it to hand, don’t worry – we’ll make an appointment to call you back to give you time to pull it all together
• When we call you back, we’ll ask you some questions about your pension and we’ll also ask you some simple health questions
• We’ll give you a quote that’s guaranteed for 45 days – you can use this to compare with the quote your pension provider gives you
• If our quote is better and you decide to proceed, we complete the paperwork, you sign the application and we do the rest

Our promises

• We’ll guide you through the process every step of the way. Buying an annuity is a once-in-a-lifetime purchase for most people, but we do this every day so we’ll take our time to explain it to you
• We’ll do all the leg-work for you. We’ll talk to your pension provider to transfer the funds. We’ll even complete the paperwork for you, ready for you to sign and send back
• We guarantee to pay you for the rest of your life. We’re underwritten by Hannover Re and you are protected by the Financial Service Compensation Scheme
• We’ll talk to you in a clear and simple way – no jargon
• Although we can’t give you financial advice, if we don’t think our annuity is right for you, we’ll tell you
• We’ll try and get things right first time and have set out our service promises in our Customer charter. If you believe we’ve failed on any of our promises, we will pay you £25, no quibbles

Call our team today on 0800 032 8975 to see if you qualify. Spend a few minutes now and it could benefit you for the rest of your life.