{"id":5257,"date":"2026-03-09T15:25:14","date_gmt":"2026-03-09T15:25:14","guid":{"rendered":"https:\/\/www.wealthtime.com\/investors\/?page_id=5257"},"modified":"2026-03-25T09:21:32","modified_gmt":"2026-03-25T09:21:32","slug":"bereavement-support","status":"publish","type":"page","link":"https:\/\/www.wealthtime.com\/investors\/support-hub\/bereavement-support\/","title":{"rendered":"Bereavement support"},"content":{"rendered":"\n<section id=\"hero-block_c170c1ac29e76b086b8b056d6ceb21d5\" class=\"hero black\">\n\n  \n    <div class=\"slider\" id=\"slider-block_c170c1ac29e76b086b8b056d6ceb21d5\">\n\n      <div class=\"slider-wrapper\">\n\n        \n        \n          <div class=\"slide\" data-slide-index=\"1\" data-slide-active=\"true\">\n\n            \n\n  <img loading=\"lazy\" decoding=\"async\" width=\"1440\" height=\"840\" src=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2022\/09\/10.png\" class=\"hero-image\" alt=\"row full-width hero\" srcset=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2022\/09\/10.png 1440w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2022\/09\/10-300x175.png 300w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2022\/09\/10-1024x597.png 1024w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2022\/09\/10-768x448.png 768w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2022\/09\/10-640x373.png 640w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2022\/09\/10-1200x700.png 1200w\" sizes=\"auto, (max-width: 1440px) 100vw, 1440px\" \/>\n\n<div class=\"grid content body-push center-aligned \">\n\n  <div class=\"content-wrap\">\n\n    <div class=\"wrap-inner\">\n\n      <p class=\"label\">Practical help and guidance<\/p>\n\n      \n        <h1 class=\"hero-title\">Bereavement Support<\/h1>\n\n      \n      \n        <span class=\"hero-content\">\n\n          <p>How to get support and what to do next following a bereavement.<\/p>\n\n        <\/span>\n\n      \n      \n      \n      \n    <\/div>\n\n    \n  <\/div>\n\n  \n<\/div>\n          <\/div>\n\n          \n                \n      <\/div>\n\n      \n    <\/div>\n\n    \n<\/section>\n\n\n\n\n  <section class=\"page-menu\" id=\"page-menu\">\n\n    <div class=\"nav-wrapper-outer\" id=\"nav-wrapper-outer\">\n\n      <div class=\"body-push row\">\n        \n        <div class=\"nav-wrapper\" id=\"nav-wrapper-inner\">\n          <!-- Menu goes here -->\n          <ul id=\"page-nav\"><\/ul>\n        <\/div>\n\n      <\/div>\n\n    <\/div>\n\n  <\/section>\n\n\n\n\n<section id=\"signposts-block_d9fd09c66749eac2b3035272c1f0ef7e\" class=\" signposts bg-pattern-1 \" id=\"signposts-block_d9fd09c66749eac2b3035272c1f0ef7e\"  >\n\n    <div class=\"body-push row\">\n\n        <div class=\"grid  layout-75-35\">\n\n            <div class=\"col-1\">\n                \n                                     \n                    <h2 class=\"section-title\">Get the support you need<\/h2>\n\n                \n                \n                    <div class=\"content\" data-animate-on-scroll='fade-up'>\n\n                        <p>Losing someone can be overwhelming. As well as dealing with the bereavement, there are certain things that need to be done, which can come at an incredibly difficult time. We\u2019re here to make things as straight-forward as possible. Here you\u2019ll find step-by-step guides to our processes and links to further support if it\u2019s needed.<\/p>\n<p><em><strong>This support page is for investors using the Wealthtime platform. <a href=\"https:\/\/www.wealthtime.com\/investors\/wealthtime-classic-platform\/\">Click here<\/a> for Wealthtime Classic support.<\/strong><\/em><\/p>\n<p>&nbsp;<\/p>\n<h3>What can we help you with?<\/h3>\n\n                    <\/div>\n\n                \n                \n            <\/div>\n\n            \n        <\/div>\n\n        \n            <div class=\"grid signpost-row grid-cols-2 black\">\n\n                \n                    \n<a href=\"https:\/\/www.wealthtime.com\/investors\/support-hub\/bereavement-support\/#our-process\" target=\"_self\">\n    <article class=\"single-signpost black \" data-animate-on-scroll=\"fade-up\">\n\n        \n            <div class=\"image-wrapper\">\n\n            <img decoding=\"async\" src=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2026\/03\/bereavement-hub-icons_Bereavemnet.png\" alt=\"signpost icon\" width=\"295px\" height=\"295px\" \/>\n\n            <\/div>\n        \n        \n        \n        <div class=\"signpost-meta\">\n\n            \n                <h3 class=\"subtitle\">\n                    \n                    I&#8217;ve experienced a bereavement                \n                <\/h3>\n\n            \n            \n                <span class=\"description\">\n                    \n                    <p>We appreciate this may be an incredibly difficult time for you. We\u2019re here to help guide you through our bereavement process and what happens next.<\/p>\n                \n                <\/span>\n\n            \n            \n                <div class=\"button-wrapper\"> \n                    \n                    <p class=\"button white\">\n                        \n                        What to do next                        \n                    <\/p>\n                \n                <\/div> \n\n            \n        <\/div>\n\n    <\/article>\n\n<\/a>\n                \n                    \n<a href=\"https:\/\/www.wealthtime.com\/investors\/support-hub\/bereavement-support\/#prepare-future\" target=\"_self\">\n    <article class=\"single-signpost black \" data-animate-on-scroll=\"fade-up\">\n\n        \n            <div class=\"image-wrapper\">\n\n            <img decoding=\"async\" src=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2026\/03\/bereavement-hub-icons_Beneficiaries-1.png\" alt=\"signpost icon\" width=\"295px\" height=\"295px\" \/>\n\n            <\/div>\n        \n        \n        \n        <div class=\"signpost-meta\">\n\n            \n                <h3 class=\"subtitle\">\n                    \n                    I&#8217;m preparing for the future                \n                <\/h3>\n\n            \n            \n                <span class=\"description\">\n                    \n                    <p>While it may feel strange, some advance planning can help reassure you and make sure your dependants are prepared in the event of your death.<\/p>\n                \n                <\/span>\n\n            \n            \n                <div class=\"button-wrapper\"> \n                    \n                    <p class=\"button white\">\n                        \n                        Help me prepare                        \n                    <\/p>\n                \n                <\/div> \n\n            \n        <\/div>\n\n    <\/article>\n\n<\/a>\n                \n            <\/div>\n\n            \n\n\n                \n            \n        \n\n        \n    <\/div>\n\n<\/section>\n\n\n<section id=\"our-process\" class=\" signposts light-gray \" id=\"our-process\" data-anchor-text=\"Our processes\" data-anchor-link=\"Wealthtime-process\">\n\n    <div class=\"body-push row\">\n\n        <div class=\"grid  layout-75-35\">\n\n            <div class=\"col-1\">\n                \n                                     \n                    <h2 class=\"section-title\">What you&#8217;ll need to do next<\/h2>\n\n                \n                \n                    <div class=\"content\" data-animate-on-scroll='fade-up'>\n\n                        <p>We\u2019re here to help and support you. Please let us know as soon as possible if someone who holds investments on our platform has died. You\u2019ll need to send us some key documents to verify the death and continue with the bereavement process. Our bereavement process may differ slightly depending on the products held with us.<\/p>\n<p><strong><em>If you\u2019re unsure which products were held by the person who has died, don\u2019t worry \u2013 you can ask your adviser or <a href=\"https:\/\/www.wealthtime.com\/investors\/contact\/\">speak to a friendly member of our team<\/a>.<\/em><\/strong><\/p>\n\n                    <\/div>\n\n                \n                \n            <\/div>\n\n            \n        <\/div>\n\n        \n            <div class=\"grid signpost-row grid-cols-5 black\">\n\n                \n                    \n<a href=\"https:\/\/www.wealthtime.com\/investors\/support-hub\/bereavement-support\/#sipp\" target=\"_self\">\n    <article class=\"single-signpost black \" data-animate-on-scroll=\"fade-up\">\n\n        \n        \n        <div class=\"signpost-meta\">\n\n            \n                <h3 class=\"subtitle\">\n                    \n                    Self-Invested Personal Pension (SIPP)                \n                <\/h3>\n\n            \n            \n            \n                <div class=\"button-wrapper\"> \n                    \n                    <p class=\"button white\">\n                        \n                                                \n                    <\/p>\n                \n                <\/div> \n\n            \n        <\/div>\n\n    <\/article>\n\n<\/a>\n                \n                    \n<a href=\"https:\/\/www.wealthtime.com\/investors\/support-hub\/bereavement-support\/#isa-gia\" target=\"_self\">\n    <article class=\"single-signpost black \" data-animate-on-scroll=\"fade-up\">\n\n        \n        \n        <div class=\"signpost-meta\">\n\n            \n                <h3 class=\"subtitle\">\n                    \n                    Individual Savings Account (ISA)                \n                <\/h3>\n\n            \n            \n            \n                <div class=\"button-wrapper\"> \n                    \n                    <p class=\"button white\">\n                        \n                                                \n                    <\/p>\n                \n                <\/div> \n\n            \n        <\/div>\n\n    <\/article>\n\n<\/a>\n                \n                    \n<a href=\"https:\/\/www.wealthtime.com\/investors\/support-hub\/bereavement-support\/#isa-gia\" target=\"_self\">\n    <article class=\"single-signpost black \" data-animate-on-scroll=\"fade-up\">\n\n        \n        \n        <div class=\"signpost-meta\">\n\n            \n                <h3 class=\"subtitle\">\n                    \n                    General Investment Account (GIA)                \n                <\/h3>\n\n            \n            \n            \n                <div class=\"button-wrapper\"> \n                    \n                    <p class=\"button white\">\n                        \n                                                \n                    <\/p>\n                \n                <\/div> \n\n            \n        <\/div>\n\n    <\/article>\n\n<\/a>\n                \n                    \n<a href=\"https:\/\/www.wealthtime.com\/investors\/support-hub\/bereavement-support\/#offshore-bond \" target=\"_self\">\n    <article class=\"single-signpost