Plan ahead by expressing your wishes

An Expression of Wish is a vital document that lets you specify who should receive any lump sum benefits from your pension plan if you pass away.

Why is updating your Expression of Wish important?

Your pension is more than just a financial plan for your retirement—it's a lasting gift that can provide financial security for your loved ones after you've gone. It’s one of the most significant ways you can continue to care for those who matter most to you, even when you’re no longer there.

By completing an Expression of Wishes form, you have the power to clearly communicate to the Trustee who you want to receive any lump-sum benefits from the Plan when you pass away. These benefits are paid at the Trustee’s discretion so that they aren't subject to inheritance tax. This means that the Trustee doesn’t legally have to follow your wishes, but they will normally be taken into account.

Completing an Expression of Wish:

• Tells the Trustee where you want your pension benefits to go
• Aligns your benefits with your personal circumstances and wishes
• Gets your benefits to your loved ones quicker
• Makes sure your dependents or chosen beneficiaries are financially supported
• Can optimise tax implications for your beneficiaries

How to get started

If you're yet to log in to the Portal simply access the Gallagher Member Portal webpage and click ‘First time user?’

Follow the onscreen instructions to register.

Please note: the following process is for members in the Defined Benefit Section of the Plan. Members in the Defined Contribution Section can contact the Administration team to update their Expression of Wishes.

Watch our “How to Register to the Gallagher Member Portal” to help you through the process.

If you've previously visited the site and registered, you will already have a Login ID and Password to access your details. If you can’t remember your login details, you can request a reminder by contacting the Administration team.

Logged onto the Portal? Great!

You can now update manage and update your wishes online. Watch our “How to Complete Your Expression of Wish” video to help you through the process.

Don't leave these important decisions to chance — take control of your future today.