I used a broker who found me a lender who was happy to lend based on my SFL Annuity income while also technically being unemployed
The whole application process was pretty straight forward too and I had the offer within a week. I thought there might have been lots of extra checks and stuff on my income and situation but nope.
That's a great financial position to be in, I've had a look at the rules but cant seem to find if you can pass on the benefits if you pop it ,as at my age the amount of months left is getting worrying but if it could continue in the family................i am guessing not