Enhanced annuities - what should you ask clients?

The growth of enhanced annuities is now well established and well documented. From a low base, the proportion of people obtaining increased retirement income recognising their state of health has risen to over 18% of the total buying annuities at the end of 2011. While estimates of the proportion that could qualify vary, they all indicate that there is still huge potential for growth. The Health Survey for England reports that, happily, there has been an increase in the number of men who have never smoked, from 39% in 1993 to around 50% in 2010, while 59% of women now report never having...