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Being overweight would give John 17.48% EXTRA pension income for life.

If John's body mass index (BMI) was over a certain level, this would be recognised as a factor that would contribute to future health problems. Therefore annuity companies would pay enhanced annuity rates.

This figure is based on John being 5' 6'' and weighing 22 stones 2 pounds.

Source: The Exchange - September 2010.

Smoking 10 or more cigarettes per day would entitle John to 18.52% EXTRA pension income for life.

People who have smoked for over ten years, whether it be cigarettes, pipes, rolling tobacco or cigars, can expect an enhanced annuity (higher level of pension income) for life.

Based on John smoking 10 cigarettes per day over 10 years.

Source: The Exchange - September 2010.

Where John lives and his occupation could entitle him to 8.84% EXTRA pension income for life

.

Interestingly, if John was a taxi driver living in Middlesborough, not an accountant living in Doncaster, he would be entitled to 8.84% more pension income for life from an enhanced annuity.

Based on postcode being changed from DN4 7PA to TS1 2JZ.

Source: The Exchange - September 2010.

If John drank more than just 2 pints of premium lager per day, this would entitle him to 8.1% EXTRA pension income for life .

People who drink 36 units of alcohol per week on a regular basis, which equates to 2 pints of premium lager or 2 glasses of wine per day are entitled to an enhanced annuity (extra pension income) for life.

Based on John drinking 36 units of alcohol per week.

Source: Just Retirement - September 2010.

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