Do you want the trustees of your insurance companies to be able to vote on your expression of wishes in the event of your death if the answer is no please sign our petition 

your wishes are not legally binding you are signing your wishes over to the trustees DISCRETIONARY gives the trustees the right to overturn your wishes and to pay out to who they wish in the event of your death put a stop to this now by supporting our petition and help us get DISCRETIONARY removed Thank you we appreciate your support

please ask your insurance companies for there rule book to explain Discretionary