Guide section
Money after death
What happens to the accounts, the debts, the pensions and the policies.
Last reviewed: 1 September 2026
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Guides
Inheritance: tax, shares and accountsInheritance tax, transferring shares, and how each type of asset reaches you.What happens to bank accountsFreezing, joint accounts, direct debits and releasing the money.What happens to debtsWho is liable, how debts are paid, and what happens if there is not enough.What happens to pensionsState, workplace and personal pensions, and who receives what.What happens to insurance policiesClaiming on life cover, and the policies that need attention fast.Who pays funeral costsThe estate, the arranger, and the help available if there is no money.
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