Bereavement

Our response is different for each type of policyholder. Please click on the section below that applies to you.

Pensioner
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If the pension is in payment, following the death of the policyholder, we may pay pension income payments to:

  • a qualifying dependant, for example husband, wife or civil partner; or
  • a qualifying child or children.

If the pension has a guarantee period, the qualifying dependant may also be due a lump-sum payment. This lump sum will be equal to any pension income payments we would have paid the policyholder for the remainder of the guarantee period.

The policy document makes clear who qualifies for a dependant’s or children’s pension and whether further payments are paid following the death of the pensioner.

The next of kin – or the person chosen to handle the policyholder’s affairs – should tell us as soon as possible that the policyholder has died. We will then pay any pension that is due to the right person and in good time.

Our team are trained to support loved ones after bereavement. They will:

  • explain whether a dependant’s or children’s pension will be paid and, if so, the payments that are due; and
  • walk the person through the process of setting up any payments that are due.

We’ll need a death certificate, and maybe other information, but we can start the process without this.

Dependant pensioner
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If the pensioner has died and the pension is already in payment to a dependant, following the death of the dependant, there may be payments due to a qualifying child or children.

The policy document makes clear if payments are due to a child or children and who qualifies.

The next of kin – or the person chosen to handle the policyholder’s affairs – should tell us as soon as possible that the policyholder has died. We will then pay any pension that is due to the right person and in good time.

Our team are trained to support loved ones after bereavement. They will:

  • explain whether a children’s pension will be paid, and
  • walk the person through the process of setting up any payments that are due.

We’ll need a death certificate, and maybe other information, but we can start the process without this.

Deferred pensioner
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What happens if the policyholder dies before you start paying the pension?

If the pension is not already in payment, after the death of the policyholder, we may pay pension benefits to:

  • a qualifying dependant, for example your husband, wife or civil partner, or
  • a qualifying child or children.

The policy document makes clear who qualifies for a dependant’s or children’s pension

The next of kin – or the person chosen to handle the policyholder’s affairs – should tell us as soon as possible that the policyholder has died. We will then pay any pension that is due to the right person and in good time.

Our team are trained to support loved ones after bereavement. They will:

  • explain whether a dependant’s or children’s pension will be paid and, if so, the payments that are due, and
  • walk the person through the process of setting up any payments that are due.

We’ll need a death certificate, and maybe other information, but we can start the process without this.

What happens if the policyholder dies after you start paying the pension? Please see the Pensioner section above.