However those who have medical conditions can also enjoy the advantages of a guaranteed lifetime income by applying for an enhanced annuity instead of an ordinary one.

BBC: Enhanced annuities: Who can benefit?

If you are married or have a financially dependent partner, you can apply for a joint life enhanced annuity which will continue to be paid to your partner if you die before them.

BBC: Enhanced annuities: Who can benefit?

In fees and tax uncertainties the insurance-enhanced installment sale is a close match for the discredited annuity trust.

FORBES: Magazine Article