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How to Increase my Annuity
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scooby24
Posts: 5 Forumite
Hi
I have been thinking about this for a while now and can not find the answer.
What would prevent me from saying I smoke over 10 cigeretts a day to increase my aPension Annuity, when I dont smoke.
Thanks
I have been thinking about this for a while now and can not find the answer.
What would prevent me from saying I smoke over 10 cigeretts a day to increase my aPension Annuity, when I dont smoke.
Thanks
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Comments
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Providers do random sample cotinine tests to ensure there are no liars like you.0
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Nice morals here.0
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What would prevent me from saying I smoke over 10 cigeretts a day to increase my aPension Annuity, when I dont smoke.
Fraud. The providers are not stupid and keep an eye out of fraudsters like yourself.
Enhanced providers are checking far more than ever before. Annuities are also an insurance product. So, get caught with fraud on those and you need to declare it with house and car insurance and any other insurance.I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.0 -
Think of your family. What would be there future. Also search videos that views the side effect of smoking.0
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I have always found this perverse as it rewards a bad lifestyle.
As for calling the OP a liar or immoral what if he took up smoking for a while then gave it up?.
What about genuine smokers who later give up, do they inform their pension providers.4kWp, South facing, 16 x phono solar panels, Solis inverter, Lincolnshire.0 -
As for calling the OP a liar or immoral what if he took up smoking for a while then gave it up?.
It would still require fraud as you need 10 years of smoking typically.What about genuine smokers who later give up, do they inform their pension providers.
No.I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.0 -
Your doctor might well know about your smoking habit or lack of one.0
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... but it may be better to whinge and whine a little when going to a visit the doctor. The last thing you will want is for the doctor to write down anything that records your health status that is better than it is.I have osteoarthritis in my hands so I speak my messages into a microphone using Dragon. Some people make "typos" but I often make "speakos".0
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As for calling the OP a liar or immoral what if he took up smoking for a while then gave it up?.
What about genuine smokers who later give up, do they inform their pension providers.
Another reason why those of us who try to lead a reasonably healthy lifestyles think that annuities are poor value (ie we have to potentially cross subsidise some of the f eckless claimants)
nb I had to elongate the penultimate word as MSE censored it !!0
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