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Retirement Line is the UK's largest annuity broker*.

*Equifax Touchstone pension income and annuity sales figures 2018-2020

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Which? Money says Retirement Line ‘asked more questions’ to get more pension income


Disclosing information about your health and lifestyle when asking for a pension annuity quote often leads to a higher level of retirement income. That’s the clear message from leading consumer magazine, Which? Money. It recently confirmed that Retirement Line’s thorough fact-finding approach generated more income for one of its members. 

In the ‘Money Clinic’ section of the October 2018 edition, the magazine featured a question from Mr Beattie of Crawley, asking about his recent experience arranging an annuity. Mr Beattie wrote that he had obtained a quote from an intermediary about a plan available from an annuity provider.

Mr Beattie went on to write:

“I then stumbled across Retirement Line, and its equivalent service found an annuity from the same provider that offers more income. How can this happen?”

In response, Michael Tomlinson of Which? Money explained that:

“You told us that Retirement Line asked more questions about your health, and as a result it found you an enhanced annuity. These work on the basis that you’ll have a shorter life expectancy than someone in better health. They will therefore pay out more each year than standard annuities. The boost to your income depends on your condition.”

An enhanced annuity means more income

We are delighted to report that Mr Beattie went ahead with his annuity application with ourselves and is now enjoying his retirement. He says: “I was very pleased when I rang Retirement Line and spoke with Denise Hyland. After answering her questions, especially on my current state of health, she said that I may be entitled to an enhanced annuity. When I received the quotation, it was for a higher amount than had been quoted by another annuity intermediary.”

Mr Beattie is one of thousands of our clients who have secured more retirement income on the grounds of health or lifestyle. In fact, even something as seemingly innocuous as living alone or in certain postcode areas can qualify you for an enhanced annuity.

This is confirmed by Nick Bamford in his excellent book, ‘How to Take Your Pension Pot’: “Be careful if you take the annuity income on offer from the provider of your current pension pot because they will probably not have taken into account your medical history or your smoker status if you are, and you may be missing out on higher income.”

As Mr Beattie’s case shows, it’s not just the provider of your pension pot who may fail to fully consider your health and lifestyle. Even some annuity intermediaries fall short of Retirement Line’s capability in asking detailed health and lifestyle questions as part of their fact finding procedure in order to help achieve the highest income.

Do you qualify for an enhanced annuity?

If you are considering an annuity, we would be delighted to offer our expert assistance. We help over 2,000 annuity enquirers every month and are very often able to secure a better retirement income for them. For example, of those interested in a lifetime annuity, over 80% qualify for an enhanced annuity with higher income. 

Please contact us on 0800 652 1316 or email to talk to one of our Annuity Specialists in confidence with no obligation. 

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