It’s never a nice subject to talk about, but it is useful to know what happens to your pension in the event of your death.
If you die before you start withdrawing from your pension, it will usually be paid as a lump sum to your beneficiaries tax-free. This is as long as your pension is under the lifetime allowance limit and you’re under the age of 75 when you die.
If you have already started taking a flexible drawdown from your pension plan when you die, what your beneficiaries get depends on the age at which you die. You can find out what could happen to your money here.