Before the pensions freedom came along in 2015, many people using a pensions pot bought an annuity. But since then many providers have stopped selling annuities, or will be phasing them out in the future. But what does this mean for you? Joining Sarah in the studio are Alistair McQueen from Aviva, Michael Bousfield from independent financial advice firm Helm Godfrey and David Blake, the Director of the Pensions Institute.