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MyFamilyInherits — home Start free
MFI — Pensions · workplace, SIPP, final-salary & State Pension (richer v4)
New screen (TT-382 follow-up). Shows David's pension pots, the all-important beneficiary nominations, an honest "pensions pass outside the will" explainer, the planned April 2027 IHT change, and the executor steps. Legal slate-blue; tax sienna track.
David's Estate › Pensions

Your pensions

Pensions are often the largest thing a family inherits — and the part most people forget to keep tidy. Here are David's pots, who is set to receive each one, and a plain explanation of how they pass on (it is not through the will).

2 pensions + State Pension ✓ Nominations on file
Defined-contribution pot
£310,000
1 pot · passes by nomination
Aviva SIPP
£310,000
Defined contribution
Final-salary pension
£18,400/yr
50% continues to spouse
💡
Your pensions usually do not pass through your will. Each pension is normally paid to whoever you have nominated with the provider (an "expression of wish") — paid outside probate, often within weeks, and usually free of Inheritance Tax today. That makes keeping these nominations up to date one of the most important things you can do. Your will does not override them.

Your pension pots ✓ Open Banking / provider

Balances refreshed from each provider. You did not have to type them in.
Aviva SIPP
Self-invested personal pension · outside the estate for IHT until 6 April 2027
Nominated: Margaret Richards (wife) 100% · last confirmed Sep 2026
£310,000
✓ up to date
Railways Pension Scheme
Defined benefit · pays £18,400/year · in payment
On death, a 50% spouse's pension (£9,200/yr) continues to Margaret for life
£18,400/yr
scheme rules
State Pension
Full new State Pension · £230.25/week · National Insurance record complete
Stops on death. A Bereavement Support Payment may be claimable by Margaret — the executor checklist covers it.
£11,973/yr
DWP

Keeping your nominations right INHERIT rules

Aviva SIPP
Margaret 100% — current
Final-salary scheme
Spouse's pension fixed by scheme rules
Why it matters
The provider follows your nomination, not your will
A quick review is suggested when you marry, divorce, have children, or every few years. We will remind you — nothing changes without you.

For your executor open standard

☐
Tell each pension provider of the death
Death certificate + policy number
☐
Claim the defined-contribution pots
Paid to nominees, outside probate
☐
Arrange the spouse's final-salary pension
50% continues to Margaret
☐
Tell DWP — stop State Pension
Use the Tell Us Once service
☐
Check Bereavement Support Payment
Margaret may be eligible

As INHERIT data open standard

Everything on this page is structured, portable data — not locked into MFI.
FeatureINHERIT sourceWhat it does here
Pension potsasset.pension[] · type, provider, valueLists each pot with its live balance and scheme type
Nominationpension.nomination[] (expression of wish)Records who is set to receive each pot, and the share
Probate routingestate.outsideProbate flagMarks DC pensions as passing outside the will
IHT treatmenttax.iht.pensionTreatment (E&W)Currently outside the estate; flags the 6 Apr 2027 change
Beneficiary income taxtax.incomeTax.deathAfter75Flags income tax for the beneficiary if death is on/after 75
Pension balances are taken from your providers on the date shown and will change with markets. How a pension passes on depends on its scheme rules and your nomination; defined-contribution pensions are normally paid outside the will. Tax figures are a guide computed against the INHERIT E&W Tax module for planning only — they are not tax advice, and pension tax rules (including the planned 6 April 2027 Inheritance Tax change) may alter. MyFamilyInherits does not provide legal or tax advice; regulated firms do. We will never charge your card automatically.

Built on INHERIT v2

This demo is built on INHERIT v2 — an open standard for describing an estate. We show you honestly which parts of this screen the standard can hold today, which are planned, and which are still gaps.

  • Supported now3 entriesThe standard already has a place for this today.
  • Supported now · shared core0 entriesSupported by the part of the standard shared across our brands.
  • Planned3 entriesA change proposal covers this. Where we can check the standard’s own record, we show its status.
  • Gap — needs planning0 entriesOn the screen, but no change proposal covers it yet. These still need planning.
  • Not a standard concept0 entriesPage furniture, or something we decided the standard should not hold.

6 traced entries on this screen, from two overlapping traces

Each entry comes from either the screen’s feature list or the data the screen displays. The two traces overlap, so one feature can appear twice: these are entries, not a count of distinct features.