black \" data-animate-on-scroll=\"fade-up\">\n\n        \n        \n        <div class=\"signpost-meta\">\n\n            \n                <h3 class=\"subtitle\">\n                    \n                    Offshore Bond                \n                <\/h3>\n\n            \n            \n            \n                <div class=\"button-wrapper\"> \n                    \n                    <p class=\"button white\">\n                        \n                                                \n                    <\/p>\n                \n                <\/div> \n\n            \n        <\/div>\n\n    <\/article>\n\n<\/a>\n                \n                    \n<a href=\"https:\/\/www.wealthtime.com\/investors\/support-hub\/bereavement-support\/#multiple-products\" target=\"_self\">\n    <article class=\"single-signpost black \" data-animate-on-scroll=\"fade-up\">\n\n        \n        \n        <div class=\"signpost-meta\">\n\n            \n                <h3 class=\"subtitle\">\n                    \n                    Multiple products                \n                <\/h3>\n\n            \n            \n            \n                <div class=\"button-wrapper\"> \n                    \n                    <p class=\"button white\">\n                        \n                                                \n                    <\/p>\n                \n                <\/div> \n\n            \n        <\/div>\n\n    <\/article>\n\n<\/a>\n                \n            <\/div>\n\n            \n\n\n                \n            \n        \n\n        \n    <\/div>\n\n<\/section>\n\n\n<section id=\"sipp\" class=\" signposts white \" id=\"sipp\"  >\n\n    <div class=\"body-push row\">\n\n        <div class=\"grid  layout-75-35\">\n\n            <div class=\"col-1\">\n                \n                                     \n                    <h2 class=\"section-title\">Self-Invested Personal Pension (SIPP)\u00a0<\/h2>\n\n                \n                \n                    <div class=\"content\" data-animate-on-scroll='fade-up'>\n\n                        <p><span data-contrast=\"auto\">Here we\u2019ve set out the steps involved following the death of a SIPP account holder. It\u2019s important to remember that death benefits from a SIPP are distributed at the discretion of the SIPP trustees. They make the final decision on who should receive any death benefits. As administrators of the pension scheme operating on behalf of the trustees, we have an obligation to investigate thoroughly and fairly.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"TextRun SCXW54439493 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW54439493 BCX0\">W<\/span><span class=\"NormalTextRun SCXW54439493 BCX0\">hat happens following<\/span><span class=\"NormalTextRun SCXW54439493 BCX0\">\u00a0the death of a SIPP account holder?<\/span><\/span><span class=\"EOP SCXW54439493 BCX0\" data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/h3>\n\n                    <\/div>\n\n                \n                \n            <\/div>\n\n            \n        <\/div>\n\n        \n            <div class=\"grid signpost-row grid-cols-3 black\">\n\n                \n                    \n\n    <article class=\"single-signpost black stat-active\" data-animate-on-scroll=\"fade-up\">\n\n        \n        \n            <h3 class=\"stat\">\n                \n                1\n                <sup><\/sup>\n            \n            <\/h3>\n\n        \n        <div class=\"signpost-meta\">\n\n            \n                <h3 class=\"subtitle\">\n                    \n                    Let us know                \n                <\/h3>\n\n            \n            \n                <span class=\"description\">\n                    \n                    <p>Let us know about the death of an account holder as soon as you\u2019re able to. You can let us know via phone, letter or email.<\/p>\n<p>&nbsp;<\/p>\n<p>We\u2019ll need sight of the original death certificate when available.<\/p>\n                \n                <\/span>\n\n            \n            \n        <\/div>\n\n    <\/article>\n\n\n                \n                    \n\n    <article class=\"single-signpost black stat-active\" data-animate-on-scroll=\"fade-up\">\n\n        \n        \n            <h3 class=\"stat\">\n                \n                2\n                <sup><\/sup>\n            \n            <\/h3>\n\n        \n        <div class=\"signpost-meta\">\n\n            \n                <h3 class=\"subtitle\">\n                    \n                    We&#8217;ll gather information                \n                <\/h3>\n\n            \n            \n                <span class=\"description\">\n                    \n                    <p>After we\u2019ve received the original death certificate, we\u2019ll ask about the deceased\u2019s relationships and family dynamics to identify potential beneficiaries who may eligible for death benefits. We may ask for contact details for any individuals we\u2019d like to speak with for further information.<\/p>\n<p>&nbsp;<\/p>\n<p>If the deceased provided us with an Expression of Wish form, we\u2019ll consider this in our investigation. We may request a copy of the deceased\u2019s will to aid the trustee\u2019s decision.<\/p>\n                \n                <\/span>\n\n            \n            \n        <\/div>\n\n    <\/article>\n\n\n                \n                    \n\n    <article class=\"single-signpost black stat-active\" data-animate-on-scroll=\"fade-up\">\n\n        \n        \n            <h3 class=\"stat\">\n                \n                3\n                <sup><\/sup>\n            \n            <\/h3>\n\n        \n        <div class=\"signpost-meta\">\n\n            \n                <h3 class=\"subtitle\">\n                    \n                    We&#8217;ll investigate                \n                <\/h3>\n\n            \n            \n                <span class=\"description\">\n                    \n                    <p>Once we\u2019ve managed to contact the beneficiaries, we\u2019ll investigate and provide the trustees with a summary to help them make their decision.<\/p>\n<p>&nbsp;<\/p>\n<p>The length of this depends on the complexity of the case and outlines some of the information we may ask for (such as family dynamics).<\/p>\n<p>&nbsp;<\/p>\n<p>We&#8217;ll provide updates as we go through this process.<\/p>\n                \n                <\/span>\n\n            \n            \n        <\/div>\n\n    <\/article>\n\n\n                \n                    \n\n    <article class=\"single-signpost black stat-active\" data-animate-on-scroll=\"fade-up\">\n\n        \n        \n            <h3 class=\"stat\">\n                \n                4\n                <sup><\/sup>\n            \n            <\/h3>\n\n        \n        <div class=\"signpost-meta\">\n\n            \n                <h3 class=\"subtitle\">\n                    \n                    Outcome                \n                <\/h3>\n\n            \n            \n                <span class=\"description\">\n                    \n                    <p>When the investigation is complete, we\u2019ll write to the beneficiaries directly confirming the options available to claim death benefits. We call this an \u2018options letter\u2019. The beneficiary will have the option of taking benefits as a lump sum, or in some case drawdown can be available subject to further requirements.<\/p>\n<p>&nbsp;<\/p>\n<p>Alternatively, they may seek an annuity through a provider of their choice. If a beneficiary is under the age of 18, we\u2019ll contact their parent or guardian once confirmed.<\/p>\n                \n                <\/span>\n\n            \n            \n        <\/div>\n\n    <\/article>\n\n\n                \n                    \n\n    <article class=\"single-signpost black stat-active\" data-animate-on-scroll=\"fade-up\">\n\n        \n        \n            <h3 class=\"stat\">\n                \n                5\n                <sup><\/sup>\n            \n            <\/h3>\n\n        \n        <div class=\"signpost-meta\">\n\n            \n                <h3 class=\"subtitle\">\n                    \n                    Beneficiary options                \n                <\/h3>\n\n            \n            \n                <span class=\"description\">\n                    \n                    <p>Once the beneficiaries have decided how they\u2019d like to receive their death benefits, they should return the completed options letter to us. We\u2019ll also need confirmation of their choice in a signed letter along with any other requirements. The options letter outlines our requirements for each option.<\/p>\n<p>&nbsp;<\/p>\n<p>Their signed instruction should confirm the payment type (i.e. lump sum or drawdown), account details (if lump sum) and national insurance number. You can find more information about the options in our FAQs.<\/p>\n                \n                <\/span>\n\n            \n            \n        <\/div>\n\n    <\/article>\n\n\n                \n            <\/div>\n\n            \n\n\n                \n            \n                <div class=\"cta-btn-wrap button-wrapper\">    \n                    \n                    \n                    <a href=\"https:\/\/www.wealthtime.com\/investors\/support-hub\/bereavement-support\/faqs\/#SIPP-faqs\" target=\"_self\" class=\"button black\">View SIPP FAQs<\/a>\n            \n                <\/div>\n\n            \n        \n\n        \n    <\/div>\n\n<\/section>\n\n\n<section id=\"isa-gia\" class=\" signposts light-gray \" id=\"isa-gia\"  >\n\n    <div class=\"body-push row\">\n\n        <div class=\"grid  layout-100-0\">\n\n            <div class=\"col-1\">\n                \n                                     \n                    <h2 class=\"section-title\">Individual Savings Account (ISA) and General Investment Account (GIA)<\/h2>\n\n                \n                \n                    <div class=\"content\" data-animate-on-scroll='fade-up'>\n\n                        <p>For ISAs and Individual GIAs, you\u2019ll still need to send us the original death certificate. We may need further documents and we\u2019ve set these out below alongside our other requirements.