For those who smoke at least ten cigarettes a day (or 85 grams of rolling tobacco per week) and have done so for at least the last ten years this has an effect on their life expectancy. This can be taken into account to give a bigger annuity.
Spot checks and in some cases doctors’ reports to verify the smoking information provided in the application.
For advice and quotes contact Annuity Supermarket on 0800 043 6701