Bulk purchase of enhanced annuities offers growth potential

Medically underwritten buy-ins offer opportunities but with unique risks


In the UK, provision of enhanced annuities to retail clients has grown in leaps and bounds since they first entered the market as ‘smokers’ annuities’ in 1995. Just Retirement, an enhanced annuities specialist, reports the UK market has grown by 30% since 2007 alone. With conventional annuity rates hovering at near-record lows, increasing numbers of retirees are testing their eligibility for these products, which offer higher payments to those with health issues that may reduce their life

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The future of life insurance

As the world constantly evolves and changes, so too does the life insurance industry, which is preparing for a multitude of challenges, particularly in three areas: interest rates, regulatory mandates and technology (software, underwriting tools and…

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