Who gets the money when there’s a death claim?
Who we pay out the lump sum to on death depends on how you set up your plan. If you're the only person insured then the money will go to your estate. If you and your partner is insured then the money will go to the surviving partner.
If you've put the policy in trust then the money will go to the trustees, and if you've given it away, it'll go to the new owners.