  • PlannedBalances refreshed from the provider, not typed in

    ICP-0030 Catalogue item-import adapter (approved in the standard)

    traced from the data this screen displays

  • PlannedBeneficiary nomination ("expression of wish")

    ICP-0024 Nomination / expression-of-wish — non-testamentary transfer route (approved in the standard)

    traced from the data this screen displays

  • PlannedPensions pass outside the will

    ICP-0024 Nomination / expression-of-wish — non-testamentary transfer route (approved in the standard)

    traced from the data this screen displays

  • Supported nowHow a pension is classified

    Comes from: record.assets_registry.1.asset_class

    a field on the validated INHERIT v2 estate record

    traced from the data this screen displays

  • Supported nowPension interests in the estate picture

    Comes from: record.assets_registry.1.current_valuation

    a field on the validated INHERIT v2 estate record

    traced from the data this screen displays

  • Supported nowpensions.death-benefit-nomination

    In the standard as: Transfer · Nomination

    traced from the screen’s feature list

The 29 change proposals this demo relies on

A change proposal (ICP) is a tracked request to extend the standard. These are the ones behind the “Planned” features across all 33 screens — and the few already adopted and built. Where the standard has a written proposal we show its status from the standard’s own record; where it does not, we say so rather than guess.

  • ICP-0001 · TT-657 — Port v1 consumer-estate surface into v2 (retracted in the standard)
  • ICP-0002 · TT-658 — IHT 36% reduced charity rate (approved in the standard)
  • ICP-0006 · TT-663 — Marketplace & dealer model (tracked; no written proposal yet)
  • ICP-0007 · TT-664 — Valuation lifecycle enrichment (tracked; no written proposal yet)
  • ICP-0008 · TT-665 — Delegation, stewardship & marketplace integrity (tracked; no written proposal yet)
  • ICP-0013 · TT-672 — Condition grading (tracked; no written proposal yet)
  • ICP-0014 · TT-673 — Collector records bundle (tracked; no written proposal yet)
  • ICP-0015 · TT-674 — Legal-assurance model (pending in the standard)
  • ICP-0016 · TT-681 — Professional engagement & marketplace data model (approved in the standard)
  • ICP-0019 · TT-684 — Executor / personal-representative appointment & powers model (pending in the standard)
  • ICP-0021 · TT-686 — Wishes, directives & plan-assessment primitives (pending in the standard)
  • ICP-0022 · TT-1029 — Post-death estate-administration & will-lifecycle domain (approved in the standard)
  • ICP-0024 · TT-1031 — Nomination / expression-of-wish — non-testamentary transfer route (approved in the standard)
  • ICP-0026 · TT-1033 — Free-text→structured multi-entity extraction (approved in the standard)
  • ICP-0027 · TT-1034 — Living-Monitoring change-event model (approved in the standard)
  • ICP-0028 · TT-1040 — Couple / mirror-vs-mutual wills modelling (approved in the standard)
  • ICP-0029 · TT-1954 — Insurance-cover model (approved in the standard)
  • ICP-0030 · TT-1069 — Catalogue item-import adapter (approved in the standard)
  • ICP-0033 · TT-1131 — Executor pre-death readiness facet (approved in the standard)
  • ICP-0034 · TT-1132 — E&W IHT spouse exemption (tracked; no written proposal yet)
  • ICP-0044 · TT-1143 — Steward/authority-grant remuneration facet + paid-helper undue-influence safeguard (tracked; no written proposal yet)
  • ICP-0046 · TT-1144 — Multi-opinion / consensus valuation shape (approved in the standard)
  • ICP-0047 · TT-1145 — Compute faith fixed-shares (approved in the standard)
  • ICP-0052 · TT-1292 — Funeral & farewell domain (tracked; no written proposal yet)
  • ICP-0054 · TT-1174 — Asset-side external-registry enrichment (tracked; no written proposal yet)
  • ICP-0055 · TT-1175 — Asset enrichment facets: maker/external-id (tracked; no written proposal yet)
  • ICP-0061 · TT-687 — Heir collaboration & asset-claim resolution (tracked; no written proposal yet)
  • ICP-0062 · TT-688 — Collections & asset disposition (tracked; no written proposal yet)
  • ICP-0070 · TT-969 — Steward / AuthorityBasis — who may act for whom, with what authority, scope and consent, and the legal-effect confirmation rule (tracked; no written proposal yet)

Checked against a pinned copy of the standard’s change-proposal register (73 proposals, standard at main@f63ca72e116d), and against the standard’s own record of what it has adopted (29 written proposals, 176 computed rules). Sample estate — demo data, no sign-up.

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