Hi everyone there seems to be a miss understanding regarding death in service and what you are entitled to this information will show you what tax you will pay on your estate your expression of wishes does not form part of your estate I do hope this information helps people understand more you are signing your expression of wishes over to the trustees who will then take the decision on who they wish to pay your funds to they do not have to pay out to the persons you have named on your expression of wishes form Discretionary gives the companies the right to do as they wish in the event of your death do you believe that people you have named on your expression of wishes form should not be paid out then don’t sign but if you believe they should then sign i believe if we have named our loved ones on our expression of wishes form they should receive the funds it really is as simple as that