Staircase,
Glad you got a result. I was going to write something else but on another possibly more important note, you mentioned that you have 'just' annuitised. The FCA released guidance yesterday (link below) that offers the financial services industry a steer about how to deal with (possibly) you.
http://www.fca.org.uk/static/documen...ce/fg14-03.pdf
From yesterday's Telegraph.
Thousands allowed to escape annuities bought before Budget - Telegraph
In the first instance, might it be worth contacting the insurance company asking for clarification and/or putting them on notice that you are considering your options?