The Harsant SSAS allows you to plan for your own retirement; while being reassured that your dependants will be cared for when you die.

If a member of the scheme dies before using their benefits from the SSAS, the fund can be left to their dependants as a tax free lump sum up to the current Lifetime Allowance or alternatively the funds can pay a dependant's pension.

If a member has already started drawing monies from the SSAS, the options are slightly different and if their beneficiaries wished to receive a cash lump sum this would be subject to tax. However, the entire fund can still be used to provide a dependant's pension.

Once over age 75, the member's complete fund could still be used to provide a dependant's pension. Tax free lump sums can only be paid to their favourite charity.