An Enhanced Annuity pays a higher income in retirement if you have a medical condition that may reduce your life expectancy.
Income Drawdown is a more flexible alternative to the traditional annuity route, offering greater choice and control for many people.
On 6 April 2015 new pension rules came into force, giving you much greater flexibility over how you use your pension savings and the options you have in retirement.
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A report from Policy in Practice says awareness, complexity and stigma are the main barriers stopping people claiming.
Its decision comes as the industry says there is a lack of government investment and as the US pressures firms to invest there.