Annuities

If you are living with any medical condition, you may be able to benefit from a special type of annuity which offers a higher level of income than conventional annuities. This is due to the pension income payable to you being ‘enhanced’ to reflect your lifestyle, state of health and life expectancy.

Multiple Sclerosis Insurance Services has teamed up with Gallagher Employee Benefits to provide access to this comprehensive enhanced annuity service.

By using the annuity service, you can find out whether you are eligible for a higher level of pension income compared to the levels offered by conventional annuity providers. You can also make your annuity purchase online.

With every purchase a donation is made to the MS Society, at no additional cost to you.

Find out more by logging onto the website, or you can speak to one of our qualified advisers on 0845 015 0221 or e-mail annuitydesk@ajg.com quoting MS Society.

Shop around

It is very unlikely that you will have to stay with your existing pension provider when you want to buy an annuity, and not all annuity providers offer similar benefits – the difference between the highest and lowest annuity incomes available can be significant. In fact, annuity rates can even vary within one provider as the rates can differ according to the annuity options you choose.

Your choice of which insurance company to provide your annuity is crucial, because once the annuity has started you cannot change your mind.

Important information

In providing this service Gallagher Employee Benefits  will not be giving you any financial advice or a personal recommendation.

The service allows you to select the basis of the annuity and then search the market for a competitive product matching your requirements. The service is therefore provided on an 'execution-only' basis, meaning that you confirm that you have neither sought nor received a personal recommendation.
 
Gallagher Employee Benefits is a trading name of Heath Lambert Consulting Limited, authorised and regulated by the Financial Services Authority. A member of the Society of Pension Consultants. Registered Office: 9 Alie Street, London E1 8DE. Registered No. 0772217 England and Wales. www.gallagherheath.com