Life assurance
If you die whilst you are a contributing member of the scheme and employed by a participating employer the following benefits may be payable.
Lump Sum Death Benefit
The lump-sum death benefit that applies to you is payable to your survivors at the Trustee Company's discretion.
If you would like the Trustee Company to consider paying your lump-sum death benefit in a particular way, it is important you tell the Trustee Company by downloading and filling in a 
Nomination (PM39) form.
If you subsequently decide to change the nominated person(s) you can do this by filling in another nomination form.
Personal Retirement Account
In addition to the lump-sum death benefit, at the discretion of the Trustee Company, your personal retirement account may be used to either:
- buy an annuity for your spouse and /or one or more named dependants; or
- an amount equal to the value of your personal retirement account will be paid as a lump sum; or
- a combination of the two can be used.
The benefits are subject to HM Revenue and Customs limits.
Note: If you leave the service and preserve your benefits in the scheme until retirement your entitlement to receive any lump-sum death benefit ceases, and only the value of your personal retirement account will be payable.