Are you waiting until you are not physically capable of enjoying your savings?
Or mentally able?
By waiting a year, you may or may not increase the capital.You may get a higher income by waiting. But how much higher? Enough to make up for the income for the year you waited you waited to start?
You are putting off an annuity for a few years, so 2 questions arise.
Do you know for certain that you are going to live those few years?
And do you know that and for your spouse will be in the same good state of health as the end of those few years?
A good annuity without good health, is not what you worked and saved for.