As it stands, the government have a policy in place surrounding pensions which prevents anyone from withdrawing from it until the age of 55 (with this changing to 57 years old in 2028).
However, you can withdraw your pension early under certain circumstances. If you have an illness which is either terminal or you're no longer able to work, you will be able to access your pension before the age of 55.
If you were to pass away before you reach 55, your Penfold pension would be transferrable and available as a pension to a spouse, civil partner, dependent child or other individuals nominated by you. The pension can either be paid as an income, or the fund can be used to buy an annuity for the individual you nominate.