I think that company has sent you its annuity rates for said pension pot, you have many choices steve of what to do with these "Pots" you can bring them all together and buy 1 annuity, you can take them as cash, you can transfer one into the other, you can leave them growing or shrinking until you want/need them thats for you to judge, but if you want only one word of advice thats SHOP around for your annuity, bcuz you have guaranteed years, health related annuities, basically its tied to YOUR needs and preferences.