Your AP will be cancelled, and contributions returned if:
- you’ve been paying the instalments for 12 months or more
- it’s 12 months or more 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 that 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 that 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.