ETH: "Use Case" and Annuities

Ethereum Gurus, *** I realize in advance how boring talking annnuities (A-nudies is better) but I work with the Annuity data daily.

Annuities are highly profitable for some companies, fixed and/or variable. Is there anything in the pipeline, in regard to crypto/blockchain, that will allow consumers to directly get into Annuities and bypass (at least some) of the Surrender fees and other rules that screw over the customer? The best Financial Advisors know what I am talking about but many of the best Financial Advisors are still anti-crypto/ETH so thus why I am here.

Long post longer:

Would Ethereum be setup to cutout the middleman when purchasing annuities, with the ETH network via smart contracts etc? (Excuse my ignorance if I asked this poorly, English is my first language but Crypto is not.)