Moving into this line of business seven years ago is a decision that Ms Wintle does not regret.

BBC: Luxury camping - or 'glamping' - takes off in Wales

"Mortality really is scheme specific and too prescriptive a trigger will not fit that very comfortably, " said James Wintle of Watson Wyatt.

BBC: Warning on pensioners' longevity

Fran Wintle, who owns Larkhill Tipis in Carmarthenshire with her husband, said they had been staggered by how popular their tipis and yurts had become.

BBC: Luxury camping - or 'glamping' - takes off in Wales