Please help us reach 5,000 I really appreciate your support your expression of wishes are not legally binding the insurance companies are not obliged to share any information with the loved ones you have named on your expression of wishes form you are signing your wishes over to the trustees in the event of your death your funds may not be paid out to who you wish The Discretionary word allows them to do this you have no choice but to sign Discretionary please help us make a change to make it easier for your loved ones