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Pension

You could get a free quote from a pension broker such as


Who will be quite familiar with cases such as yours

If you have health problems you may get a better rate, there is a questionnaire in the quote request

The pension will exclude the value of any tax-free cash which you have already taken or are entitled to take

In my case I tell him the breakdown of crystallised and Uncrystalised funds, as the more common assumption is that there is 25% available.

You can use the tax free cash to buy a Purchased Life Annuity, which pays less tax because most of what you get is considered to be a return of what you paid in.
 
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