can't believe there were as much as 30 odd viewers of my ISA query but no answer...maybe i should try asking my ISA provider how it works. thanks anyhow...
My knowledge is a tad dated. But certainly buying a PLA (purchase life annuity) (maybe having encashed your ISA), the pension you got was part income part capital. Can't remember how the split was determined exactly but it was age/sex related and used something like the life expectancy according to a standard table. (IM/F90?) But with A day looming there may be something more specific. Try Revenue websites.