Your expression of wishes are not legally binding you are signing your wishes over to the trustees they can pay funds out to who they wish Discretionary allows them to do this they are not legally obliged to share any information with the loved ones you have named we thank you for your support by signing our petition help us reach £5,000 

To answer the question a couple of people have asked I’ve been googling to find out more information to carry on my fight. writing a policy in trust means you have named a loved one ) this means funds will be paid out quicker as the funds do not go through probate through googling it states that a lump sum will be paid out to person or persons you have named
Life insurance usually avoids probate there are some exceptions if no beneficiaries are named or alive then the life insurance will go to probate life insurance is concluded in your tax but most don’t need to worry
Inheritance tax allowance before 2020 was for a single person £425,000 for a couple £850,000
2020 single person is £500,000 for couples £1 million