Forces pension CE valuation

My First question! Husband’s 24 yr forces pension has a CE of £385k. He has just passed 55 so he is on £16400 p.a. My very experienced solicitor and her recommended actuary (who has ‘considered’ the figures only at the moment) and a forces savvy financial advisor, all think £385k is ridiculously low and bears no relation to the index linked yearly sum. (Quoted figures amount to requiring a pot of £800k for the yearly amount). The amount is required to offset the equity in the house which is approx £650k.
We have been married 22 yrs, living together 24. No children. Our last 2 houses I have renovated and we currently have a large house with 1.5 acres of garden to look after, so I work part time. Because we were meant to be living off his pension, I have a cursory £26k from contracting out years ago, that was never changed. I’m not too bothered about sharing his pension as long as I can buy myself a home and have enough left over to invest to get an income, so the equity in the house would do it.

I’ve read on here about the police CEs being undervalued, I s’pose I’m wondering about the likelihood of the MOD being wrong; it really doesn’t look right and thankfully I’m not the only one who thinks so.
Can anyone provide any insight? Would we question the MOD ourselves, or is it the job of an actuary?
Many thanks

Meant to say, he is a highly paid consultant and we have been used to £100/£120k income.

I went through this, i have an army pension, unfortunately the MOD will give a figure and will stick to it. My ex went down the actuary route but to no avail. Unlike a private pension there is no pot of cash, just an annual pension. So my 25k a year pension has a CETV of £665k which would mean I die at 71! My point is that he is telling the truth, on this site you will be told that the army pension is undervalued, it’s not the mod will give a figure and that’s it!

Thanks for your reply. An actuary got back to me yesterday and confirmed your answer. (It's nothing to do with him telling the truth as everything comes to the house - he works away.) However the army pension IS undervalued because it bears no resemblance to 'real world' figures.

The only way it becomes fair is with pension sharing, which I know for sure he does not want to do and also I feel uncomfortable doing anyway, but don't have much choice really!

I understand your point, I probably didn’t explain very well. The value given by the MOD is the only figure your husband can get. My ex paid £2.5K for an actuary report that came to the same outcome. In my example for a pension to pay out an income of 25K pa would have to have a pot far greater than the MOD valuation. So I see where your coming from, it can’t be cashed in or transferred so the only options are an attachment order or PSO. The PSO will be a percentage of the CETV.