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How Getting a Free Annuity Quote Could Maximise Your Potential

The enduring characteristic of an annuity is that it becomes more generous the fewer years the annuity holder is expected to survive. Thus an annuitant who is in poor health, a smoker, obese or suffering from a potentially life-threatening condition can reasonably expect a higher return than another who is in good physical shape and has no known ailments.

Although few of us aspire to ill health most of us suffer some aches and pains along the way and a great many of us are diagnosed with maladies that could, under certain circumstances, affect our long-term quality of life or even, at their most extreme, our life expectancy. By way of an example there are already an estimated 2.8 million diabetics in the United Kingdom alone as well as up to one million more who are unaware that they have the condition, and this number is growing rapidly.

Because of the number of factors that go into the mix when one’s own annuity rate is being calculated it is close to impossible for us to be able to work out for ourselves where exactly we sit on the scale.