If the investor dies and the fund is partially or fully crystallised, money from ordinary pension benefits can be paid to beneficiaries as a lump sum less 35% tax charge, used by dependants to purchase a lifetime annuity, or continue unsecured income (or ASP where the dependant is over age 75).  If there is a protected rights fund this must be used to provide a surviving spouse's or civil partner's pension (either by purchase of an annuity or continuing unsecured income).

We require the investor’s birth and marriage certificates, evidence of identity and address, and an original death certificate before taking any action.