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Impaired Life Annuities & Other Retirement Options

At The Insurance Surgery we aim to provide you with access to the best possible information and advice regarding your Retirement Options.

Established in 1999 we have always specialised in sourcing insurance and annuities for clients with medical conditions. We ensure that your enquiries are Introduced to Independent Financial Advisors who are qualified to offer advice in the area of your interest.

Our services are regularly used by Independent Financial Advisors and we have received coverage in various press and publications including Which? magazine and Moneysaving Expert.

Whether you are in good health or have an existing medical condition, we can introduce you to Retirement Solutions (UK) Ltd for annuity advice. You can be assured of receiving quality independent information, quotations and advice from Retirement Solutions (UK) Ltd, who are specialist annuity advisers, who will deal with your enquiry

Annuity Video Image

Please feel free to watch this Video prepared by Retirement Solutions (UK) Ltd that highlights the importance of ensuring you receive the best possible information and guidance for your retirement options. Simply click here to obtain a personalised quote.


Please find below some additional information supplied by annuity experts Retirement Solutions (UK) Ltd. This information is correct as at 1 November 2014 and may be subject to change.

What is an impaired life annuity?

An impaired life annuity will take into account any past or present medical conditions. If your perceived life expectancy is shortened due to an illness or smoking, then Retirement Solutions (UK) Ltd will ensure that you receive a higher monthly income for your annuity. As this is a guaranteed income for life, it is vitally important that you speak to a specialist who will help you get the best return from your pension.

Annuity - If I die what happens to my fund?

Recent changes now mean that you may choose to add on certain options to your annuity which means that in the event of your death, the annuity would continue to pay an income to your spouse or nominated beneficiary. This can also be done in such a way that you can guarantee return of your fund. Your annuity expert will discuss these options with you, in order to help make a clear and informed decision.

Is there an alternative to a lifetime annuity

A lifetime annuity is not your only option. Retirement Solutions (UK) Ltd can guide you through various options including fixed term annuities, This option gives you access to your pension benefits without having to lock yourself in for life, it also allows you to release your 25% tax free cash without having to take an income until you are ready, should you wish. The additional flexibility and chance to choose your own income level can be appealing to some retirees. At the end of the fixed term period you have the flexibility to either draw the fund down or transfer your fund into a lifetime annuity.

What if I am happy to continue to take investment risk?

Visit our flexible access drawdown page to fine out more.

How do I obtain a quotation for an impaired life annuity?

Simply click the quote button above and fill in the form. Your enquiry will be directed to our Specialist Partner, Retirement Solutions (UK) Ltd. There is no obligation with the quotation service and if you are unsure of any answers simply ring us on the above number or click here and we will call you back.

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