Wouldn't bother me where I die. If I'm dead, I'm dead... Just throw my corpse out of the way and let me decompose so I can give back to the Mother Earth what I have taken to sustain my life.
The dead don't feel anything, it's the living that suffer the loss...
I am another that is happy with HL.co.uk products.
(Annuity rates are good just now, but what rate of indexing on an annuity will keep up with inflation? If an RPI indexed annuity was selected the indexing will move to CPIH in 2030ish)
I'm in the lucky position to have DB pensions that do what I think your looking for from annuities.
My HL Stocks and shares ISA is mainly in Investment trusts, which often have dividend cover which smooths the income stream. The ITs include some 'dividend heros'
[will continue, dinners ready]
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