It’s really important to make sure your money and belongings go to the people you want them to. The Ask scope and rules apply.Does an expression of wishes relating to pension death benefits override the pension holder’s will provisions? It does not need to be written in legal jargon, and it can be updated whenever your wishes change without you … an expression of wish is never legally binding even when its sent off to the administrators. Update your expression of wishes form whenever your circumstances change or you update your will. As most pension funds are held outside of your estate and therefore not covered by your will, it’s essential you complete an “expression of wish form”. Where appropriate, you should consult your own lawyer for legal advice. Practical Law's employees are not practising solicitors or barristers.

The trustees always have the full say. The beauty of an ‘expression of wish’ is that it is a separate document to your Will and, unlike a Will, it therefore rarely becomes a document in the public domain. Pension companies should allow you to do this free of charge. Even with an expression of wish they will often ask for a copy of the Will to see if there have been changes since the expression of wish was made.

That may also include the beneficiary for any death in service benefits if you are an employee. “An IFA will get … Expression of wish forms When you first join a pension scheme, you will be asked to give details about the person or people you want to receive your pension if you pass away.

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