Your AP will be cancelled and contributions returned if:
- you’ve been paying the instalments for 12 months or less
- it’s 12 months or less since you made your lump sum payment
If you die after the first 12 months, all future contributions due after the date of death will normally be waived. You’ll be credited with the full amount of AP you were buying.
This only applies if you’ve taken AP with dependant’s cover.
Your spouse, civil partner, or nominated partner will receive an initial pension which will include any AP you were receiving for a period of 3 or 6 months.
After the initial pension has ended, AP is only included in any adult dependant’s pension or children’s pension if AP cover for dependants was purchased.