Your post is confusing - it’s your pension, what is the comment about your husband about?
You need to lose the feeling that anyone works manage. They either work within the law, or they don’t. Neither is magic.
Firstly, the body that regulates those who work in the pensions industry bans cold calling. So if it was a cold call, you’re already in contact with someone shady. Find a reputable IFA if you want to look into the options.
How is the annual payment fixed? Unusual not to have a link to something like inflation. And have you already left this company (deferred member of the pension scheme)
What is the scheme retirement age for your pension?
It’s certainly true that you can often get a transfer value from a defined benefit scheme and transfer it to a defined contributions scheme. From there, you can access it from age 55, instead of waiting for the scheme retirement age.
Any transfer over £30K can only be done if you’ve had IFA advice - and not all (by far not the majority) have the additional qualification and licence to do this. It could easily cost £5K for that. See why you may have been cold called?
How do you know the transfer value is £150K?
There’s really not enough detail here!
Warning: if you are under 55 and this person has a magic way of getting your money early, what they actually have is a scam. If anyone mentions storage pods, RUN! If you transfer your pension out into some amazing opportunity 
before you’re 55, then at some point HMRC will hit you for a MASSIVE tax bill (I think it’s 55%)
At this point, you’ll realise you can no longer contact your cold calling magic maker with the storage pods... so you’ll owe HMRC 55% without actually even having the 45% left.
Never ever take pension advice from cold callers.
Or naked men.