Aviva is introducing automatic underwriting to speed up its online annuity quote process.
Standard and enhanced annuities will be merged in online quotes in a bid to speed up the selection route for adviser.
Medical questions are also set to form part of a revamped online annuity underwriting service.
Advisers can get quotes from online portals such as The Exchange, Assureweb and Webline which already include some medical questions on conditions like high blood pressure and diabetes.
However Aviva will now use information from answers to these questions to calculate an enhanced annuity, instead of automatically returning a standard annuity quote.
In addition, Aviva has added health questions to its pension maturity packs, sent to customers nearing retirement, to identify individuals who qualify for an improved income in retirement because of medical conditions.
Customers who go direct to the insurer, or who complete a pension maturity pack, will be asked the same questions as customers who go through an adviser.
Clive Bolton, retirement director at Aviva, says: "Offering annuities which meet the needs of customers and advisers is a priority for Aviva.
"We have carefully looked at our underwriting over the last 18 months and made
He says the industry needs to address customer confusion over terms such as enhanced and standard annuities.
"Customers shouldn't have to ask for an enhanced annuity and the best possible rate; providers have a responsibility to give it automatically to them."
Customers who choose to speak to us directly, or complete the pension maturity pack which we send them, will be asked the same questions as customers who go through an adviser.
Avoids paperwork with two-step process
Investment process will use machines
Mark Sterling accused of operating a collective investment scheme without authorisation
'Increasing engagement will only favour those prepared to put in the effort'