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Ill Health / Enhanced Annuity advice in Lanarkshire and Glasgow

Affinity Financial Planning will offer you the best performing Ill Health / Enhanced Annuity products form the whole of the market.

When you’ve spent most of your working life paying into a pension plan and the time comes to retire you don’t have to accept the annuity offered by your pension company.

There is a feature available to all registered UK Pension Schemes known as an ‘Open Market Option’. Quite simply this means that you can shop around and take your annuity from whoever is giving you the best annual income. In November 2016, the UK Financial Services regulator, the FCA, published a consultation paper (CP16/37) which estimated that “80% of consumers who purchase an annuity from their provider could get a better deal on the open market”.

At Affinity Financial Planning we offer our clients access to a wide range of annuity providers and can usually get them a much better income as a result. We offer a Free no-obligation consultation where we can go through that various annuity options with you.

“Each year, people throw away £1 billion in retirement income because they didn’t shop around when buying an annuity. Don’t be one of them – make sure that you shop around. If you don’t, you could regret it for the rest of your life”.

(Source: NAPF and Pensions Institute Research, February 2012).

Are you aware that, depending on medical conditions, you could receive an income of up to 52% higher than that being offered by your present provider?

An example of where this could be beneficial is if you have suffered from, or have an ongoing, medical condition. These are just some, but not a definitive list of conditions which could increase your retirement income.
• Smoker (10%-15% increase)
• High cholesterol, High blood pressure, Type 2 Diabetes (15%-35% increase)
• Cancer, Heart attack (up to 52% increase)
• High/Low Body mass (10% to 15% increase)

The process couldn’t be easier 
1. You receive your Retirement Pack from your existing provider. 
2. You contact Affinity Financial Planning Ltd. 
3. After obtaining some information from you – we research the entire market place on your behalf. 
4. Where we can secure a better income than that being offered by your current provider, we complete the necessary paperwork and handle the entire process for you. 
5. When completed – you start receiving your new – increased – pension income from the new company.

People We’ve Helped

I am so delighted I called you. The whole process was really easy and I’m now getting a much better rate on my pension. Thank you SO much.”


Get In Touch

Give us a call on 01236 421422 anytime or email us at for more information on how we can help you enjoy a better financial future.

Annuitants lose £765m income by not shopping around

50 per cent of annuity customers stay with their current pension provider and could be losing out on thousands of pounds.

“Customers who do not shop around for an annuity are collectively missing out on £765m of income over a 20-year retirement” says Andrew Tully, Pensions Technical Director at Retirement Advantage.

According to Retirement Advantage research, 50 per cent of annuity customers stay with their current pension provider rather than shopping around for an annuity.

He says: “Unfortunately the pension freedoms have given people a licence to lose money, as half of those buying an annuity fail to shop around and get the best deal. This situation has actually got worse since April 2015.”

What Affinity will do for you

We’re completely independent and totally unbiased. You will ALWAYS get the best possible deal.

You get first class FACE to FACE advice. We build really effective long lasting relationships

We’re really easy to deal with and have helped 1000’s of people all over Scotland get a better deal.

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