You may transfer your pension fund to a provider offering a Scheme Pension (usually only available with Defined-Benefit Pension Schemes). This allows for income levels to be actuarially determined based on your personal circumstances.
With regard to defined contribution schemes, a Scheme Pension can only be taken after the offer and refusal of an annuity, at any time, after age 55. It is an alternative way to take an income but is based on your individual circumstances. There are regular reviews, and these again are based on your circumstances at the time of the actuarial review.