<\/p>\n\n                    <\/div>\n\n                \n                \n            <\/div>\n\n            \n        <\/div>\n\n        \n            <div class=\"grid signpost-row grid-cols-2 black\">\n\n                \n                    \n\n    <article class=\"single-signpost black \" data-animate-on-scroll=\"fade-up\">\n\n        \n            <div class=\"image-wrapper\">\n\n            <img decoding=\"async\" src=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2022\/09\/SIPP_GREEN.svg\" alt=\"signpost icon\" width=\"295px\" height=\"295px\" \/>\n\n            <\/div>\n        \n        \n        \n        <div class=\"signpost-meta\">\n\n            \n                <h3 class=\"subtitle\">\n                    \n                    Less than \u00a350,000                \n                <\/h3>\n\n            \n            \n                <span class=\"description\">\n                    \n                    <p>For an ISA or GIA holding less than \u00a350,000 we need:<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>The original\u202fgrant of representation,\u202for\u202fa\u202fcertified copy of the\u202flast valid will\u202f(certified on every page) with a completed\u202fsmall estates form,\u202fsigned by the named executors on the will<\/li>\n<li>A certified copy of a\u202fdriving licence or passport\u202ffor each executor, if we do not already hold signature verification for them<\/li>\n<li>A completed\u202fexecutor\u2019s payment instruction form, signed by all executors named on the applicable grant of probate \/ will<\/li>\n<li>ISA only: A completed additional permitted subscription form if the spouse of the deceased wishes to move the ISA to one in their own name (must be done within three years from date of death)<\/li>\n<\/ul>\n                \n                <\/span>\n\n            \n            \n        <\/div>\n\n    <\/article>\n\n\n                \n                    \n\n    <article class=\"single-signpost black \" data-animate-on-scroll=\"fade-up\">\n\n        \n            <div class=\"image-wrapper\">\n\n            <img decoding=\"async\" src=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2022\/09\/Guarenteed-Income.svg\" alt=\"signpost icon\" width=\"295px\" height=\"295px\" \/>\n\n            <\/div>\n        \n        \n        \n        <div class=\"signpost-meta\">\n\n            \n                <h3 class=\"subtitle\">\n                    \n                    More than \u00a350,000                \n                <\/h3>\n\n            \n            \n                <span class=\"description\">\n                    \n                    <p>For an ISA or GIA holding above \u00a350,000 we need:<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>The original\u202fgrant of representation<\/li>\n<li>A certified copy of a driving licence or passport\u202ffor each executor if we don\u2019t already hold signature verification for them<\/li>\n<li>A completed\u202fexecutor\u2019s payment instruction form signed by all executors named on the applicable grant of probate<\/li>\n<li>ISA only: A completed additional permitted subscription form if the spouse of the deceased wishes to move the ISA to one in their own name (must be done within three years from date of death)<\/li>\n<\/ul>\n                \n                <\/span>\n\n            \n            \n        <\/div>\n\n    <\/article>\n\n\n                \n            <\/div>\n\n            \n\n\n                \n            \n                <div class=\"cta-btn-wrap button-wrapper\">    \n                    \n                    \n                    <a href=\"https:\/\/www.wealthtime.com\/investors\/support-hub\/bereavement-support\/faqs\/#ISA-GIA-faqs\" target=\"_self\" class=\"button black\">View ISA and GIA FAQs<\/a>\n            \n                <\/div>\n\n            \n        \n\n        \n    <\/div>\n\n<\/section>\n\n\n\n\n<section id=\"useful-downloads\" class=\" signposts bg-pattern-1 \" id=\"useful-downloads\"  >\n\n    <div class=\"body-push row\">\n\n        <div class=\"grid  layout-75-35\">\n\n            <div class=\"col-1\">\n                \n                                     \n                    <h2 class=\"section-title\">Useful downloads<\/h2>\n\n                \n                \n                \n            <\/div>\n\n            \n        <\/div>\n\n        \n            <div class=\"grid signpost-row grid-cols-5 transparent\">\n\n                \n                    \n<a href=\"https:\/\/www.wealthtime.com\/advisers\/adviser-hub\/document-library\/docs\/deceased-client-process\/\" target=\"_self\">\n    <article class=\"single-signpost transparent \" data-animate-on-scroll=\"fade-up\">\n\n        \n        \n        <div class=\"signpost-meta\">\n\n            \n                <h3 class=\"subtitle\">\n                    \n                    Wealthtime deceased client process guide                \n                <\/h3>\n\n            \n            \n                <span class=\"description\">\n                    \n                    <p>&nbsp;<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignleft wp-image-5520 size-medium\" src=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2026\/03\/Mini-deceased-clients-guide-255x300.png\" alt=\"\" width=\"255\" height=\"300\" srcset=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2026\/03\/Mini-deceased-clients-guide-255x300.png 255w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2026\/03\/Mini-deceased-clients-guide.png 509w\" sizes=\"auto, (max-width: 255px) 100vw, 255px\" \/><\/p>\n<p>&nbsp;<\/p>\n                \n                <\/span>\n\n            \n            \n                <div class=\"button-wrapper\"> \n                    \n                    <p class=\"button white\">\n                        \n                        View guide                        \n                    <\/p>\n                \n                <\/div> \n\n            \n        <\/div>\n\n    <\/article>\n\n<\/a>\n                \n                    \n<a href=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2026\/03\/SIPP-Deceased-Family-and-Dependents-Form_0226.pdf\" target=\"_self\">\n    <article class=\"single-signpost transparent \" data-animate-on-scroll=\"fade-up\">\n\n        \n        \n        <div class=\"signpost-meta\">\n\n            \n                <h3 class=\"subtitle\">\n                    \n                    Deceased family and dependents form (SIPP)                \n                <\/h3>\n\n            \n            \n                <span class=\"description\">\n                    \n                    <p>&nbsp;<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignleft wp-image-5519 size-medium\" src=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2026\/03\/Mini-SIPP-dependents-form-255x300.png\" alt=\"\" width=\"255\" height=\"300\" srcset=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2026\/03\/Mini-SIPP-dependents-form-255x300.png 255w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2026\/03\/Mini-SIPP-dependents-form.png 509w\" sizes=\"auto, (max-width: 255px) 100vw, 255px\" \/><\/p>\n<p>&nbsp;<\/p>\n                \n                <\/span>\n\n            \n            \n                <div class=\"button-wrapper\"> \n                    \n                    <p class=\"button white\">\n                        \n                        View form                        \n                    <\/p>\n                \n                <\/div> \n\n            \n        <\/div>\n\n    <\/article>\n\n<\/a>\n                \n                    \n<a href=\"https:\/\/www.wealthtime.com\/investors\/documents\/small-estates-and-indemnity-form\/\" target=\"_self\">\n    <article class=\"single-signpost transparent \" data-animate-on-scroll=\"fade-up\">\n\n        \n        \n        <div class=\"signpost-meta\">\n\n            \n                <h3 class=\"subtitle\">\n                    \n                    Small estates and indemnity form                \n                <\/h3>\n\n            \n            \n                <span class=\"description\">\n                    \n                    <p>&nbsp;<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignleft wp-image-5515 size-medium\" src=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2026\/03\/Mini-Small-Estates-form-255x300.png\" alt=\"\" width=\"255\" height=\"300\" srcset=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2026\/03\/Mini-Small-Estates-form-255x300.png 255w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2026\/03\/Mini-Small-Estates-form.png 509w\" sizes=\"auto, (max-width: 255px) 100vw, 255px\" \/><\/p>\n<p>&nbsp;<\/p>\n                \n                <\/span>\n\n            \n            \n                <div class=\"button-wrapper\"> \n                    \n                    <p class=\"button white\">\n                        \n                        View form                        \n                    <\/p>\n                \n                <\/div> \n\n            \n        <\/div>\n\n    <\/article>\n\n<\/a>\n                \n                    \n<a href=\"https:\/\/www.wealthtime.com\/advisers\/adviser-hub\/document-library\/docs\/executors-payment-instruction\/\" target=\"_self\">\n    <article class=\"single-signpost transparent \" data-animate-on-scroll=\"fade-up\">\n\n        \n        \n        <div class=\"signpost-meta\">\n\n            \n                <h3 class=\"subtitle\">\n                    \n                    Executor\u2019s payment instruction                \n                <\/h3>\n\n            \n            \n                <span class=\"description\">\n                    \n                    <p>&nbsp;<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignleft wp-image-5516 size-medium\" src=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2026\/03\/Mini-EPI-form-255x300.png\" alt=\"\" width=\"255\" height=\"300\" srcset=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2026\/03\/Mini-EPI-form-255x300.png 255w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2026\/03\/Mini-EPI-form.png 509w\" sizes=\"auto, (max-width: 255px) 100vw, 255px\" \/><\/p>\n<p>&nbsp;<\/p>\n                \n                <\/span>\n\n            \n            \n                <div class=\"button-wrapper\"> \n                    \n                    <p class=\"button white\">\n                        \n                        View form                        \n                    <\/p>\n                \n                <\/div> \n\n            \n        <\/div>\n\n    <\/article>\n\n<\/a>\n                \n                    \n<a href=\"https:\/\/www.wealthtime.com\/advisers\/adviser-hub\/document-library\/docs\/wt-isa-additional-permitted-subscription-application\/\" target=\"_self\">\n    <article class=\"single-signpost transparent \" data-animate-on-scroll=\"fade-up\">\n\n        \n        \n        <div class=\"signpost-meta\">\n\n            \n                <h3 class=\"subtitle\">\n                    \n                    Additional Permitted Subscription (ISA)                \n                <\/h3>\n\n            \n            \n                <span class=\"description\">\n                    \n                    <p>&nbsp;<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignleft wp-image-5513 size-medium\" src=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2026\/03\/ISA-APS-3-255x300.png\" alt=\"\" width=\"255\" height=\"300\" srcset=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2026\/03\/ISA-APS-3-255x300.png 255w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2026\/03\/ISA-APS-3.png 509w\" sizes=\"auto, (max-width: 255px) 100vw, 255px\" \/><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n                \n                <\/span>\n\n            \n            \n                <div class=\"button-wrapper\"> \n                    \n                    <p class=\"button white\">\n                        \n                        View form                        \n                    <\/p>\n                \n                <\/div> \n\n            \n        <\/div>\n\n    <\/article>\n\n<\/a>\n                \n            <\/div>\n\n            \n\n\n                \n            \n                <div class=\"cta-btn-wrap button-wrapper\">    \n                    \n                    \n                    <a href=\"https:\/\/www.wealthtime.com\/investors\/support-hub\/bereavement-support\/faqs\/#document-faqs\" target=\"_self\" class=\"button white\">View Document FAQs<\/a>\n            \n                <\/div>\n\n            \n        \n\n        \n    <\/div>\n\n<\/section>\n\n\n<section id=\"offshore-bond\" class=\" signposts white \" id=\"offshore-bond\"  >\n\n    <div class=\"body-push row\">\n\n        <div class=\"grid  layout-75-35\">\n\n            <div class=\"col-1\">\n                \n                                     \n                    <h2 class=\"section-title\">Offshore Bond<\/h2>\n\n                \n                \n                    <div class=\"content\" data-animate-on-scroll='fade-up'>\n\n                        <p>Our Offshore Bond, provided by RL360, is an offshore investment linked life assurance policy which includes a cash facility.