Enhanced Annuity it is for people who have some health problems that severally reduce their life expectancy. For this annuity you would have to go to independent financial adviser first and the application process can be very long. The most providers usually consider health, lifestyle, age, gender, etc. The income with this annuity can be up to 40% than with a conventional one. Rest assured this is not a tale of doom and gloom. The fix to this dilemma is simple.