About to retire?

If you suffer from any Heart Condition or any other illness and have any form of Personal Pension you may be eligible for an Enhanced Annuity when you retire. This will increase the level of income you receive from your pension. 

What is an Enhanced Annuity?

Normally when a client with a Personal Pension retires they simply take an income (annuity) from whichever insurance company provided their Personal Pension.

What they often don’t realise is, they can take advantage of an Open Market Option facility that allows them to shop around for a better deal (annuity) at no extra cost.

An ‘advantage’ of being ill is that you may also be eligible to purchase an Enhanced Annuity that will boost your income even further. An Enhanced Annuity pays more income than a standard annuity as it takes into account the clients perceived shorter life expectancy.

Do all insurance companies offer Enhanced Annuities?

No, there’s only a small number of companies that offer the service.

How much difference will it make?

The actual difference varies on an individual basis however it is not uncommon to receive an extra income of between 10% and 25%, even more in certain circumstances.

Case Studies

John, a diabetic with heart problems approached The-insurance-surgery.co.uk as he neared his 65th birthday. He was considering drawing his personal pension and wanted quotations to see the level of income he would receive from an impaired life annuity.

After taking some basic medical details from John they were able to provide him with a firm quotation within a week.

The quotations ranged from an annual income of £6805 to £7808 a difference of over £1000 per year (based on a fund of £94880).

Derek, had suffered a heart attack and could no longer work as a bricklayer. He approached his personal pension provider who offered him an income of £780pa (based on a fund size of £11082). By using The-insurance-surgery.co.uk Derek increased his level of income by over 25% to £969 pa.

How can The-insurance-surgery.co.uk help?

The-insurance-surgery.co.uk can supply you with quotations on Enhanced Annuities from all the leading insurance companies involved in the market by simply completing their online form click below for a quote.

Heartweb, the UKs national online heart support group, receives a donation from each policy sold by the-insurance-surgery.co.uk to help us continue our support of anyone affected by Heart Problems.

www.the-insurance-surgery.co.uk is a trading name of The Money Surgery Ltd. Neither HeartWeb or The Money surgery Ltd are certified to give guidance or advice under the Financial Services and Markets Act 2000. When you complete an online quotation form your details are passed directly on to one of The Money Surgery’s commercial partners who are regulated by the Financial Services Authority. HeartWeb provides this service for information only and this should not be taken as a recommendation.

If, like me, you have been affected by a heart condition you may have struggled to find a competitive quote for travel insurance or not know where to start. HeartWeb, the UKs online heart support group, have joined forces with The Insurance Surgery to provide the specalist cover you require.

If you suffer from Heart Problems, or any other illness, obtaining suitable travel insurance is an absolute must.

When you book a holiday it is not unusual for the travel insurance to be bought at the same time or even included within the holiday price. MAKE SURE YOU KNOW WHAT YOU ARE BUYING!

In many instances pre-existing medical conditions are excluded from the travel insurance policy, it is therefore vital that you disclose your illness and any other conditions to the insurance company involved.

What happens when I disclose my medical condition?   

There are various scenarios that may occur including:

• The insurance company may offer full cover at no extra cost.
• They may offer full cover with an additional cost.
• They may offer full cover with an additional excess.
• They may exclude the pre-existing condition.

What can happen if my condition isn’t declared or covered?

If you become ill while on holiday the insurance company can legitimately refuse to meet any of your medical or other expenses. If you have required a hospital stay these expenses could quite easily run into £1000’s.

How can The-insurance-surgery.co.uk help?

The-insurance-surgery.co.uk has selected a panel of travel insurers who offer cover to clients with pre-existing conditions at highly competitive prices.

We would suggest clicking on the button below to see which companies The-insurance-surgery.co.uk recommend for your personal circumstances. You can then obtain quotes either by phone or online.

Heartweb receives a donation from each policy sold by the-insurance-surgery.co.uk to help us continue our support of anyone affected by Heart Problems.

www.the-insurance-surgery.co.uk is a trading name of The Money Surgery Ltd. Neither HeartWeb or The Money surgery Ltd are certified to give guidance or advice under the Financial Services and Markets Act 2000. When you complete an online quotation form your details are passed directly on to one of The Money Surgery’s commercial partners who are regulated by the Financial Services Authority. HeartWeb provides this service for information only and this should not be taken as a recommendation.

If, like me, you have been affected by a heart condition you may have struggled to find a competitive quote for life insurance or not know where to start. HeartWeb, the UKs national online heart support group, have joined forces with The Insurance Surgery to provide the specalist cover you require.

Unfortunately if you have a Heart Problem and are applying for life insurance you will possibly have your premium increased or even possibly have your application declined.

Different insurance companies look at Heart Disease in different ways. Some insurers will apply high premium increases to all Heart Disease sufferers while others take a more sympathetic view. So how do you know which ones to apply to?

By using the services of the-insurance-surgery.co.uk you will increase your chances of obtaining competitive cover. The-insurance-surgery.co.uk have since 1999 specialised in obtaining life insurance for clients with Heart Problems and other illnesses.

The-insurance-surgery.co.uk is a completely independent company that has sourced specialist partners who have researched the whole marketplace to find out which insurance companies offer the most competitive cover for clients with Heart Problems. Using their years of experience and contacts with senior medical underwriters they will be able to advise whether they think obtaining cover will be possible and how much the cover is likely to cost.

Once you apply to the-insurance-surgery.co.uk you will receive through their specialist partners the following benefits:-

• Independent –They are NOT limited to a panel of Insurers.
•  Extensive knowledge of Medical Underwriting.
•  Personal Service - You have one Customer Service Executive assigned to your case.
•  Single application form –  you only ever need to complete one application form
• They will keep you fully informed throughout the process.
• They have access to specialist companies and techniques that may offer cover when the main insurers cannot.

Case Studies

Paul, who suffers from Heart Disease, approached The-insurance-surgery.co.uk as he had been declined cover by Legal & General and received a quotation from Norwich Union that was too expensive. The-insurance-surgery.co.uk obtained £50,000 of cover at a cost that Paul could afford. 

Miss Brown, who has Relapsing Remitting MS, had been declined by Norwich Union when she approached The-insurance-surgery.co.uk for £100,000 of cover. The-insurance-surgery.co.uk secured her insurance for a premium of £35pm.

Terry, approached The-insurance-surgery.co.uk as he had been declined life insurance by all the insurance companies he had approached. The-insurance-surgery.co.uk obtained him nearly £140,000 of cover for the premium of £26.29 pm.

To apply for life insurance please click the button below.

Heartweb receives a donation from each policy sold by the-insurance-surgery.co.uk to help us continue our support of anyone affected by Heart Problems.

www.the-insurance-surgery.co.uk is a trading name of The Money Surgery Ltd. Neither HeartWeb or The Money surgery Ltd are certified to give guidance or advice under the Financial Services and Markets Act 2000. When you complete an online quotation form your details are passed directly on to one of The Money Surgery’s commercial partners who are regulated by the Financial Services Authority. HeartWeb provides this service for information only and this should not be taken as a recommendation.