they must have a specialist provider or even their own company, it's very difficult to get an annuity for someone under 55, so what if someone much younger wins? As an example from current rates, for a single standard flat rate annuity for 65 with no guarantee you can get 5k per 100k so lets say 5% so to get 120k you'd need to pay £24m and that's with no guarantee. For someone much younger with effectively a 30year guarantee? a lot lot more if anyone would touch it.