<\/p>\n<p>To begin the bereavement process, we need sight of the original death certificate. The provider, RL360, will also require an Isle of Man probate as this is where they\u2019re based.<\/p>\n<p>As we work with RL360 to administer this product, we\u2019ll work with them to understand and outline the requirements to you, which may vary depending on the individual case. Please get in touch if you have questions or need help with an Offshore Bond following a bereavement.<\/p>\n\n                    <\/div>\n\n                \n                        \n                    \n                        <div class=\"button-wrapper\">\n\n\n                            <a href=\"https:\/\/www.rl360.com\/\" target=\"_blank\" class=\"button black\">Find out more about RL360<\/a>\n                    \n                        <\/div>\n\n                    \n                \n            <\/div>\n\n            \n                <div class=\"col-2\">\n\n                    <div class=\"image\" data-animate-on-scroll='fade-in'>\n\n                        <img loading=\"lazy\" decoding=\"async\" width=\"499\" height=\"137\" src=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2026\/03\/RL360-logo.jpg\" class=\"attachment-small size-small\" alt=\"signpost row\" srcset=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2026\/03\/RL360-logo.jpg 499w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2026\/03\/RL360-logo-300x82.jpg 300w\" sizes=\"auto, (max-width: 499px) 100vw, 499px\" \/>\n                    <\/div>\n            \n                <\/div>\n                \n            \n        <\/div>\n\n            \n\n\n        \n\n        \n    <\/div>\n\n<\/section>\n\n\n<section id=\"Bereavement-FAQs\" class=\" signposts bg-pattern-1 \" id=\"Bereavement-FAQs\"  >\n\n    <div class=\"body-push row\">\n\n        <div class=\"grid reverse-layout layout-75-35\">\n\n            <div class=\"col-1\">\n                \n                                     \n                    <h2 class=\"section-title\">Bereavement FAQs<\/h2>\n\n                \n                \n                    <div class=\"content\" data-animate-on-scroll='fade-up'>\n\n                        <p>For more information and answers to common questions around bereavement, take a look at our bereavement FAQs.<\/p>\n\n                    <\/div>\n\n                \n                        \n                    \n                        <div class=\"button-wrapper\">\n\n\n                            <a href=\"https:\/\/www.wealthtime.com\/investors\/support-hub\/bereavement-support\/faqs\/\" target=\"_self\" class=\"button white\">View our Bereavement FAQs<\/a>\n                    \n                        <\/div>\n\n                    \n                \n            <\/div>\n\n            \n                <div class=\"col-2\">\n\n                    <div class=\"image\" data-animate-on-scroll='fade-in'>\n\n                        <img loading=\"lazy\" decoding=\"async\" width=\"417\" height=\"417\" src=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2025\/11\/Wipro-Launch-icons-v2-04.png\" class=\"attachment-small size-small\" alt=\"signpost row\" srcset=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2025\/11\/Wipro-Launch-icons-v2-04.png 417w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2025\/11\/Wipro-Launch-icons-v2-04-300x300.png 300w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2025\/11\/Wipro-Launch-icons-v2-04-150x150.png 150w\" sizes=\"auto, (max-width: 417px) 100vw, 417px\" \/>\n                    <\/div>\n            \n                <\/div>\n                \n            \n        <\/div>\n\n            \n\n\n        \n\n        \n    <\/div>\n\n<\/section>\n\n\n<section id=\"prepare-future\" class=\" signposts white \" id=\"prepare-future\"  >\n\n    <div class=\"body-push row\">\n\n        <div class=\"grid  layout-75-35\">\n\n            <div class=\"col-1\">\n                \n                                     \n                    <h2 class=\"section-title\">Preparing for your future<\/h2>\n\n                \n                \n                \n            <\/div>\n\n            \n        <\/div>\n\n        \n            <div class=\"grid signpost-row grid-cols-4 transparent\">\n\n                \n                    \n<a href=\"https:\/\/www.wealthtime.com\/investors\/login\/\" target=\"_self\">\n    <article class=\"single-signpost transparent \" data-animate-on-scroll=\"fade-up\">\n\n        \n            <div class=\"image-wrapper\">\n\n            <img decoding=\"async\" src=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2026\/03\/bereavement-hub-icons_Beneficiaries.png\" alt=\"signpost icon\" width=\"295px\" height=\"295px\" \/>\n\n            <\/div>\n        \n        \n        \n        <div class=\"signpost-meta\">\n\n            \n                <h3 class=\"subtitle\">\n                    \n                    Add your beneficiaries                \n                <\/h3>\n\n            \n            \n                <span class=\"description\">\n                    \n                    <p>Let us know who you\u2019d like to receive any benefits following your death. We recommend reviewing your beneficiaries regularly and letting us know whether they\u2019re still correct.<\/p>\n                \n                <\/span>\n\n            \n            \n                <div class=\"button-wrapper\"> \n                    \n                    <p class=\"button black\">\n                        \n                        Login to update                        \n                    <\/p>\n                \n                <\/div> \n\n            \n        <\/div>\n\n    <\/article>\n\n<\/a>\n                \n                    \n<a href=\"https:\/\/www.gov.uk\/make-will\/updating-your-will\" target=\"_blank\">\n    <article class=\"single-signpost transparent \" data-animate-on-scroll=\"fade-up\">\n\n        \n            <div class=\"image-wrapper\">\n\n            <img decoding=\"async\" src=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2026\/03\/bereavement-hub-icons_Keep-will-updated.svg\" alt=\"signpost icon\" width=\"295px\" height=\"295px\" \/>\n\n            <\/div>\n        \n        \n        \n        <div class=\"signpost-meta\">\n\n            \n                <h3 class=\"subtitle\">\n                    \n                    Keep your will updated                \n                <\/h3>\n\n            \n            \n                <span class=\"description\">\n                    \n                    <p>An updated will helps us to understand what should happen to your estate in the event of your death. We have a responsibility to ensure it\u2019s dealt with according to your will.<\/p>\n                \n                <\/span>\n\n            \n            \n                <div class=\"button-wrapper\"> \n                    \n                    <p class=\"button black\">\n                        \n                        Update your will                        \n                    <\/p>\n                \n                <\/div> \n\n            \n        <\/div>\n\n    <\/article>\n\n<\/a>\n                \n                    \n<a href=\"https:\/\/www.unbiased.co.uk\/\" target=\"_blank\">\n    <article class=\"single-signpost transparent \" data-animate-on-scroll=\"fade-up\">\n\n        \n            <div class=\"image-wrapper\">\n\n            <img decoding=\"async\" src=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2026\/03\/bereavement-hub-icons_Talk-to-your-adviser.svg\" alt=\"signpost icon\" width=\"295px\" height=\"295px\" \/>\n\n            <\/div>\n        \n        \n        \n        <div class=\"signpost-meta\">\n\n            \n                <h3 class=\"subtitle\">\n                    \n                    Talk to your adviser                \n                <\/h3>\n\n            \n            \n                <span class=\"description\">\n                    \n                    <p>Your financial adviser or accountant may be able to help organise legal and financial documents, communicate your future wishes, and make practical arrangements.<\/p>\n                \n                <\/span>\n\n            \n            \n                <div class=\"button-wrapper\"> \n                    \n                    <p class=\"button black\">\n                        \n                        Find an adviser                        \n                    <\/p>\n                \n                <\/div> \n\n            \n        <\/div>\n\n    <\/article>\n\n<\/a>\n                \n                    \n<a href=\"https:\/\/www.wealthtime.com\/investors\/documents\/sipp-expression-of-wish\/\" target=\"_self\">\n    <article class=\"single-signpost transparent \" data-animate-on-scroll=\"fade-up\">\n\n        \n            <div class=\"image-wrapper\">\n\n            <img decoding=\"async\" src=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2026\/03\/bereavement-hub-icons_Expression-of-Wish.svg\" alt=\"signpost icon\" width=\"295px\" height=\"295px\" \/>\n\n            <\/div>\n        \n        \n        \n        <div class=\"signpost-meta\">\n\n            \n                <h3 class=\"subtitle\">\n                    \n                    Expression of Wish (SIPP only)                \n                <\/h3>\n\n            \n            \n                <span class=\"description\">\n                    \n                    <p>If you have a SIPP with us, we recommend completing an Expression of Wish form, to state who you\u2019d like to receive death benefits in the event of your death. This helps guide the trustees with their decision, but isn\u2019t binding.