What the Checklist gives you

• 25 checks in three sections: what you have and what may be affected, what your family could receive, and what to review before making changes. Each check is a plain statement about you. Tick it if it is true, leave it blank if not.
• A "Read first" page for each section that explains the rules in brief before you tick anything: what counts, who is in scope, how a pension is taxed on death, and what to check before you act.
• A tick count that tells you what to do next. The more you tick, the more there is to review. The results page sets out three bands and one rule for anyone thinking of withdrawing, gifting or transferring.
• Guidance from our experts after every section: Carla Smart, Group Head of Pensions, and Shil Shah, Group Head of Tax Planning.
• What happens to a pension on death from 6 April 2027, step by step: who pays, how, and by when.
• Three hypothetical worked examples of families in the UAE, including a UK pension that takes a £6,000 bill to £206,000, and a mixed-residence couple whose "everything to my spouse" plan costs £620,000 instead of £300,000.
• Your action pack: six questions to ask each pension provider and the documents to gather, so your executors have everything in one place.
• A technical appendix with key dates, what is settled in law and what HMRC has still to confirm, a jargon buster and every source.