please sign and support our petition thank you the Discretionary word means the insurance companies are not obliged to share any information regarding your expression of wishes with the loved ones you have named in the event of your death they are not obliged to follow your wishes 

which means the loved ones you have named may not receive anything this doesn’t form part of your estate the expression of wishes are not legally binding if you want your loved ones you have named on your expression of wishes to be able to see all information regarding on what has happened to your finances in the event of your death then please support our petition. 

Your expression of wishes means you can name anyone on your form your mother, father , sister, brother, wife , husband, charity, next door neighbour, your children you do not have to name your next of kin if there is no will this doesn’t form part of probate or estate if you have named someone on your expression of wishes