In addition, while the monthly payments are for the upkeep and enjoyment of the annuitants, any guaranteed payments on non-registered annuities are continued to beneficiaries after the second death.
For example, it is common to buy an annuity which will continue to pay out to the spouse of the annuitant after death, for so long as the spouse survives.
Because of this requirement and the work restrictions while receiving a disability annuity, most annuitants had worked for carriers that already awarded them private company pensions.