22-12-13, 10:46 AM
There are firms that specialise in "pension liberation"… there are steep charges to pay though, and then the Govt demands 55% (of the original sum) as punitive tax. Unless the few grand you would end up with will make a drastic change to your circumstances it's probably best left as it is.
If it's being managed poorly, you may be able to transfer the pots to a pension scheme from a different provider.
Red98, life assurance should give your missus some security. Don't overdo it though. You don't want her realising you're more use to her dead than alive. :rollin