Who knows when "you" will die with a government pension in action. With QROPS you can reinvest it AND allow the whole sum to pass onto your spouse and then the children as it has now become an investment. A final salary pension will be halved for your wife and lost when you die.
Should you cash out and drop it into a QROPS or SIPP initially then you can take up to 30% cash at 55 and the annual £10800 tax free sum. If you now "INVEST" that money appropriately, the whole fund and investment will pass onto your wife (not half) AND then onto your children, ie fund not wiped like an annuity.
The key to cashing into a QROPS is to invest the funds appropriately and not waste it away and it will have been a better deal. Future government salary pensions are also not a guaranteed amount.
J