Maybe some kind of inverse life insurance. Give pile of cash to insurance company and receive monthly paycheck for the remainder of your life. Essentially you are betting on a long life and they are betting on you driving your golf cart off the edge of a cliff. I think products like this exist in my country of residence; I'd be surprised if there is not a similar thing in the US.
On a side note, I read at one point that in France there is a tradition (not sure how widespread) of selling your home with the condition that the buyer must wait for you to move out, whether for health reason or because you die, and that you pay no rent while staying. Of course, the price is adjusted accordingly. Again, both parties are making a bet on the duration of your lifespan.