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Those from poorer backgrounds tend to have a shorter lifespan than those who are wealthier. People have a right to purchase a life annuity at a price that fairly reflects their individual risk.

While life insurance policies use medical underwriting to charge those who are ill a higher premium, life annuities use underwriting as a fair way of ensuring you get the right income, for life.

This article was published on FA NEWS, EBnet, MONEYMARKETING and COVER

How do you weigh up the pros and cons and make a balanced decision on whether a retirement village is the right move for you? The role and requirements of the 'retirement village' are constantly changing with many establishments modernising their facilities to support the needs of their residents. Do your homework, draw up a realistic budget and most importantly chat to your financial adviser so you're well informed to make the right decision for you and your family/support system.

Gareth Stokes chatted to Just SA CEO Deane Moore about a pension funding solution that allows clients to incorporate aspects of both life and living annuities into a blended annuity solution. This article was first published on FA NEWS.