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Designing annuity products for consumers needs;Agenda;I dont want to achieve immortality through my work - I want to achieve it by not dying Woody Allen ;People will soon live twice as long as today, and have the potential to live for 1200 years John Harris, Scientist Member of UK Human Genetics Commission as reported Sunday Times, 25 June 2000 ;Funeral firm hit by 29% profit fall Not enough people are dying in the US, according to Service Corporation International, the worlds largest funeral services company Times, 2 October 1999;Scale of opportunitiesPeople over 65;Annuity versus bond yiel