If you don't have an eligible spouse when you start your pension, you're automatically entitled to the 10-year pension guarantee at no cost. If you die before you've received 10 years’ worth of pension payments, we'll pay the balance of the 10 years to your estate in one lump sum.
Any funds paid to your estate will be administered by your estate trustee(s) according to the guidelines you specified in your will. If you die before you can prepare a will, only a court-appointed estate executor can assume responsibility of your estate.
It's never too early to prepare a will. Creating a will is a good way to ensure any funds payable to your estate are administered according to your wishes. You can designate an estate trustee (or executor) as the person responsible for managing and controlling your estate's assets.