An inquest in January ruled he had been unlawfully killed after being 'tricked' into waiting by the roadside.
‘We suspect, as often happens in these cases, the monthly annuity payment quoted to provide a pension for her would have been significantly lower than a single-life annuity.
Therefore, Mr Monksfield may have decided he could not afford to lose this income and opted for the guarantee instead.
Figures shown to Money Mail reveal that last year 301,825 retirees turned their pension into a standard income.
Of these, 68 per cent were the type which immediately stops paying out when the pensioner dies, or has a guarantee that it will deliver an income for a limited period.
Ukrainian Ganna Ziuzina, 38, has asked for a 'murder determination' from judges as she fights to unlock the £2m estate of Barry Pring.