Do I still need certificate from an IFA for Defined Benefit pension after policy term end at age 75?

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https://www.gov.uk/government/publications/pension-benefits-with-a-guarantee-and-the-advice-requirement/pension-benefits-with-a-guarantee-and-the-advice-requirement

This factsheet is intended to help pension scheme providers determine:

• whether certain types of pension benefits which contain a promise, including those with a guaranteed annuity rate (GAR), are safeguarded benefits for the purposes of the new advice requirement

• when the exception to the requirement to take independent advice for those with safeguarded benefits worth £30,000 or less applies

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Pension policies with GARs are the most common type of safeguarded benefit which is not a salary-related benefit under an occupational scheme.

Guarantees of this nature typically exist as an option, with the member free to choose to purchase an annuity from another provider, to take benefits as a lump sum, or to transfer to a drawdown product from another provider, and there may be multiple different guaranteed annuity rates available to the member at different ages. However, the benefits are safeguarded because the member has a right to convert their pot into an income in accordance with conversion factor(s) which are known during the accumulation phase.

The benefits are safeguarded even if the guaranteed annuity rate promised is below the rates currently being offered on the open market. This is because the open market rates may fall below the guaranteed annuity rate before the guarantee expires.

A pension plan with a GAR that expires at a specific point in the future (for example when the member turns 60) is a safeguarded benefit until the GAR expires. A pension plan with multiple GARs expiring at different specific points in the future is a safeguarded benefit until all the GARs have expired, at which point it ceases to be safeguarded, provided that there are no other safeguards attaching to the benefits.

https://adviserbook.co.uk/ may be helpful if required.