If you die as an unmarried member before you reach age 67 and have not retired, a benefit to un-married members is paid. The benefit correspond to 4 times the annual spouse’s pension benefits which a possible spouse would have been entitled to.

 

The payment is dependent on that you do not leave a spouse or an ex-spouse entitled to spouse’s pension benefits or a registered partner/cohabitant entitled to pension benefits.

 

The benefit to un-married members is paid to your next of kin unless you have chosen payment being made to your estate. On payment to the estate, the benefit is not protected from creditors. You can read more here

 

If you want to change beneficiary, you can do it here