This depends on how you take retirement benefits, and it is a complex area to understand. Most pension options allow anyone to inherit a person’s pension. It doesn’t always have to be your spouse or a civil partner. There are potential tax implications - so it’s important to understand your options but it is always good practice to keep your pension provider(s) informed of who should benefit from your pension whether you die before or after accessing the benefits yourself. Our independent financial advisers can help you understand your options and put a robust plan in place.