PM me your email address and I will email the guide for you to look at.

You are right, there is no requirement to buy an annuity in the UK, however, once policy holders reach 75 they must either buy an annuity or transfer into ASP (Alternatively Secured Pension). There is a tax levied on this up to 85% of the fund.

You are right - people have been able to transfer to a QROPS for ages, often into international employers pension schemes, local superannuation schemes or other private pensions. It is only since A Day that this has been simplified for the wider expat market.