Letting us know your wishes

The Trustees decide who receives any benefits payable if you die. While they are not bound by your wishes, they will take them into account when making their decision, so it’s important to keep your Expression of Wish up to date.

Why do I need to review my Expression of Wish?

If your Expression of Wish is out of date, for example if it still names an ex-spouse, the Trustees will still need to take it into account when deciding who should receive any death benefits. It is therefore important to keep your Expression of Wish up to date, as it may take precedence over your Will when it comes to your pension benefits.

What if I do not have an Expression of Wish?

If you do not have a completed Expression of Wish, then it will be down to the Trustees to decide how to pay your death benefits. This may mean that your benefits are not distributed in a way you would have intended.

How can I check what is on my latest Expression of Wish?

The easiest way to check your Expression of Wish is by logging in to the Member Portal. If you have not registered for the Member Portal, you can do so by following the registration guide.

Top tip: if you use a reminder app on your phone, try setting an annual reminder to check your Expression of Wish nomination. Alternatively – set yourself a calendar invite or just write it on your physical calendar! You do not have to complete a new form every year, but try and get into the habit of checking whether your current form is up-to-date.