In addition, if you have a defined contribution pension, or a SIPP, that is currently outside of probate and potential inheritance tax, Rachel the grave robber’s proposed rule changes, due in two years, will mean access to your remaining pension fund will be denied to the survivor until this complex addition to probate has been resolved. In my case, my wife would lose my pip, the car, state pension, access to my pension adding to the stresses of bereavement. Brutal and preparation for such an event is essential, imho. Not just the farmers being shafted.