<\/p>\n                \n                <\/span>\n\n            \n            \n                <div class=\"button-wrapper\"> \n                    \n                    <p class=\"button black\">\n                        \n                        View form                        \n                    <\/p>\n                \n                <\/div> \n\n            \n        <\/div>\n\n    <\/article>\n\n<\/a>\n                \n            <\/div>\n\n            \n\n\n                \n            \n        \n\n        \n    <\/div>\n\n<\/section>\n\n\n<section id=\"multiple-products\" class=\"tools light-gray \" data-anchor-text=\"Extra support\" data-anchor-link=\"Extra-support\" id=\"multiple-products\">\n\n  <div class=\"body-push row\">\n\n    <div class=\"blurb-wrapper\">\n\n      <div class=\"column\">\n\n        \n          <h2>Extra support<\/h2>\n\n        \n        \n          <div class=\"content\">\n\n            <h5 class=\"section-title\"><span style=\"color: inherit; font-size: 1.5rem;\">We\u2019ve set out some extra information and links to support that you may find helpful following a bereavement.<\/span><\/h5>\n<p>&nbsp;<\/p>\n<h3><\/h3>\n<div class=\"content fade-up-animation-element fade-up\" data-animate-on-scroll=\"fade-up\">\n<h2><span data-contrast=\"auto\">What to do when someone dies<\/span><\/h2>\n<\/div>\n<p>Losing someone often comes with various legal and financial matters to deal with. These may be the last thing on your mind, but knowing exactly what you need to do can make things a little easier.<\/p>\n\n          <\/div>\n\n        \n      <\/div>\n\n    <\/div>\n\n    <div class=\"article-replace-section\"><\/div>\n    \n    <div class=\"article-original-section\">\n\n        <div class=\"grid light-gray\" data-column-count=\"4\">\n                        \n                        \n            <div data-href=\"signpost-\" class=\"tools col-span-4\" id=\"tools-id-2\">\n\n                <article id=\"signpost-2\" class=\"tools-post black\">\n\n                    <div class=\"post-wrapper\">\n\n                        <div class=\"post-thumbnail\">\n\n                        \n                            \n                            <img decoding=\"async\" src=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2022\/09\/phone_circle.svg\" class=\"tools-thumbnail\" alt=\"tools-thumbnail placeholder\" \/>\n\n                        \n                        <\/div>\n\n                        \n                            <h3 class=\"post-title\">Let us know and send documents<\/h3>\n\n                        \n                        <span class=\"meta\">\n\n                        <span class=\"blurb\" data-tab-id=\"\" data-mobile-state=\"false\">\n\n                            \n                                <p><span data-contrast=\"auto\">We\u2019re\u00a0here to\u00a0help\u00a0and support you. Please let us know\u00a0as soon as possible if\u00a0someone who\u00a0holds\u00a0investments\u00a0on our platform has died.\u00a0You\u2019ll\u00a0need\u00a0to send us some key documents to verify the death\u00a0and continue with\u00a0the\u00a0bereavement\u00a0process.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><strong>Get in touch with\u00a0our team:\u00a0<\/strong><\/p>\n<p><span data-contrast=\"auto\"><strong>Email:<\/strong>\u202f<\/span><a href=\"mailto:clientservices@wealthtime.com\"><span data-contrast=\"none\">clientservices@wealthtime.com<\/span><\/a><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\"><strong>Phone:<\/strong>\u202f0345 680 8000<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\"><strong>Postal Address:<\/strong>\u202fWealthtime, PO Box 4328, Bath, BA1 0LR<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n\n                            \n                            \n                        <\/span>\n\n                                                    <span class=\"learn-more-button\">Learn more<span class=\"arrow-close\"><\/span>\n                        \n                    <\/div>\n\n                <\/article>\n\n            <\/div>\n\n            \n                        \n            <div data-href=\"signpost-\" class=\"tools col-span-4\" id=\"tools-id-3\">\n\n                <article id=\"signpost-3\" class=\"tools-post black\">\n\n                    <div class=\"post-wrapper\">\n\n                        <div class=\"post-thumbnail\">\n\n                        \n                            \n                            <img decoding=\"async\" src=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2022\/09\/Discrationary-Fund-Managers.svg\" class=\"tools-thumbnail\" alt=\"tools-thumbnail placeholder\" \/>\n\n                        \n                        <\/div>\n\n                        \n                            <h3 class=\"post-title\">Find out if you\u2019re the executor<\/h3>\n\n                        \n                        <span class=\"meta\">\n\n                        <span class=\"blurb\" data-tab-id=\"\" data-mobile-state=\"false\">\n\n                            \n                                <p><span data-contrast=\"auto\">If the deceased person has a written\u00a0will, they should have\u00a0appointed\u00a0an executor to carry out their wishes. This person is given the legal power to deal with financial issues after their death. For example,\u00a0paying any outstanding debts or tax.\u00a0They\u2019re\u00a0also responsible for dividing up their estate, including assets such as property,\u00a0savings\u00a0and personal belongings \u2013 according to the\u00a0deceased\u2019s\u00a0wishes\u00a0as\u00a0stated\u00a0in their\u00a0will. The act of settling an estate is called probate.<\/span><\/p>\n<p><span data-contrast=\"auto\">When a person dies without a will in place, their assets are considered legally to be \u2018intestate\u2019.\u00a0In this case,\u00a0the most \u2018entitled\u2019 person can apply to become the administrator of the estate.\u00a0<\/span><a href=\"https:\/\/www.gov.uk\/applying-for-probate\/if-theres-not-a-will\"><span data-contrast=\"none\">Learn more on the Government website<\/span><\/a><span data-contrast=\"auto\">.<\/span><\/p>\n\n                            \n                            \n                        <\/span>\n\n                                                    <span class=\"learn-more-button\">Learn more<span class=\"arrow-close\"><\/span>\n                        \n                    <\/div>\n\n                <\/article>\n\n            <\/div>\n\n            \n                        \n            <div data-href=\"signpost-\" class=\"tools col-span-4\" id=\"tools-id-4\">\n\n                <article id=\"signpost-4\" class=\"tools-post black\">\n\n                    <div class=\"post-wrapper\">\n\n                        <div class=\"post-thumbnail\">\n\n                        \n                            \n                            <img decoding=\"async\" src=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2022\/07\/press-related.svg\" class=\"tools-thumbnail\" alt=\"tools-thumbnail placeholder\" \/>\n\n                        \n                        <\/div>\n\n                        \n                            <h3 class=\"post-title\">Register and notify the death<\/h3>\n\n                        \n                        <span class=\"meta\">\n\n                        <span class=\"blurb\" data-tab-id=\"\" data-mobile-state=\"false\">\n\n                            \n                                <p><span data-contrast=\"auto\">One of the first things you need to do is register the death.\u00a0The\u202f<\/span><a href=\"https:\/\/www.gov.uk\/register-a-death\"><span data-contrast=\"none\">government website<\/span><\/a><span data-contrast=\"auto\">\u202fwill\u00a0guide you through this.\u00a0In the UK, this should happen within five days of a person dying. Once registered,\u00a0you\u2019ll\u00a0pay a small fee to get\u202f<\/span><a href=\"https:\/\/www.gov.uk\/order-copy-birth-death-marriage-certificate\"><span data-contrast=\"none\">the death certificate<\/span><\/a><span data-contrast=\"auto\">. This gives you legal proof\u00a0you can use to\u00a0notify banks and other organisations. It can be helpful to get more than one copy of the death certificate.<\/span><\/p>\n<p><span data-contrast=\"auto\">A useful way to notify all government departments such as HMRC, DVLA, Department of Work and Pensions is to use the\u00a0<\/span><a href=\"https:\/\/www.gov.uk\/after-a-death\"><span data-contrast=\"none\">tell us once<\/span><\/a><span data-contrast=\"auto\">\u202fservice.<\/span><\/p>\n\n                            \n                            \n                        <\/span>\n\n                                                    <span class=\"learn-more-button\">Learn more<span class=\"arrow-close\"><\/span>\n                        \n                    <\/div>\n\n                <\/article>\n\n            <\/div>\n\n            \n                        \n            <div data-href=\"signpost-\" class=\"tools col-span-4\" id=\"tools-id-5\">\n\n                <article id=\"signpost-5\" class=\"tools-post black\">\n\n                    <div class=\"post-wrapper\">\n\n                        <div class=\"post-thumbnail\">\n\n                        \n                            \n                            <img decoding=\"async\" src=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2022\/09\/Guarenteed-Income.svg\" class=\"tools-thumbnail\" alt=\"tools-thumbnail placeholder\" \/>\n\n                        \n                        <\/div>\n\n                        \n                            <h3 class=\"post-title\">Deal with holdings<\/h3>\n\n                        \n                        <span class=\"meta\">\n\n                        <span class=\"blurb\" data-tab-id=\"\" data-mobile-state=\"false\">\n\n                            \n                                <p><span data-contrast=\"auto\">Sorting out finances after a death is important. There are various options for managing the deceased\u2019s holdings, so we strongly recommend seeking professional advice on these choices.<\/span><\/p>\n<p class=\"scriptor-paragraph\"><strong>This may involve:<\/strong><\/p>\n<ul class=\"\">\n<li class=\"scriptor-listItemlist!list-c1846188-94a3-4084-8530-cb1543ccd5280\">Selling the investments and distributing the proceeds<\/li>\n<li class=\"scriptor-listItemlist!list-c1846188-94a3-4084-8530-cb1543ccd5280\">Transferring the investments<\/li>\n<li class=\"scriptor-listItemlist!list-c1846188-94a3-4084-8530-cb1543ccd5280\">Directly settling an inheritance tax bill with HMRC<\/li>\n<li class=\"scriptor-listItemlist!list-c1846188-94a3-4084-8530-cb1543ccd5280\">Utilizing the Additional Permitted Subscription (APS) allowance for ISAs. Please refer to our <a href=\"https:\/\/www.wealthtime.com\/investors\/support-hub\/bereavement-support\/faqs\/#ISA-GIA-faqs\">APS FAQ<\/a> for more details.