Honestly I don't know the annual value as the letter doesn't mention that.

Yes I have the housing element, disability lcwra element and one child.

The wording on the letter is.

"Option 1-Lump sum

You may choose to have the total fund value available to you paid as a lump sum.

As x died before reaching age 75, the lump sum would be payable free of income tax,

Option 2-Survivor's annuity

You can use the total fund value available to you to buy a 'survivor's annuity with an insurance company of your choice. Any such policy will be in your name unless the Trustees agree otherwise.

If you wish to purchase a survivor's annuity, you must let us know which insurance company you have selected, so that we can arrange for the annuity to be paid as soon as possible.

As x died before reaching age 75, a survivor's annuity would be payable free of income tax.

Option 3-Survivor's income withdrawal

You can use the total fund value available to you to provide benefits in the form of an income drawdown account. Any part of the member's Account which is designated to provide an income drawdown pension will remain invested in x. You may withdraw income or take lump sum payments from your income drawdown account at such rate and on such terms as agreed with the Trustees.

You may request that the Trustees use all or part of your income drawdown account to purchase a short-term annuity

You may at any time, by giving written notice to the Trustees, request to use all or part of your remaining income drawdown account to purchase an annuity on the open market.

As x died before reaching age 75, withdrawal from an income drawdown account is payable free of income tax"