Taking PCLS after age 75

Hi all. We have a client who is rapidly approaching 75, they don't want to take their PCLS now, but would like the option to potentially take it later. LTA is not an issue and they don't need any income, the pension pot is being treated as inheritance essentially. I know that in theory this is possible (PCLS from 'unused funds' after the 75 LTA test) but I'm having a nightmare trying to find any provider that will actually facilitate this! Has anyone dealt with something similar that could offer any advice? TiA Sarah


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