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Divorce/separation

Here you'll find divorce help and support from other Mners. For legal advice, you may find Advice Now guides useful.

My Ex Will Get My Pension When I Die!

51 replies

Gadgee · 31/05/2025 17:26

I got divorced two years ago and until yesterday assumed that it was all done and dusted. At a meeting with my accountant yesterday it was suggested that I check my LV policy to see if my ex wife was named as the beneficiary who would contunue to receive my monthly pension when I die.

I checked and yes, she is to receive the payments.

I called LV and they tell me that it is impossible to change the policy so that my ex is no longer entitled to my pension payments. (I have remarried and would want the pension payments to go to my new wife on my death.)

I can't be the only person wanting to change this type of policy after divorce but Googling the topic does not produce much of use. I could arrange a meeting with a solicitor to get a ruling but am hoping that somebody has been through this situation and can comment from a position of knowledge. (I would prefer to avoid solicitors as I am still trying to repair my finances after the battering they took through the divorce!)

If it makes a difference, I am in Scotland.

Thanks in advance for any guidance

OP posts:
Flashahah · 01/06/2025 13:51

Flashahah · 01/06/2025 13:50

You’ve annuitised, you named your spouse to receive maybe a third or half of your annuity payment at that time, your choice, done deal.

You’ve not got a pension, you’ve got at annuity.

it can’t be changed, move on.

Hope she dies first if you’d rather LV to benefit rather than your ex wife living longer at getting some benefit.

The pension money is spent, you traded it for a known income amount for you and your ex.

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