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An annuity is something we wouldn't contemplate until we get to retirement and it suddenly becomes important. Some of the reasons why we don't think about an annuity include... poor information from insurers, poor information from employers and a sense that the decision is years ahead.Those who work in pension and savings find this surprising as securing the best annuity can mean boosting your income by as much as 40% or more. As you can observe, this is a huge amount of extra funds.The first dilemma to solve when looking for an annuity is.... where do I go to find several places you can go to find the best deal on an annuity including... the internet, your local library or an IFA. These all have different costs associated with them, so make sure you choose the option which is right for you.You may think it seems like a labourious task from your perspective, but getting the right advice is crucial when looking for a retirement annuity. If you choose to not shop around for an annuity you could miss out on a much greater pension income. Thousands of people who buy annuities without making a comparison subsequently think to themselves ' wish I had chosen to compare pension providers.A section of these annuity customers will have also been permitted to apply for an annuity with enhancements, which might mean they are now not enjoying a better income in retirement. It must be said though that the higher rates of 25% and above are only presented to those who have had a history of medical conditions. Listed here are just a selection of conditions which can equal better rates... heart attacks, Emphysema and Angina.You might be saying to yourself.... 'I have not had a heart attack or serious illness'. Well even if this is true you could still be in line for an annuity with enhancements. It is commonplace to be presented with higher rates if you are prone to smoke cigarettes, cigars or a pipe on a regular basis. The lesson here is that you must inform your annuity company of any ailment or lifestyle choice which may effect how long you live for.The explanation of why insurers offer better deals to those with illnesses is that they will have to pay out for a shorter number of years. It should also be mentioned that better pension rates can be paid if the retiree suffers from any of the following conditions asthma, diabetes, or stoke. This shows that there are dozens of different medical conditions which could increase your annuity.So to avoid being one of those retirees who skip the chance of getting a much higher retirement income, compare annuity companies - it might be the most pertinent decision you ever make. Article Tags: Best Annuity
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