From all the team at and , we would like to wish you all a very Happy, Healthy and Prosperous 2003.We hope you have enjoyed the services that we have provided throughout 2002.We have many new and exciting features planned for this year to add to what we did in 2002.
Take a look at our plans for 2003. As well as us trying , with your help, to win a few awards on the way again. Please do keep supporting us as we really do care and do work hard for all our clients and users.Finally, if your New Year Resolutions fail - do not worry just think about this:For the ‘Give Up Smoking’ and the ‘Diet/Get Fit’ camps who have not stuck to it. Did you know that when you reach retirement the more you smoke or the less healthy you are, the greater your initial starting pension is likely to be? This is because pension companies have special, higher, income rates for people who are not ‘fantastic physical specimens’. This is known as an impaired life or enhanced annuity.
Contact us about Impaired Life and Enhanced annuities.Other tips for improving your pension , and yes the obvious one is to save more, is to move to the North of the country, even to Scotland. Traditionally, people in the North have poorer diets than in the South and life expectancy is shorter. Pension companies are so advanced now in how they rate people that they can even improve the size of your pension income to be paid by looking at your postcode. So the secret is to permanently see in the New Year in Scotland.
Seriously though whilst the above is true, we would not actively encourage you to do this. Smoking or being overweight does affect your health and massively increases the costs of life insurance cover and some insurers may even refuse to offer cover. Compare life insurance costs online now .