How can I change my pension fund so I can take it now?

I have a pension that seems to be doing nothing, it is a with profit fund and contains a liability for a guaranteed minimum pension.

You need to be 55 years old before you can start taking your pension. At that point you are allowed to take some as a lump sum and the remainder as a monthly payment. It's the law, no provider will allow you to take your pension before you're 55.

Find a Financial Advisor and ask them a recommendation on what to do. Some FA's are "tied" and can only offer products from one company, some are free to offer products from any company in the market. I recommend that before you accept any suggestions you check to make sure your FA is not tied. That way you can be sure they have looked at all the options available in the market.

wrong place for advice really you need to seek a pensions adviser.. he will weigh up what other providers will offer you and maybe you'll need to get a section 32 buy out bond...
However, transfer values are usually a few grand less than the fund value... also depends on your age etc... see a pension adviser....depends whther there is an OMO included in your pension too if not then perhaps you shoul;d move your fund

Government changed legislation this year that you cannot take your pension until you are 55. If you are 55 suggest you talk to an Independent Financial Adviser - you could move out of With profits and got into better performing funds. Look at www.thepremiergroup.co.uk for an adviser