D4RP
Yes, the scheme rules allow that scenario. The actuarial tables are not published anywhere to my knowledge, so the only way you can obtain a figure is to make the application. Bearing in mind that you would be asking for your pension to come into payment up to 10 years early, you should expect a very significant downward adjustment of the rate. Remember also that this would be for life; your pension would not be restored at 65. There is no cost to you in asking the question, as you do not have to sign up until you have seen the Actuary's offer. As for the affect on lump sum, I haven't found the answer yet, but I will keep looking.
Regards
Ginseng