Why not ask us to research the best pension annuity with your pension fund?
Have you considered Phased Income or Unsecured Schemes for large pension funds? You need to know the advantages and pitfalls involved. Taking the lump sum cash is tax free and then can be invested to produce income if appropriate.
What sort of pension best suits your circumstances? For example, do you really need a guaranteed pension if you are single? Do you want your pension to go up with inflation? Does your pension need to protect any dependants in the event of your death?

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