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Pays a guaranteed income for life, taking into account lifestyle and state of health

Show your clients how a Fixed Term Annuity can be more appropriate than a Lifetime Annuity

Enhanced Annuity

As your client approaches retirement, they'll be faced with many decisions and it's important for them to pick the most appropriate options to suit their needs. It's even more important that they get the best rates based on their personal circumstances.

Our pension annuity offers higher rates for people in poor health compared with our standard rates. At LV= we’ll use your client’s full medical history to help enhance their annuity rate. Our expert underwriters use a list containing more than 2,500 known medical conditions as well as individual lifestyles.

Cover features

  • Minimum purchase price of £10,000
  • Choose how frequently your client wants to receive their income
  • Value protection
  • Choice to add dependant's annuity
  • Extensive range of death benefits
  • Choice of level or increasing annuity

Important information

  • If your client chooses a level annuity, it won't keep up with inflation and may buy less in the future
  • Changes in taxation rules may increase the amount of tax your client will pay on the income we pay.
  • The policy has no cash in value at any time and cannot be sold or transferred to someone else
  • Unless your client chooses a death benefit (s), payments will stop when they die which may result in inadequate provision left for their dependants

We offer enhanced rates for many lifestyle and medical conditions, some of which you may never have considered and could increase your client’s income. Please remember that we offer enhanced rates for many other medical conditions that are likely to reduce life expectancy.

How to buy

Find out if your client is eligible

Quote and apply supported by single sign on

We're partnered with the Open Market Annuity Scheme (TOMAS) to allow you to apply online directly from their system. This means there's no paper application form to fill in, saving time in the application process. You can still apply online using our paper application form as normal.

Find out more about TOMAS

08000 850 250

TextDirect: first dial 18001

8.30am - 5.30pm Monday - Friday

We may record and/or monitor calls for training and audit purposes.


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LV=, County Gates, Bournemouth, BH1 2NF, UK