 Work pensions are not designed to give children or loved ones any money left in the account if there's a passing to the employee and the spouse. So it's unfortunate, but they make windfalls of money, pension companies, when there's early passings. When I do a personal pension, sadly, if there's an early passing, 100% of the balance goes to the kids, goes to their loved ones, goes to charities, where you want it to go to.