<\/li>\n<\/ul>\n<p><span data-contrast=\"auto\">These\u00a0actions\u00a0must be signed\u00a0and agreed\u00a0by all personal representatives.<\/span><\/p>\n<p>See further practical tips on <a href=\"https:\/\/www.wealthtime.com\/investors\/support-hub\/bereavement-support\/#handling-finances\"><span style=\"text-decoration: underline;\"><strong>Handling finances<\/strong><\/span><\/a> below.<\/p>\n\n                            \n                            \n                        <\/span>\n\n                                                    <span class=\"learn-more-button\">Learn more<span class=\"arrow-close\"><\/span>\n                        \n                    <\/div>\n\n                <\/article>\n\n            <\/div>\n\n            \n        <\/div>\n\n    <\/div>\n\n    \n        \n    <\/div>\n\n<\/section>\n\n\n<section id=\"signposts-block_08dc8eb6afa80f5279ffc6f693fc7123\" class=\" signposts white \" id=\"signposts-block_08dc8eb6afa80f5279ffc6f693fc7123\"  >\n\n    <div class=\"body-push row\">\n\n        <div class=\"grid  layout-75-35\">\n\n            <div class=\"col-1\">\n                \n                                     \n                    <h2 class=\"section-title\">Don&#8217;t have an adviser?<\/h2>\n\n                \n                \n                    <div class=\"content\" data-animate-on-scroll='fade-up'>\n\n                        <p>If you don&#8217;t have a financial adviser to turn to during this difficult time, Unbiased.com can help you find an FCA-regulated adviser quickly.<\/p>\n\n                    <\/div>\n\n                \n                        \n                    \n                        <div class=\"button-wrapper\">\n\n\n                            <a href=\"https:\/\/www.unbiased.co.uk\/\" target=\"_blank\" class=\"button black\">Visit the Unbiased website<\/a>\n                    \n                        <\/div>\n\n                    \n                \n            <\/div>\n\n            \n                <div class=\"col-2\">\n\n                    <div class=\"image\" data-animate-on-scroll='fade-in'>\n\n                        <img loading=\"lazy\" decoding=\"async\" width=\"1191\" height=\"389\" src=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2025\/11\/Unbiased__LockUp__Web-3.png\" class=\"attachment-small size-small\" alt=\"signpost row\" srcset=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2025\/11\/Unbiased__LockUp__Web-3.png 1191w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2025\/11\/Unbiased__LockUp__Web-3-300x98.png 300w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2025\/11\/Unbiased__LockUp__Web-3-1024x334.png 1024w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2025\/11\/Unbiased__LockUp__Web-3-768x251.png 768w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2025\/11\/Unbiased__LockUp__Web-3-640x209.png 640w\" sizes=\"auto, (max-width: 1191px) 100vw, 1191px\" \/>\n                    <\/div>\n            \n                <\/div>\n                \n            \n        <\/div>\n\n            \n\n\n        \n\n        \n    <\/div>\n\n<\/section>\n\n\n<section id=\"handling-finances\" class=\"tools light-gray \"   id=\"handling-finances\">\n\n  <div class=\"body-push row\">\n\n    <div class=\"blurb-wrapper\">\n\n      <div class=\"column\">\n\n        \n          <h2>Handling finances: Practical tips<\/h2>\n\n        \n        \n          <div class=\"content\">\n\n            <p><span class=\"TextRun Highlight SCXW264455563 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW264455563 BCX0\">We\u2019ve<\/span><span class=\"NormalTextRun SCXW264455563 BCX0\">\u00a0put together some practical tips to help you\u00a0<\/span><span class=\"NormalTextRun SCXW264455563 BCX0\">manage finances<\/span><span class=\"NormalTextRun SCXW264455563 BCX0\"> following someone\u2019s death.<\/span><\/span><\/p>\n\n          <\/div>\n\n        \n      <\/div>\n\n    <\/div>\n\n    <div class=\"article-replace-section\"><\/div>\n    \n    <div class=\"article-original-section\">\n\n        <div class=\"grid light-gray\" data-column-count=\"3\">\n                        \n                        \n            <div data-href=\"signpost-\" class=\"tools col-span-3\" id=\"tools-id-2\">\n\n                <article id=\"signpost-2\" class=\"tools-post black\">\n\n                    <div class=\"post-wrapper\">\n\n                        <div class=\"post-thumbnail\">\n\n                        \n                            \n                            <img decoding=\"async\" src=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2022\/09\/SIPP_GREEN.svg\" class=\"tools-thumbnail\" alt=\"tools-thumbnail placeholder\" \/>\n\n                        \n                        <\/div>\n\n                        \n                            <h3 class=\"post-title\">Pension<\/h3>\n\n                        \n                        <span class=\"meta\">\n\n                        <span class=\"blurb\" data-tab-id=\"\" data-mobile-state=\"false\">\n\n                            \n                                <p><span data-contrast=\"auto\">It\u2019s\u00a0important to inform pension providers of the death as soon as possible. They have their own\u00a0requirements and may have support available if\u00a0it\u2019s\u00a0needed.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">The information on this page is specific to our Self-Invested Personal Pension,\u00a0so the process and requirements may vary for other types of\u00a0pension.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">If you\u00a0aren\u2019t\u00a0sure what pensions the deceased may have had, you can use the\u00a0<\/span><a href=\"https:\/\/www.gov.uk\/find-pension-contact-details\"><span data-contrast=\"none\">Pension Tracing Service<\/span><\/a><span data-contrast=\"auto\">\u00a0to\u00a0request contact details.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">If the deceased had an armed forces pension, contact\u00a0<\/span><a href=\"https:\/\/www.gov.uk\/guidance\/veterans-uk-contact-us\"><span data-contrast=\"none\">Veterans UK.<\/span><\/a><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n\n                            \n                            \n                        <\/span>\n\n                                                    <span class=\"learn-more-button\">Learn more<span class=\"arrow-close\"><\/span>\n                        \n                    <\/div>\n\n                <\/article>\n\n            <\/div>\n\n            \n                        \n            <div data-href=\"signpost-\" class=\"tools col-span-3\" id=\"tools-id-3\">\n\n                <article id=\"signpost-3\" class=\"tools-post black\">\n\n                    <div class=\"post-wrapper\">\n\n                        <div class=\"post-thumbnail\">\n\n                        \n                            \n                            <img decoding=\"async\" src=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2022\/10\/Capital-Gains-Calculator.svg\" class=\"tools-thumbnail\" alt=\"tools-thumbnail placeholder\" \/>\n\n                        \n                        <\/div>\n\n                        \n                            <h3 class=\"post-title\">Bank accounts<\/h3>\n\n                        \n                        <span class=\"meta\">\n\n                        <span class=\"blurb\" data-tab-id=\"\" data-mobile-state=\"false\">\n\n                            \n                                <p><span data-contrast=\"auto\">The deceased\u2019s bank will need to be notified about the death as soon as possible.\u00a0They\u2019ll\u00a0usually need the original death certificate to start their process.<\/span><\/p>\n<p><span data-contrast=\"auto\">The bank will have their own process and requirements.\u00a0You\u2019ll\u00a0need to contact them as soon as possible to understand what\u00a0they\u2019ll\u00a0need to release funds.<\/span><\/p>\n\n                            \n                            \n                        <\/span>\n\n                                                    <span class=\"learn-more-button\">Learn more<span class=\"arrow-close\"><\/span>\n                        \n                    <\/div>\n\n                <\/article>\n\n            <\/div>\n\n            \n                        \n            <div data-href=\"signpost-\" class=\"tools col-span-3\" id=\"tools-id-4\">\n\n                <article id=\"signpost-4\" class=\"tools-post black\">\n\n                    <div class=\"post-wrapper\">\n\n                        <div class=\"post-thumbnail\">\n\n                        \n                            \n                            <img decoding=\"async\" src=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2026\/03\/bereavement_hub_icons_employment.png\" class=\"tools-thumbnail\" alt=\"tools-thumbnail placeholder\" \/>\n\n                        \n                        <\/div>\n\n                        \n                            <h3 class=\"post-title\">Employment<\/h3>\n\n                        \n                        <span class=\"meta\">\n\n                        <span class=\"blurb\" data-tab-id=\"\" data-mobile-state=\"false\">\n\n                            \n                                <p><span data-contrast=\"auto\">If the deceased was still employed at the time they died, their employer may have\u00a0support in place, such as \u2018death in service\u2019 cover.<\/span><\/p>\n<p><span data-contrast=\"auto\">The next of kin or executors can contact the employer to\u00a0notify them\u00a0and find out about\u00a0any\u00a0support that may be available.<\/span><\/p>\n\n                            \n                            \n                        <\/span>\n\n                                                    <span class=\"learn-more-button\">Learn more<span class=\"arrow-close\"><\/span>\n                        \n                    <\/div>\n\n                <\/article>\n\n            <\/div>\n\n            \n                        \n            <div data-href=\"signpost-\" class=\"tools col-span-3\" id=\"tools-id-5\">\n\n                <article id=\"signpost-5\" class=\"tools-post black\">\n\n                    <div class=\"post-wrapper\">\n\n                        <div class=\"post-thumbnail\">\n\n                        \n                            \n                            <img decoding=\"async\" src=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2026\/03\/bereavement-hub-icons_Debt.png\" class=\"tools-thumbnail\" alt=\"tools-thumbnail placeholder\" \/>\n\n                        \n                        <\/div>\n\n                        \n                            <h3 class=\"post-title\">Debt<\/h3>\n\n                        \n                        <span class=\"meta\">\n\n                        <span class=\"blurb\" data-tab-id=\"\" data-mobile-state=\"false\">\n\n                            \n                                <p><span data-contrast=\"auto\">When someone dies, outstanding debts are usually paid off using their estate. These debts include\u00a0things like\u00a0rent, credit card\u00a0balances\u00a0and car loans.