Husbands old Pru policy (died)

Sandtree

dunstonh said:

Another possibility is that it is a pension term assurance and/or pension.   Those have an expression of wish but it was left to the trustees to decide who to pay it to.   On death, pension trustees do often ask about family members etc to ensure they have the full detail when deciding who to pay it to and if the expression of wish still remains up-to-date (assuming there is one at all)

Pensions/annuities I am more comfortable with and understand named beneficiaries, trustee discretion plus those elements that may be spouse at date of retirement or spouse at date of death (plus considerations for "child brides" and "deathbed marriages")