\u00a0It\u2019s\u00a0important to find out about any debts early on since the estate must settle them in this order:<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"7\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Secured debts such as mortgage repayments<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"7\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Priority debts like income tax and council tax<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"7\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Unsecured debts such as credit cards and utility bills<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"auto\">It\u2019s\u00a0important the inform creditors of the death, and your involvement as\u00a0a\u00a0representative of the estate, to avoid any debts growing due to non-payment. The creditors will let you know if they have any further requirements. You can ask them if there is any support available to you.<\/span><\/p>\n\n                            \n                            \n                        <\/span>\n\n                                                    <span class=\"learn-more-button\">Learn more<span class=\"arrow-close\"><\/span>\n                        \n                    <\/div>\n\n                <\/article>\n\n            <\/div>\n\n            \n                        \n            <div data-href=\"signpost-\" class=\"tools col-span-3\" id=\"tools-id-6\">\n\n                <article id=\"signpost-6\" class=\"tools-post black\">\n\n                    <div class=\"post-wrapper\">\n\n                        <div class=\"post-thumbnail\">\n\n                        \n                            \n                            <img decoding=\"async\" src=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2022\/07\/support-call.svg\" class=\"tools-thumbnail\" alt=\"tools-thumbnail placeholder\" \/>\n\n                        \n                        <\/div>\n\n                        \n                            <h3 class=\"post-title\">Mortgage and rent<\/h3>\n\n                        \n                        <span class=\"meta\">\n\n                        <span class=\"blurb\" data-tab-id=\"\" data-mobile-state=\"false\">\n\n                            \n                                <p><span data-contrast=\"auto\">If the deceased owned a property with a mortgage, it\u00a0doesn\u2019t\u00a0automatically transfer to the surviving spouse or partner. The lender will need to assess if the\u202fspouse or partner\u202fcan afford the mortgage payments.<\/span><\/p>\n<p><span data-contrast=\"auto\">You\u2019ll\u00a0need to:<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"8\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Identify the lender and contact them as soon as possible<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"8\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Check if\u00a0there\u2019s\u00a0a life insurance policy connected to the mortgage<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"8\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Remember to inform the lender while the claim is being processed<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"8\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Check if the person was privately renting and notify the landlord \u2013 they may be able to transfer the lease to the spouse\u2019s name<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"8\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Transfer utility bills such as gas, electricity, water, and council tax<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span class=\"TextRun Highlight SCXW15245578 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW15245578 BCX0\">You can visit\u202f<\/span><\/span><a href=\"https:\/\/www.citizensadvice.org.uk\/\" target=\"_blank\" rel=\"noopener\"><span class=\"TextRun Highlight Underlined SCXW15245578 BCX0\" lang=\"EN-GB\" title=\"Sorry, Word can't open this link in a browser. To go to this link, please open this document in the desktop version of Microsoft Word.\" xml:lang=\"EN-GB\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW15245578 BCX0\" data-ccp-charstyle=\"Hyperlink\">Citizens Advice<\/span><\/span><\/a><span class=\"TextRun Highlight SCXW15245578 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW15245578 BCX0\">\u202ffor more information about this.<\/span><\/span><span class=\"EOP SCXW15245578 BCX0\" data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n\n                            \n                            \n                        <\/span>\n\n                                                    <span class=\"learn-more-button\">Learn more<span class=\"arrow-close\"><\/span>\n                        \n                    <\/div>\n\n                <\/article>\n\n            <\/div>\n\n            \n                        \n            <div data-href=\"signpost-\" class=\"tools col-span-3\" id=\"tools-id-7\">\n\n                <article id=\"signpost-7\" class=\"tools-post black\">\n\n                    <div class=\"post-wrapper\">\n\n                        <div class=\"post-thumbnail\">\n\n                        \n                            \n                            <img decoding=\"async\" src=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2022\/10\/Model-Portfolio-Manager.svg\" class=\"tools-thumbnail\" alt=\"tools-thumbnail placeholder\" \/>\n\n                        \n                        <\/div>\n\n                        \n                            <h3 class=\"post-title\">Tax and government benefits<\/h3>\n\n                        \n                        <span class=\"meta\">\n\n                        <span class=\"blurb\" data-tab-id=\"\" data-mobile-state=\"false\">\n\n                            \n                                <p><strong>Tax<\/strong><\/p>\n<p><span data-contrast=\"auto\">HMRC will usually contact the executor within a month of death registration with instructions and may require a tax return for the person who has died. You can find further information\u202f<\/span><a href=\"http:\/\/www.gov.uk\/self-assessment-tax-returns\/returns-for-someone-who-has-died\"><span data-contrast=\"none\">on the government website.<\/span><\/a><span data-contrast=\"auto\">\u202fThere may also be tax allowances to claim or transfer to a surviving partner. Depending on the size of the estate, Inheritance Tax (IHT) may also be due.\u00a0We can make IHT payments\u00a0from the deceased\u2019s wrapper if needed. To do this, we need a completed IHT423 form\u00a0signed by the executors named in the will, a certified copy of the will (certified on each page) and certified ID for the executors named in the will.<\/span><\/p>\n<p><a href=\"https:\/\/www.gov.uk\/inheritance-tax\"><span data-contrast=\"none\">Find out more information on IHT here &gt;<\/span><\/a><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><strong>Government benefits<\/strong><\/p>\n<p><span data-contrast=\"auto\">If they were below State Pension age, their partner may be eligible for financial support from the government. The Bereavement Support Payment offers a lump sum followed by up to 18 monthly payments.<\/span><\/p>\n<p><a href=\"https:\/\/www.gov.uk\/bereavement-support-payment\"><span data-contrast=\"none\">More information via the Government website &gt;<\/span><\/a><\/p>\n\n                            \n                            \n                        <\/span>\n\n                                                    <span class=\"learn-more-button\">Learn more<span class=\"arrow-close\"><\/span>\n                        \n                    <\/div>\n\n                <\/article>\n\n            <\/div>\n\n            \n        <\/div>\n\n    <\/div>\n\n    \n        \n    <\/div>\n\n<\/section>\n\n\n<section id=Support-resources class=\"logo-slider logo-slider-half-column-distribution logo-slider-media-first__false  white \" id=\"Support-resources\"  >\n\n  <div class=\"body-push row\">\n\n    <div class=\"grid\">\n\n      <div class=\"col-1\">\n\n        \n          <h2>Support resources<\/h2>\n\n        \n        \n          <div class=\"content\">\n\n            <p>There\u2019s a wide range of support services and charities available to help you navigate bereavement. We\u2019ve pulled together a list of some helpful websites you may want to explore.<\/p>\n\n          <\/div>\n\n        \n      <\/div>\n\n      <div class=\"col-2\">\n          \n          \n                    \n      <\/div>\n\n    <\/div>\n      \n    \n      <div class=\"grid grid-cols-4\"> \n      \n        \n          \n            \n\n  \n    \n          \n      <div class=\"logo\">\n\n        \n        \n        \n          <p class=\"wrapper\">\n              <a class=\"button black\" href=\"https:\/\/www.gov.uk\/after-a-death\/bereavement-help-and-support\" target=_blank>\n                GOV.UK support              <\/a>\n          <\/p>\n\n\n        \n      <\/div>\n\n    \n  \n    \n          \n      <div class=\"logo\">\n\n        \n        \n        \n          <p class=\"wrapper\">\n              <a class=\"button black\" href=\"https:\/\/www.cruse.org.uk\/\" target=_blank>\n                Cruse Bereavement support              <\/a>\n          <\/p>\n\n\n        \n      <\/div>\n\n    \n  \n    \n          \n      <div class=\"logo\">\n\n        \n        \n        \n          <p class=\"wrapper\">\n              <a class=\"button black\" href=\"https:\/\/supportaftersuicide.org.uk\/\" target=_blank>\n                Support after suicide              <\/a>\n          <\/p>\n\n\n        \n      <\/div>\n\n    \n  \n    \n          \n      <div class=\"logo\">\n\n        \n        \n        \n          <p class=\"wrapper\">\n              <a class=\"button black\" href=\"https:\/\/www.childbereavementuk.org\/\" target=_blank>\n                Child Bereavement UK              <\/a>\n          <\/p>\n\n\n        \n      <\/div>\n\n    \n  \n    \n          \n      <div class=\"logo\">\n\n        \n        \n        \n          <p class=\"wrapper\">\n              <a class=\"button black\" href=\"https:\/\/www.gov.uk\/after-a-death\" target=_blank>\n                Tell us once              <\/a>\n          <\/p>\n\n\n        \n      <\/div>\n\n    \n  \n    \n          \n      <div class=\"logo\">\n\n        \n        \n        \n          <p class=\"wrapper\">\n              <a class=\"button black\" href=\"https:\/\/www.citizensadvice.org.uk\/\" target=_blank>\n                Citizens Advice              <\/a>\n          <\/p>\n\n\n        \n      <\/div>\n\n    \n  \n    \n          \n      <div class=\"logo\">\n\n        \n        \n        \n          <p class=\"wrapper\">\n              <a class=\"button black\" href=\"https:\/\/www.moneyhelper.org.uk\/en\/pensions-and-retirement\/pension-wise\" target=_blank>\n                Money Helper: Pension Wise              <\/a>\n          <\/p>\n\n\n        \n      <\/div>\n\n    \n  \n    \n          \n      <div class=\"logo\">\n\n        \n        \n        \n          <p class=\"wrapper\">\n              <a class=\"button black\" href=\"https:\/\/www.ageuk.org.uk\/information-advice\/health-wellbeing\/relationships-family\/end-of-life-issues\/bereavement-information-guide\/\" target=_blank>\n                Age UK Bereavement guide              <\/a>\n          <\/p>\n\n\n        \n      <\/div>\n\n    \n  \n    \n          \n      <div class=\"logo\">\n\n        \n        \n        \n          <p class=\"wrapper\">\n              <a class=\"button black\" href=\"https:\/\/www.nafd.org.uk\/\" target=_blank>\n                National Funeral Directors              <\/a>\n          <\/p>\n\n\n        \n      <\/div>\n\n    \n  \n    \n          \n      <div class=\"logo\">\n\n        \n        \n        \n          <p class=\"wrapper\">\n              <a class=\"button black\" href=\"https:\/\/www.bacp.co.uk\/about-therapy\/what-therapy-can-help-with\/bereavement\/\" target=_blank>\n                BACP Therapy guide              <\/a>\n          <\/p>\n\n\n        \n      <\/div>\n\n    \n  \n    \n          \n      <div class=\"logo\">\n\n        \n        \n        \n          <p class=\"wrapper\">\n              <a class=\"button black\" href=\"https:\/\/www.thegoodgrieftrust.org\/\" target=_blank>\n                Good Grief Trust              <\/a>\n          <\/p>\n\n\n        \n      <\/div>\n\n    \n  \n    \n          \n      <div class=\"logo\">\n\n        \n        \n        \n          <p class=\"wrapper\">\n              <a class=\"button black\" href=\"https:\/\/www.widowedandyoung.org.uk\/\" target=_blank>\n                Widowed and Young              <\/a>\n          <\/p>\n\n\n        \n      <\/div>\n\n    \n  \n\n          \n        \n      <\/div>\n\n    \n    \n  <\/div>\n\n<\/section>\n\n\n<section id=\"signposts-block_b41878d9268dcca5231a17e6e4019020\" class=\" signposts bg-pattern-1 \" id=\"signposts-block_b41878d9268dcca5231a17e6e4019020\"  >\n\n    <div class=\"body-push row\">\n\n        <div class=\"grid reverse-layout layout-75-35\">\n\n            <div class=\"col-1\">\n                \n                                     \n                    <h2 class=\"section-title\">Samaritans<\/h2>\n\n                \n                \n                    <div class=\"content\" data-animate-on-scroll='fade-up'>\n\n                        <p>If you need someone to talk to about what you&#8217;re going through, the Samaritans can help. Their helpline is free to call, day or night.<\/p>\n\n                    <\/div>\n\n                \n                        \n                    \n                        <div class=\"button-wrapper\">\n\n\n                            <a href=\"https:\/\/www.samaritans.org\/\" target=\"_blank\" class=\"button white\">Visit Samaritans website<\/a>\n                    \n                        <\/div>\n\n                    \n                \n            <\/div>\n\n            \n                <div class=\"col-2\">\n\n                    <div class=\"image\" data-animate-on-scroll='fade-in'>\n\n                        <img loading=\"lazy\" decoding=\"async\" width=\"591\" height=\"421\" src=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2025\/11\/Samaritans-Contacts-lock-up2-2.png\" class=\"attachment-small size-small\" alt=\"signpost row\" srcset=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2025\/11\/Samaritans-Contacts-lock-up2-2.png 591w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2025\/11\/Samaritans-Contacts-lock-up2-2-300x214.png 300w\" sizes=\"auto, (max-width: 591px) 100vw, 591px\" \/>\n                    <\/div>\n            \n                <\/div>\n                \n            \n        <\/div>\n\n            \n\n\n        \n\n        \n    <\/div>\n\n<\/section>\n\n\n<section id=\"signposts-block_999629fb7c693daee05823700b32a114\" class=\" signposts light-gray \" id=\"signposts-block_999629fb7c693daee05823700b32a114\"  >\n\n    <div class=\"body-push row\">\n\n        <div class=\"grid  layout-50-50\">\n\n            <div class=\"col-1\">\n                \n                                     \n                    <h2 class=\"section-title\">Need further assistance?<\/h2>\n\n                \n                \n                    <div class=\"content\" data-animate-on-scroll='fade-up'>\n\n                        <article class=\"single-signpost transparent fade-up-animation-element fade-up\" data-animate-on-scroll=\"fade-up\">\n<div class=\"signpost-meta\">\n<p>If you\u2019ve recently experienced a bereavement, we may not be the first thing on your mind. But if you do have any immediate questions your adviser can\u2019t help with, or you want to chat to one of our friendly support team, we are here to help when you feel ready.<\/p>\n<\/div>\n<\/article>\n\n                    <\/div>\n\n                \n                \n            <\/div>\n\n            \n        <\/div>\n\n        \n            <div class=\"grid signpost-row grid-cols-2 transparent\">\n\n                \n                    \n\n    <article class=\"single-signpost transparent \" data-animate-on-scroll=\"fade-up\">\n\n        \n            <div class=\"image-wrapper\">\n\n            <img decoding=\"async\" src=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2022\/12\/wealthtime_logo_pos.svg\" alt=\"signpost icon\" width=\"295px\" height=\"295px\" \/>\n\n            <\/div>\n        \n        \n        \n        <div class=\"signpost-meta\">\n\n            \n                <h3 class=\"subtitle\">\n                    \n                    Wealthtime                \n                <\/h3>\n\n            \n            \n                <span class=\"description\">\n                    \n                    <hr \/>\n<p>Call\u00a0<strong>0345 680 8000<\/strong><\/p>\n<p>Email\u00a0<a href=\"mailto:clientservices@wealthtime.com\"><strong>clientservices@wealthtime.com<\/strong><\/a><\/p>\n                \n                <\/span>\n\n            \n            \n        <\/div>\n\n    <\/article>\n\n\n                \n            <\/div>\n\n            \n\n\n                \n            \n        \n\n        \n    <\/div>\n\n<\/section>","protected":false},"excerpt":{"rendered":"","protected":false},"author":26,"featured_media":0,"parent":1842,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-5257","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Bereavement support - Investors<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.wealthtime.com\/investors\/support-hub\/bereavement-support\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Bereavement support - Investors\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.wealthtime.com\/investors\/support-hub\/bereavement-support\/\" \/>\n<meta property=\"og:site_name\" content=\"Investors\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-25T09:21:32+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.wealthtime.com\\\/investors\\\/support-hub\\\/bereavement-support\\\/\",\"url\":\"https:\\\/\\\/www.wealthtime.com\\\/investors\\\/support-hub\\\/bereavement-support\\\/\",\"name\":\"Bereavement support - Investors\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.wealthtime.com\\\/investors\\\/#website\"},\"datePublished\":\"2026-03-09T15:25:14+00:00\",\"dateModified\":\"2026-03-25T09:21:32+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.wealthtime.com\\\/investors\\\/support-hub\\\/bereavement-support\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.wealthtime.com\\\/investors\\\/support-hub\\\/bereavement-support\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.wealthtime.com\\\/investors\\\/support-hub\\\/bereavement-support\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.wealthtime.com\\\/investors\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Wealthtime Platform\",\"item\":\"https:\\\/\\\/www.wealthtime.com\\\/investors\\\/support-hub\\\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Bereavement support\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.wealthtime.com\\\/investors\\\/#website\",\"url\":\"https:\\\/\\\/www.wealthtime.com\\\/investors\\\/\",\"name\":\"Investors\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.wealthtime.com\\\/investors\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Bereavement support - Investors","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.wealthtime.com\/investors\/support-hub\/bereavement-support\/","og_locale":"en_US","og_type":"article","og_title":"Bereavement support - Investors","og_url":"https:\/\/www.wealthtime.com\/investors\/support-hub\/bereavement-support\/","og_site_name":"Investors","article_modified_time":"2026-03-25T09:21:32+00:00","twitter_card":"summary_large_image","schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.wealthtime.com\/investors\/support-hub\/bereavement-support\/","url":"https:\/\/www.wealthtime.com\/investors\/support-hub\/bereavement-support\/","name":"Bereavement support - Investors","isPartOf":{"@id":"https:\/\/www.wealthtime.com\/investors\/#website"},"datePublished":"2026-03-09T15:25:14+00:00","dateModified":"2026-03-25T09:21:32+00:00","breadcrumb":{"@id":"https:\/\/www.wealthtime.com\/investors\/support-hub\/bereavement-support\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.wealthtime.com\/investors\/support-hub\/bereavement-support\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.wealthtime.com\/investors\/support-hub\/bereavement-support\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.wealthtime.com\/investors\/"},{"@type":"ListItem","position":2,"name":"Wealthtime Platform","item":"https:\/\/www.wealthtime.com\/investors\/support-hub\/"},{"@type":"ListItem","position":3,"name":"Bereavement support"}]},{"@type":"WebSite","@id":"https:\/\/www.wealthtime.com\/investors\/#website","url":"https:\/\/www.wealthtime.com\/investors\/","name":"Investors","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.wealthtime.com\/investors\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"}]}},"_links":{"self":[{"href":"https:\/\/www.wealthtime.com\/investors\/wp-json\/wp\/v2\/pages\/5257","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.wealthtime.com\/investors\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.wealthtime.com\/investors\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.wealthtime.com\/investors\/wp-json\/wp\/v2\/users\/26"}],"replies":[{"embeddable":true,"href":"https:\/\/www.wealthtime.com\/investors\/wp-json\/wp\/v2\/comments?post=5257"}],"version-history":[{"count":50,"href":"https:\/\/www.wealthtime.com\/investors\/wp-json\/wp\/v2\/pages\/5257\/revisions"}],"predecessor-version":[{"id":5591,"href":"https:\/\/www.wealthtime.com\/investors\/wp-json\/wp\/v2\/pages\/5257\/revisions\/5591"}],"up":[{"embeddable":true,"href":"https:\/\/www.wealthtime.com\/investors\/wp-json\/wp\/v2\/pages\/1842"}],"wp:attachment":[{"href":"https:\/\/www.wealthtime.com\/investors\/wp-json\/wp\/v2\/media?parent=5257"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}